# Estonian accounting providers compared

Oscar beside Xolo Leap, Enty, Companio, Unicount, 1Office, Comistar and E-Residency Hub: what the same company pays in a year at each, what the price includes, and whether a registered address and a contact person are in it. Every figure of another provider is dated and links to its own page.

Compared on 12 Nov 2026. General information, not advice for your situation.

## At a glance

The yearly cost of the company of the worked example below at each provider, without VAT: the lowest published yearly total, billed yearly where the provider offers it and monthly otherwise. The Oscar figures are those of the pricing section of our website. Every figure of another provider carries the number of its source.

| Provider and plan | Yearly cost of the worked example | Annual report | Payroll | VAT return | Minimum term | Registered address | Contact person |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Oscar, The one plan, €49 a month | €490 billed yearly, paid in advance (€588 billed monthly) | Included | Included, up to 3 employees | Included | None, cancel any time (The plan ends with the month or year you paid for) | Not offered | Not offered (Not needed with a registered address in Estonia) |
| Xolo Leap, Pro, €139 a month [1] | €1,668 billed monthly [1] [8] (€1,390 in the first year with the Pro promotion seen on 12.11.2026 (two months free, at least 6 months); Xolo can end it at any time) | Included [1] | Included, 1 employee who is an Estonian tax resident [1] | Included [1] | Not stated [1] (Not on the pages we checked on 12.11.2026; 6 months with the Pro promotion) | Included, as a virtual office [1] | Extra: €29 and a €25 state fee, once [20] |
| Enty, Monthly reporting for 50 documents, €239 a month [2] | From €3,036 billed yearly, paid in advance [2] [9] (From €3,468 billed monthly) | Included for a full year [2] [14] (Extra charges for a company that joins after February) | Included, 1 employee or 1 board member [2] (€30 for each extra payroll or salary tax return) | Included [2] | None, cancel before the next period [9] (Each period is billed at its start) | Included [2] [18] | Included [18] |
| Companio, Pro, from €89 a month [3] | From €1,318 billed monthly [3] [10] (Without the payroll of the employee: Companio publishes no price for an employee who is not a board member) | Extra: €250 [3] [10] (When paid by 31 March after a full year on a monthly plan; else €500 or €1,000) | No published price for an employee who is not a board member [3] [10] (A board member salary costs €89 more; the period is not stated) | Included [10] | 3 months after a switch [3] [10] (Leaving early costs 3 monthly fees; after that, cancel before the 25th for the end of the month) | Included [3] | Included [3] |
| E-Residency Hub, Standard, €99 a month [4] | From €1,188 billed monthly [4] [11] (€1,488 if sales invoices count toward the limit of 40 invoices a month; the pages do not say) | Included [4] | Included, up to 3 Estonian employees [4] | Included in Estonian accounting and taxes [4] | Not stated [4] (Not on the pages we checked on 12.11.2026) | Included [4] | Included, as a contact point in Estonia [4] |
| Unicount, Micro, €99 a month [5] | From €2,385 billed monthly [5] [12] (From €2,584 with the registered address) | Extra: one monthly fee [5] | The salary tax return is in the €30 return fee a month; no fee per employee is listed [5] | In the €30 return fee a month [5] (The fee list does not say whether €30 covers both returns or each one) | 30 days of notice [15] (By email; the first monthly fee is not refunded after setup) | Extra: €199 a year [12] | On request, in the address price plus a €25 state fee [21] |
| 1Office, Accounting service, from €135 a month [6] | Price on request [6] [13] (From €1,870 billed monthly: the €135 minimum fee, which covers 5 sales and 5 purchase invoices, and an annual report from €250) | Extra: from €250 [13] | No published price [6] | In the minimum fee, with 5 sales and 5 purchase invoices [6] | 2 months of notice [16] (Ending an accounting package sooner costs a penalty) | Extra: €290 a year (from €195 a year on a 3-year plan) [19] | Included with the address [19] |
| Comistar, M plan, from €89 a month, up to 10 bills [7] | Price on request [7] (From €1,068 billed monthly on the M plan, which allows 10 bills a month; Comistar proposes the plan in a consultation) | Included [7] | Included from the M plan, in Estonia [7] | Included as monthly accounting and tax compliance [7] (The VAT return is not named) | None, cancel any time [7] [17] | Included [7] | Included [7] |

## Where Oscar is the better fit

- Your company already exists and has a registered address in Estonia, or gets one elsewhere. For the company of the worked example, Oscar costs €490 a year billed yearly, paid in advance (€588 billed monthly), the lowest yearly cost in the table.
- You want to pay for the year at once: Oscar costs €490 billed yearly, paid in advance. Billed yearly, Enty costs from €3,036 for the same company. [2]
- You pay salaries: up to 3 employees are in the Oscar price. Xolo Leap Pro includes 1 employee, Enty Monthly reporting 1 employee or 1 board member, and Companio publishes no price for an employee who is not a board member. [1] [2] [10]
- You send many invoices: sales invoices are unlimited at Oscar, and up to 100 purchase invoices a month are in the price.
- You want your books to follow your bank: Oscar reads a connected bank account every day while the company is active, and books the lines as they arrive.
- You want to work on your books from your own tools: Oscar has a remote MCP server for Claude, ChatGPT and Cursor, a public REST API with API keys, and Ask AI in the app.
- You want no minimum term: you can cancel Oscar at any time, and the plan ends with the month or year you paid for.

## Where another provider is the better fit

- You want the registered address in the same price. E-Residency Hub, Companio, Xolo Leap, Enty and Comistar include an address in their plans. Oscar does not offer an address, and its yearly cost includes none. [4] [3] [1] [18] [7]
- You want a contact person service, for example because the registered address of your company is outside Estonia. E-Residency Hub, Companio, Enty and Comistar include one, 1Office includes one with its address, and Xolo adds one for €29 and a €25 state fee. Oscar does not offer a contact person. [4] [3] [18] [7] [19] [20]
- Your company is very small and needs an address. The Comistar S plan costs €45 a month for up to 6 bills and one bank account, and the E-Residency Hub Micro plan €59 a month for up to 10 invoices; both include the address, and neither includes payroll. [7] [4]
- You want a named person for your books. Unicount names an accountant on every managed plan, 1Office gives every client a dedicated accountant, E-Residency Hub a personal accountant, and Enty a personal manager. [5] [6] [4] [2]

## What each price leaves out

- **The registered address.** The Oscar yearly cost has no registered
  address, because Oscar does not offer one. E-Residency Hub, Companio,
  Xolo Leap, Enty and Comistar include an address in their plans. Unicount
  sells it for €199 a year, and 1Office for €290 a year (from €195 a
  year on a 3-year plan). To compare totals with an address, add the price
  of an address service to the Oscar figure.
- **Payroll.** Oscar includes up to 3 employees, and so does E-Residency
  Hub Standard. Comistar includes payroll in Estonia from its M plan, with
  no number of employees stated. Xolo Leap Pro includes 1 employee,
  and Enty 1 employee or 1 board member. Companio and 1Office publish no
  price for the payroll of an employee who is not a board member.
- **The annual report.** It is in the price at Oscar, E-Residency Hub, Xolo
  Leap, Enty (for a full year) and Comistar. Companio, Unicount and 1Office
  charge for it on top of the monthly fee.
- **Volume.** Every plan has a limit. Oscar: unlimited sales invoices and up
  to 100 purchase invoices a month. E-Residency Hub Standard: 40 invoices or
  payments to freelancers a month. Xolo Leap Pro: [500 sales and 50 purchase
  transactions a month](https://www.xolo.io/zz-en/faq/xolo-leap/category/invoicing/article/what-are-the-limits-for-invoices-per-month). Enty: the documents of its plan, then €5 each.
  Unicount Micro: 20 source documents, then €1.50 each. Companio Pro:
  1,000 transactions a month. 1Office: 5 sales and 5 purchase invoices in its
  minimum fee. Comistar M: 10 bills a month.
- **State fees.** Adding a contact person to the Business Register costs a
  €25 state fee at Xolo and at Unicount, on top of their own price.
- **VAT.** Every price on this page is without VAT. Estonian VAT at 24% is
  added; a company with a VAT number can usually deduct it.

## The registered address and the contact person

Estonian law requires a contact person only when the company's registered
address is outside Estonia
([Commercial Register Act § 24 (2)](https://www.riigiteataja.ee/en/akt/518032025010)).
If your company has a registered address in Estonia, it does not need a
contact person, also when all board members live abroad. Before 01.02.2023
the rule depended on where the management board was, so older guides still
say that a company with a board abroad needs one.

Oscar offers neither a registered address nor a contact person. Most other
providers in the table include an address in their price; the Oscar yearly
cost does not include one.

## How we counted the yearly cost

- **One company for every provider:** the company of the worked example
  below.
- **The plan:** the cheapest plan that fits, from the price list each
  provider publishes, and the yearly total: billed yearly, paid in advance,
  where the provider publishes a yearly price, else billed monthly for 12
  months, with the annual report and the extra fees the price list names.
  The note gives the monthly-billed total where both exist.
- **"From":** where a fee is not published or where the pages leave a count
  open. We took the lowest reading, so the figure never overstates the
  price of the provider.
- **"Price on request":** where no published plan covers the company: at
  1Office and at Comistar. We show no estimate; the note gives the lowest
  published price, with "from".
- **Left out:** setting up a new company and its fees. The registered
  address is in the yearly cost only where the plan includes it.
- **The order of the columns:** Oscar first, then the other providers in a
  fixed order; the order does not rank them.

## How did we check these figures?

We read the pages of each provider on 12.11.2026, only their own pages,
and read every figure a second time on the same day. The sources are listed
with their dates at the end of the page. Prices change: check the pages of
each provider before you decide. If a figure here is out of date, tell us
and we will correct the page.

## A worked example

An Estonian company that already exists, with a VAT number, 30 sales
invoices and 30 purchase invoices a month, and 1 employee. Prices without
VAT, billed monthly; the yearly price where a provider publishes one.

### Oscar

- The plan: 12 x €49 = €588. Billed yearly, paid in advance: €490.
- 30 sales invoices (unlimited), 30 purchase invoices (up to 100), payroll
  and the salary tax return for 1 employee (up to 3), the VAT return and the
  annual report are in the plan.
- A registered address is not offered.
- **A year: €490** billed yearly, paid in advance (€588 billed monthly).

### E-Residency Hub, Standard

- Micro (€59) has no payroll, and Lightweight (€79) allows 15
  invoices a month. Standard allows 40 invoices or payments to freelancers a
  month and payroll for up to 3 Estonian employees: 12 x €99 = €1,188.
- The pages do not say whether sales invoices count toward the 40. If they
  do, the company needs one batch of 25 extra invoices at €25 a month:
  12 x €124 = €1,488.
- The address and contact point, the VAT return and the annual report are in
  the plan.
- **A year: from €1,188**.

### Companio, Pro

- Pro allows up to 1,000 transactions a month and includes the filing of the
  VAT return and the salary tax return: 12 x €89 = €1,068.
- The annual report: €250 when paid by 31 March after a full financial
  year on a monthly plan. In the year a company switches to Companio, it
  costs €500 or €1,000: €1,568 or €2,068 in that year.
- The payroll of the employee: Companio publishes no price for an employee
  who is not a board member. A board member salary costs €89 more; the
  page does not say for which period.
- **A year: from €1,318**, without the payroll of the employee.

### Xolo Leap, Pro

- Starter is only for the first 12 months or up to a revenue of €4,000,
  and Standard allows 20 purchase transactions a month and no employee. Pro
  allows 500 sales and 50 purchase transactions a month and 1 employee:
  12 x €139 = €1,668.
- With the Pro promotion seen on 12.11.2026 (two months free, at least 6
  months): 10 x €139 = €1,390 in the first year. Xolo can end the
  promotion at any time.
- The address is in the plan. A contact person costs €29 and a €25
  state fee, once; it is not counted, because the company has an address in
  Estonia.
- **A year: €1,668**.

### Unicount, Micro

- Unicount counts invoices and transfers that are not invoice payments, so
  the company has 61 source documents a month: 60 invoices and the salary
  payment. Micro includes 20; the other 41 cost €1.50 each, €61.50 a
  month.
- The salary tax return and the VAT return: €30 a month. The annual
  accounts: one monthly fee, €99.
- 12 x (€99 + €61.50 + €30) + €99 = €2,385. If the €30 is for each
  return, Micro costs €2,745, and Standard is then the cheaper plan that
  fits: it includes 30 source documents and both returns, so
  12 x (€149 + 31 x €1.50) + €149 = €2,495.
- The address: €199 a year, so €2,584 with it. A contact person on
  request, in the address price plus a €25 state fee.
- **A year: from €2,385**, or from €2,584 with the address.

### Enty, Monthly reporting

- Enty counts invoices and bills together: 60 a month. The plan for 50
  documents and 10 extra documents at €5 each costs less than the plan for
  30 and 30 extra documents.
- Billed monthly: 12 x (€239 + €50) = €3,468. Billed yearly, paid at
  the start of the year: 12 x (€203 + €50) = €3,036.
- The payroll of 1 employee, the VAT return, the annual report of a full
  year, the address and the contact person are in the plan. If Enty counts
  the salary payment as a document, add €60 a year.
- **A year: from €3,036** billed yearly, paid in advance, or from €3,468
  billed monthly.

### 1Office, accounting service

- The minimum fee of €135 a month covers 5 sales invoices, 5 purchase
  invoices and the VAT return. More documents are priced on an agreed price
  list or by the hour (from €100 an hour), and that price list is not
  published. Payroll has no published price.
- The annual report: from €250. The address with a contact person:
  €290 a year (from €195 a year on a 3-year plan).
- **A year: price on request**. The minimum fee and the annual report alone
  come to at least €1,870, and they cover 5 sales and 5 purchase invoices
  a month.

### Comistar, M plan

- The S plan (€45) has no payroll and allows 6 bills a month. The M plan,
  from €89 a month, includes payroll in Estonia and allows 10 bills a
  month. Comistar publishes no price for more bills; it proposes the plan in
  a consultation.
- The address, the contact person and the annual report are in every plan.
- **A year: price on request**. At least €1,068 on the M plan, which
  allows 10 bills a month.

## Conclusion

For an Estonian company that already exists and has its registered address
in Estonia, Oscar has the lowest yearly cost in this comparison: €490
billed yearly, paid in advance, or €588 billed monthly. That price
includes unlimited sales invoices, up to 100 purchase invoices a month,
payroll and the salary tax return for up to 3 employees, the VAT return and
the annual report, with no minimum term. You can also work on your books
through the MCP server, the REST API or Ask AI in the app.

Oscar does not offer a registered address or a contact person. A company
that wants the address in the same price, wants a contact person service,
or is small enough for a plan with a low cap may be better served by
another provider in the table.

## Let Oscar do the work

Oscar keeps your books, and an accountant checks them.

[Get started](https://oscaraccountant.com/signup)

## Sources

1. [Xolo Leap plans and plan comparison, xolo.io/zz-en/pricing](https://www.xolo.io/zz-en/pricing) (checked on 12 Nov 2026)
2. [Enty pricing, the tab "Enty subscription"](https://enty.io/en-ee/pricing) (checked on 12 Nov 2026)
3. [Companio pricing, companio.co/pricing](https://companio.co/pricing/) (checked on 12 Nov 2026)
4. [E-Residency Hub pricing, erhub.ee/pricing](https://erhub.ee/pricing/) (checked on 12 Nov 2026)
5. [Unicount accounting service fees (as of 01.07.2026)](https://unicount.eu/en/accounting-fees/) (checked on 12 Nov 2026)
6. [1Office accounting service](https://1office.co/estonia/product/accounting-service-estonia/) (checked on 12 Nov 2026)
7. [Comistar pricing](https://comistar.ee/pricing/) (checked on 12 Nov 2026)
8. [Xolo FAQ: What are the limits for invoices per month?](https://www.xolo.io/zz-en/faq/xolo-leap/category/invoicing/article/what-are-the-limits-for-invoices-per-month) (checked on 12 Nov 2026)
9. [Enty terms of use (updated 23.09.2026)](https://app.enty.io/static/pdf/Terms_of_Use.pdf) (checked on 12 Nov 2026)
10. [Companio terms of service (last updated 28.09.2026)](https://companio.co/terms-of-service/) (checked on 12 Nov 2026)
11. [E-Residency Hub: extra services (an article of 10.02.2023, linked from the pricing page)](https://erhub.ee/articles/extra-services-offered-by-e-residency-hub/) (checked on 12 Nov 2026)
12. [Unicount pricing and virtual office](https://unicount.eu/en/pricing/) (checked on 12 Nov 2026)
13. [1Office annual report](https://1office.co/estonia/product/annual-report/) (checked on 12 Nov 2026)
14. [Enty accounting](https://enty.io/en-ee/accounting) (checked on 12 Nov 2026)
15. [Unicount terms of service](https://unicount.eu/en/terms-of-service/) (checked on 12 Nov 2026)
16. [1Office terms of service](https://1office.co/terms-of-service/) (checked on 12 Nov 2026)
17. [Comistar accounting services](https://comistar.ee/services/accounting/) (checked on 12 Nov 2026)
18. [Enty legal address and contact person](https://enty.io/en-ee/legal-address-and-contact-person) (checked on 12 Nov 2026)
19. [1Office contact person and legal address in Tallinn](https://1office.co/estonia/product/contact-person-and-legal-address-in-tallinn/) (checked on 12 Nov 2026)
20. [Xolo FAQ: What additional services can be executed by Xolo?](https://www.xolo.io/zz-en/faq/xolo-leap/category/get-started/article/what-additional-services-can-be-executed-by-xolo) (checked on 12 Nov 2026)
21. [Unicount virtual office in Estonia](https://unicount.eu/en/virtual-office-estonia/) (checked on 12 Nov 2026)
22. [Commercial Register Act, § 24 (the English translation in Riigi Teataja)](https://www.riigiteataja.ee/en/akt/518032025010) (checked on 12 Nov 2026)

## Related pages

- [Oscar and Xolo Leap compared](https://oscaraccountant.com/en/vs/xolo): An alternative to Xolo Leap for an Estonian company that already exists: the prices and limits of the equivalent plans, the automation of each, a worked example, where Oscar is the better fit, and where Xolo Leap is.
- [Oscar and Enty compared](https://oscaraccountant.com/en/vs/enty): An alternative to Enty accounting for an Estonian company: the prices and limits of the equivalent plans, billed monthly and yearly, the automation of each, a worked example, where Oscar is the better fit, and where Enty is.
- [Oscar and Companio compared](https://oscaraccountant.com/en/vs/companio): An alternative to Companio for an Estonian company that already exists: the prices, limits and terms of the equivalent plans, the automation of each, a worked example, where Oscar is the better fit, and where Companio is.
- [Oscar and Unicount compared](https://oscaraccountant.com/en/vs/unicount): An alternative to Unicount accounting for an Estonian company: the prices, limits and terms of the equivalent plans, the automation of each, a worked example, where Oscar is the better fit, and where Unicount is.

Reviewed on 12 Nov 2026. Compared on 12 Nov 2026. General information, not advice for your situation.

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