Oscar and Minu Ann compared
An alternative to Minu Ann for an Estonian company: what the Oscar accounting service and the Minu Ann annual report tool each do, what each price buys and leaves out, the automation of each, a worked example, where Oscar is the better fit, and where Minu Ann is.
Compared on 9 Nov 2026. General information, not advice for your situation.
At a glance
Oscar (the yearly plan, or the monthly plan) beside the nearest purchase at Minu Ann (one annual report, with its free TSD files and its invoice tool): there is no equivalent plan. Prices exclude VAT unless a row says otherwise.
| Feature | Oscarthe yearly plan, or the monthly plan | Minu Annone annual report, with its free TSD files and its invoice tool |
|---|---|---|
| What you buy | An accounting service: the software books the bank lines and the receipts, and an accountant in Tallinn checks the books, files the returns and answers your questions | A web tool to make the annual report of a micro OÜ yourself. Its terms say that neither the platform nor Minu Ann provides accounting services[4] |
| Price, VAT included | 607.60 EUR a year on the yearly plan (490 EUR + VAT at 24%), or 60.76 EUR a month on the monthly plan (49 EUR + VAT) | 49 EUR for one annual report, paid once, VAT included (39.52 EUR without VAT). Each further report, for example of a past year, is paid separately, 49 EUR each[1][2][3][4] |
| Bookkeeping during the year | Included | Not comparable: not offered. Its terms say the board member organises the accounting of the company. For the report, the user uploads the bank statement of the year once; its AI proposes what each line is, and the user confirms[3][4] |
| VAT return | Filed every month for a VAT payer | Not offered: on 09.11.2026 the Minu Ann pages we checked offer no VAT return. The annual report takes the VAT figures already declared to the Tax and Customs Board[3][4] |
| Salary tax declaration (TSD) | Filed every month when the company owes it, with payroll for up to 3 employees in the plan | A free tool makes the TSD files: salary, board member fee, dividends with annex 7, rent paid to a person, the car fringe benefit. You upload them to e-MTA and confirm them; Minu Ann does not submit the TSD[5] |
| Annual report | Included: Oscar prepares it and files it in the e-Business Register, also when you join in the middle of the year | The tool makes the XBRL file and a PDF from what you enter. You, or a person you authorise, upload the file to the e-Business Register[4][7] |
| Sales invoices | Unlimited | A separate invoice tool: free for the first 3 months, then 1 EUR a month, billed for 12 calendar months. The page does not say whether VAT is included[6] |
| Purchase invoices | Up to 100 a month, then 0.05 EUR each | Not stored: the terms say purchase invoices, sales invoices and receipts are not and cannot be saved on the platform. The board member keeps them[4] |
| Bank | A connected bank account read every day while the company is active; 4 bank accounts in the plan | Upload of a CSV or XLSX statement from any bank or payment provider, for the year of the report[3] |
| A dormant year | The same plan and price. Oscar has no annual-report-only plan | An annual report for a company with no transactions or no bank account, 49 EUR[3] |
| Who can use it | An Estonian company that is already in the Business Register. The Oscar price list sets no limit on shareholders; investments and real estate are in the plan | A private limited company (OÜ) of micro size: two of three limits not exceeded (assets 450,000 EUR, revenue 900,000 EUR, 10 employees on average). The pricing page excludes a company that gave loans during the year; the terms exclude one that received or gave loans[3][4] |
| Talking to a person | In-app messages, email and the chat on the website. An accountant in Tallinn answers your questions | Email to [email protected][9] |
| Contract | Cancel at any time; it takes effect at the end of the paid month or year | One payment for each report, before you use the tool; no subscription for the report. The invoice tool is billed for 12 months[4][6] |
| Connect an AI assistant (MCP) | A remote MCP server for Claude, ChatGPT, Cursor and Claude Code. You sign in and approve the connection; the assistant reads your books, bank lines, reports and VAT, and records or issues invoices within your permissions. A read-only address too | On 09.11.2026 the Minu Ann pages we checked list no MCP server[1][3][10] |
| Public API | A REST API with an API key for your organization, read or write: invoices, customers and suppliers, file uploads, bank lines and reports. Published SDKs for TypeScript, Python, Rust and PHP, and the oscar command-line tool, on npm, PyPI, crates.io and Packagist | On 09.11.2026 the Minu Ann pages we checked list no public API. The tool reads the company and its opening balances from the e-Business Register[1][4][10] |
| AI assistant in the app | Ask AI reads your books and does or proposes only what you may do by hand. It asks you before it posts, issues or settles anything | Its own AI model classifies the bank lines for you to review and confirm, and the TSD tool proposes the salaries and dividends from the statement. On 09.11.2026 the Minu Ann pages we checked list no AI assistant to chat with[3][5] |
Where Oscar is a better fit
- Your company has a VAT number: Oscar files the VAT return every month, in the plan. On 09.11.2026 the Minu Ann pages we checked offer no VAT return.
- You want someone else to keep the books and file the returns: Oscar books the bank lines and the receipts, and an accountant in Tallinn checks the books, files the VAT return, the TSD and the annual report, and answers your questions.
- You have purchase invoices to record: up to 100 a month are in the Oscar plan, then 0.05 EUR each. The Minu Ann terms say purchase invoices are not saved on its platform.
- 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. On 09.11.2026 the Minu Ann pages we checked list no MCP server, no public API and no AI assistant to chat with.
Where Minu Ann is a better fit
- Your company is dormant or has no bank account. Minu Ann makes the annual report of a company with no transactions or no bank account for 49 EUR, VAT included. Oscar has no annual-report-only plan; its yearly plan costs 490 EUR + VAT.[1][3]
- You keep your own books, or have few transactions, and want only the annual report at a low price. You prepare it in the tool, and you file it in the e-Business Register yourself.[3][4][7]
- You want to make the salary tax declaration (TSD) files yourself, for free. The Minu Ann TSD tool makes them with no account, and you upload them to e-MTA.[5]
- Your company must catch up annual reports that were not filed. Minu Ann makes each missing report for 49 EUR, paid separately.[3][4][8]
- You want to read about the tool in Russian. The Minu Ann website is in Estonian, English and Russian.[1][10]
Minu Ann and Oscar are two different kinds of product. Minu Ann, a brand of IAmAnn OÜ, is a web tool that you use to make the annual report of a micro private limited company (OÜ) yourself: you upload the bank statement of the year, its AI proposes what each line is, you confirm, and the tool makes the file that you upload to the e-Business Register. It also makes salary tax declaration (TSD) files for free, and sales invoices for 1 EUR a month. Its terms say that it provides no accounting services. Oscar is an accounting service for Estonian companies: the software books the bank lines and the receipts, and an accountant in Tallinn checks the books and files the returns.
So there is no equivalent plan. Minu Ann sells one annual report, and Oscar sells a year of accounting and has no annual-report-only plan. The table puts the nearest purchase on each side beside each other: one Minu Ann annual report, and one year of Oscar, which also ends with a filed annual report. Read what each price leaves out before you compare the figures. The price row gives both sides with VAT, because Minu Ann states its price with VAT. The Oscar prices are those of the pricing section of our website. The Minu Ann facts are those of its pages on 09.11.2026. Every Minu Ann figure in the table carries the number of its source. Every source is listed with its date at the end of the page.
What each price leaves out
- Minu Ann, 49 EUR. No bookkeeping during the year, no VAT return, no storage of purchase invoices and receipts, and no check by an accountant. Minu Ann does not file the annual report or the TSD: you upload the report, and you upload and confirm each TSD. Its terms say the client is responsible for the correctness of the data. Sales invoices are a separate tool at 1 EUR a month.
- Oscar, 490 EUR + VAT a year. Oscar has no annual-report-only plan, so a dormant company, or a company that keeps its own books, pays for a service that it may not need. Oscar does not register a company and gives no legal address and no contact person. Oscar's price list has three extra fees: 0.05 EUR for each purchase invoice above 100 a month, 5 EUR a month for each employee above 3, and 5 EUR a month for each bank account above 4.
- VAT. The Minu Ann home page says its 49 EUR includes VAT; without VAT at 24% it is 39.52 EUR. The Oscar prices are 490 EUR a year or 49 EUR a month without VAT, 607.60 EUR or 60.76 EUR with VAT. A company with a VAT number can usually deduct the VAT.
Is Oscar an alternative to Minu Ann?
For a company that wants its books kept and its returns filed, yes: Oscar does the work of the year, and the annual report is part of it. For an owner who keeps the books and wants only a low-cost tool for the annual report, Minu Ann does a different job, and Oscar has no plan that matches it.
Which Minu Ann product matches the Oscar plan?
None matches it. The nearest purchase is one Minu Ann annual report, because a year of Oscar and a Minu Ann report both end with the annual report of that year. The table adds the free TSD files and the invoice tool, so that it shows everything Minu Ann sells beside the Oscar plan.
Less usual companies
- A dormant year. Minu Ann makes the report of a company with no transactions or no bank account for 49 EUR. Oscar charges its usual plan for that year.
- Several shareholders. The Oscar price list sets no limit on them. The current Minu Ann terms set no limit either; for a financial year that starts before 01.01.2024, they require one shareholder who is also the board member.
- Dividends. Oscar books a dividend and declares it in the TSD, with its annex 7, in the plan. Minu Ann records dividends in the annual report, and its free TSD tool makes annex 7 and the INF 1 in one file, which you upload yourself.
- Investments. Oscar books shares in subsidiaries, funds, listed securities and crypto assets, in the plan. The Minu Ann pricing page says investments can be added to the report. Its profile on the e-Residency Marketplace, last updated in March 2026, says it does not serve companies that operate in the cryptocurrency sector.
- Real estate. Oscar books rental income and investment property, at cost or at fair value, in the plan, and keeps real estate for your own use in the fixed asset register with depreciation by Estonian rules. On 09.11.2026 the Minu Ann pages we checked name no real estate.
- Loans. The Minu Ann annual report tool is not for a company that gave loans during the year, as its pricing page says, or that received or gave loans, as its terms say.
A worked example
A company with a VAT number, 30 sales invoices and 30 purchase invoices a month, and 1 employee. Prices with VAT at 24%, for a full year.
No Minu Ann option covers this company as a service. Its tools cover parts of the year, and the owner does the rest or buys it elsewhere.
| Item | Oscar, yearly plan | Oscar, monthly plan | Minu Ann |
|---|---|---|---|
| Fee | 607.60 EUR | 60.76 EUR x 12 | - |
| Bookkeeping | in the plan | in the plan | not offered |
| 360 sales invoices | in the plan | in the plan | about 12 EUR (a) |
| 360 purchase invoices | in the plan | in the plan | not stored |
| 12 VAT returns | in the plan | in the plan | not offered |
| Payroll and 12 TSD | in the plan | in the plan | free files, you file |
| Annual report | in the plan | in the plan | 49 EUR, you file |
| A year | 607.60 EUR | 729.12 EUR | about 61 EUR (b) |
(a) The invoice tool: 1 EUR a month for 12 months, free for the first 3 months. The page does not say whether VAT is included.
(b) The cost of the Minu Ann tools only. The owner still keeps the books, records the 360 purchase invoices, makes and files 12 VAT returns, uploads and confirms 12 TSD files, and uploads the annual report, or pays someone else to do it.
The two totals buy different things, so this page gives no saving and no "cheaper" figure. On the yearly plan, Oscar costs 490 EUR + VAT a year, and everything in the table is in that price.
How did we check these figures?
We read the Minu Ann home page, its prices, its terms, its questions, its TSD and invoice pages and its articles on 09.11.2026, in Estonian and in English, and searched them for an API, an MCP server, an AI assistant, a VAT return and real estate. We kept the facts the pages state. Where two pages disagree, we left the point out or quoted both. 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.
Conclusion
Oscar does the work of the year that Minu Ann leaves to the owner: the bookkeeping, the monthly VAT return, payroll and the salary tax declaration (TSD) for up to 3 employees, and the annual report, all in 490 EUR + VAT a year or 49 EUR + VAT a month, with unlimited sales invoices and up to 100 purchase invoices a month. An accountant in Tallinn checks the books. Oscar reads a connected bank account every day while the company is active. You can work on your books from your own tools: through the MCP server in Claude, ChatGPT or Cursor, through the REST API, or with Ask AI in the app. On 09.11.2026 the Minu Ann pages we checked list none of these; its AI classifies bank lines for you to confirm.
In the worked example, the company gets its whole year done at Oscar for 607.60 EUR with VAT on the yearly plan. The Minu Ann tools cost about 61 EUR for the same year, and the owner does the rest.
Minu Ann is the better choice for a dormant company, for an owner who keeps the books and wants only the annual report at a low price, for free TSD files, for missing past reports at 49 EUR each, or for a website in Russian.
Sources
- Minu Ann home page (in Estonian), minuann.ee: one annual report, VAT included (checked on 9 Nov 2026)
- Minu Ann home page in English, myann.eu/en (checked on 9 Nov 2026)
- Minu Ann prices and questions (in Estonian), minuann.ee/pricing (checked on 9 Nov 2026)
- Minu Ann terms of use of the service (in Estonian), minuann.ee/terms (checked on 9 Nov 2026)
- Minu Ann TSD tool (in Estonian), minuann.ee/tsd (checked on 9 Nov 2026)
- Minu Ann sales invoices (in Estonian), minuann.ee/arvete-koostamine (checked on 9 Nov 2026)
- Minu Ann article on filing the annual report without an accountant (in Estonian), minuann.ee (checked on 9 Nov 2026)
- Minu Ann page on an annual report that was not filed (in Estonian), minuann.ee/esitamata-aruanne (checked on 9 Nov 2026)
- Minu Ann contact page (in Estonian), minuann.ee/contact (checked on 9 Nov 2026)
- Minu Ann sitemap, minuann.ee/sitemap.xml: its pages in Estonian, English and Russian (checked on 9 Nov 2026)
- The "My Annual Report" profile on the e-Residency Marketplace (profile last updated March 2026) (checked on 9 Nov 2026)
Related pages
- 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.
- Oscar or an accounting firm
What three Estonian accounting providers that publish their prices charge, beside the Oscar plan: one accounting office and two online accounting services. What each price includes, the automation, a worked example at each, where Oscar is the better fit, and where a firm is. A sample of three price lists, not the whole market.
- Oscar and Enty compared
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.
Reviewed on 9 Nov 2026. Compared on 9 Nov 2026. General information, not advice for your situation.