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Xolo

Xolo review

Invoice without a company, or run a fully managed Estonian e-Residency business from anywhere

Xolo costs from €59/mo · 7 plans · Free plan available · prices checked Oct 12, 2026

By Ciroapp Editorial Team · Updated Sep 7, 2026
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At a glance

Quick overview for Xolo: rating, pricing summary, key features, and highlights.
Pricing verified Oct 12, 2026

Ciroapp score

3.9/ 5

Xolo bundles legal invoicing, EU company setup, and done-for-you accounting for one-person businesses. The free Go tier is a real highlight; Leap plans from €59/month add registration, taxes, and reporting. Watch the transaction caps on cheaper tiers, Estonia-only tax coverage, and lock-in promo terms. Overall, it's a solid choice for solopreneurs who want EU admin handled remotely.

Pros

  • Pros:Xolo Go is genuinely free with no monthly fee — you can legally invoice clients in 186 countries without a registered company and only pay a 5.9% fee when withdrawing payouts
  • Pros:E-Residency company registration can complete in as little as one or two days, with registration assistance included in every Leap plan and a switching service for moving existing companies over
  • Pros:All Leap plans include complete accounting and Estonian tax reporting, with dedicated accountants reachable by email and two hours of their time per month

Cons

  • Cons:Starter and Standard plans cap you at 50 sales and 20 purchase transactions per month, so busier sellers on cheaper tiers will hit limits quickly
  • Cons:The Pro plan's two-months-free promotion requires a 6-month minimum commitment and auto-renews at standard rates, and no money-back guarantee is advertised anywhere
  • Cons:All Leap pricing is tied to Estonian e-Residency and Estonian tax reporting, so companies with filing obligations in other jurisdictions still need separate accountants
Best for
  • Freelancers without a registered company who need to issue legal, VAT-compliant invoices to international clients and get paid in multiple currencies
  • Digital nomads and remote workers who want an EU (Estonian) company run entirely through e-Residency without relocating
  • Solo e-commerce sellers on Shopify, Amazon, or Etsy who need Estonian VAT registration and OSS/IOSS compliance handled for them
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.

What is Xolo?

Xolo is an all-in-one administration platform for solopreneurs, built around two products: Xolo Go for invoicing without a registered company, and Xolo Leap for running an Estonian e-Residency company remotely. It bundles company registration, accounting, tax reporting, and multi-currency invoicing into a single service, scaling from a free pay-as-you-go tier to Premium plans for complex businesses. The platform reports 150,000+ solopreneur users and over €6 billion in invoices processed.

Xolo is a business administration service designed specifically for one-person companies. Xolo Go is a free, pay-as-you-go tool that lets you legally invoice clients in 186 countries in 7 currencies without a registered company, with a 5.9% fee on payouts. Xolo Leap is a monthly subscription that registers and operates an Estonian e-Residency company on your behalf, including registration assistance, complete accounting, Estonian tax reporting, and email access to dedicated accountants, with optional e-commerce VAT add-ons.

Should you choose Xolo?

Quick buyer guidance before you compare plans or click through.

Choose it if

  • Freelancers without a registered company who need to issue legal, VAT-compliant invoices to international clients and get paid in multiple currencies
  • Digital nomads and remote workers who want an EU (Estonian) company run entirely through e-Residency without relocating
  • Solo e-commerce sellers on Shopify, Amazon, or Etsy who need Estonian VAT registration and OSS/IOSS compliance handled for them
  • One-person businesses that want bookkeeping, tax calculations, and annual reporting offloaded to accountants rather than done in DIY software

Skip it if

  • Teams or agencies with multiple employees — plans are built around solo entrepreneurs, and adding shareholders or board members requires the Pro tier or above
  • High-volume operations exceeding 500 monthly sales transactions unless they're willing to pay Premium's from-€259 pricing, which is quoted based on business complexity
  • Businesses needing local tax filings outside Estonia — Xolo Leap covers Estonian reporting only, so multi-jurisdiction obligations require separate accounting help
  • Buyers who want a money-back guarantee or commitment-free discounted pricing; none is advertised and promo plans carry minimum terms

Next steps before buying

  1. 1If you don't have a company, start with Xolo Go: sign up free and send your first invoice in one of 7 supported currencies — you only pay the 5.9% fee when withdrawing payouts to your personal bank account
  2. 2Estimate your monthly volume to pick a Leap tier: Starter (€59/month) if you're under 50 sales and 20 purchases, Standard (€99/month) once revenue grows, Pro (€139/month) for OSS reporting or shareholders, Premium (from €259/month) for complex needs
  3. 3To register a company, apply for Estonian e-Residency and submit your identity documents — Xolo handles the registration steps, which can complete in one or two days
  4. 4If you already run a company elsewhere, use Xolo's dedicated switching service to migrate it instead of forming a new entity, then connect your bank or payment platform (LHV, Wise, Revolut, Stripe, PayPal, Payoneer, or Airwallex)
  5. 5If you sell on Shopify, Amazon, or Etsy, add the €59/month e-commerce support to your Leap plan for Estonian VAT registration and OSS/IOSS compliance

Xolo Key Features

✨ Invoicing that helps you get paid faster

Send professional, branded invoices your clients can pay without friction. Schedule them ahead of time or set them to repeat, and gentle reminders go out automatically. Fewer awkward chase-ups for you, faster payments for your business.

The invoicing tool comes with both Xolo Go and Xolo Leap.

🚀 From idea to launch in days, not months

Go from idea to launch in as little as one or two days. With Xolo Leap, you can set up and run an EU company through e-Residency from anywhere in the world. Xolo handles the registration steps and kicks bureaucracy out, so you can jump straight into the work you love.

✨ Taxes and accounting, done for you

You didn't go solo to become an accountant. Xolo's team of experts covers everything from reporting to tax calculations, and automatic expense reminders keep you on track. With the all-in-one accounting service, the numbers get handled quietly in the background — no more admin migraines.

🧾 No company? You can still invoice

Not a registered company? Not a problem. Xolo Go is a surprisingly simple way to bill clients and get paid, even across borders.

It's handy when you're testing the freelance waters. Here's what you get: - Invoicing and payments in multiple currencies - A legal way to invoice without a company - Free to sign up

✨ Support that actually supports you

When something's unclear, you get fast, reliable, and informed answers from a team of experts. Customers have called the service incredible, and Xolo seems pretty proud of it too. Whether it's a compliance question or an invoicing hiccup, real people are there to help.

Use Cases

🧾 Invoice clients without a company

You're a freelancer with no registered company, but a client abroad wants a proper invoice. With Xolo Go, you invoice in multiple currencies and get paid by SEPA or card. You only pay when money moves.

🌍 Launch an EU company from anywhere

You want an EU company but don't live in Estonia. Xolo Leap helps you register remotely in as little as one or two days, then handles accounting and Estonian tax reporting. Dedicated accountants answer by email.

🛒 Sell online without VAT headaches

You run a Shopify, Amazon, or Etsy store. Xolo's e-commerce add-on covers Estonian VAT registration and OSS/IOSS compliance, so cross-border sales stay handled while you focus on products and customers.

📊 Hand off taxes and admin

Admin work is eating your time. Xolo's accounting team handles reporting and tax calculations, with automatic expense reminders built in. You get peace of mind at tax time and more hours for real work.

Xolo pricing

From€59/mo

  • 7 plans
  • Free plan available

Prices checked on Oct 12, 2026 from Xolo's pricing page

Xolo pricing page screenshotView pricing page screenshot
PlanBilled monthlyBilled annuallyIncludes
Xolo Go
Free
—
Pay-as-you-go with no monthly fee; invoice without a registered company in 186 countries; 5.9% fee on payouts to personal bank account.
Xolo Leap (overview)
€59/mo
—
Run an e-Residency company remotely; e-commerce support available for €59/month.
Leap Starter
€59/mo
—
Available for first 12 months or until revenue reaches €4,000; complete accounting and Estonian tax reporting; max 50 sales and 20 purchase transactions/month.
Leap Standard
€99/mo
—
For solo entrepreneurs; no revenue limits; complete accounting and Estonian tax reporting.
Leap Pro
€139/mo
—
Promotion: €0 for 2 months (save €278, requires 6-month minimum commitment); includes OSS reporting, investment support, add shareholders/board members.
Leap Premium
€259/mo
—
Price based on complexity and volume of business; senior accountant consultation (1 hr/month), priority services, additional EU VAT number.
E-commerce support add-on
€59/mo
—
Add-on for all Leap plans; supports Shopify, Amazon, Etsy, Printful, Printify; Estonian VAT and OSS/IOSS compliance.

Price history

Tracking prices since Sep 7, 2026. No price change detected yet.

Pricing types: Free plan, Monthly subscription, Usage-based pricing

Pricing notes

Xolo Go is free at €0/month with a pay-as-you-go model (5.9% fee on payouts), while Xolo Leap for e-Residency companies starts at €59/month. Leap plans are Starter €59/month, Standard €99/month, Pro €139/month, and Premium from €259/month, plus a €59/month e-commerce add-on, all excluding VAT.

Xolo costs between €0 and €259 per month, with a free plan and four Leap subscriptions: Xolo Go at €0/month, Leap Starter at €59/month, Standard at €99/month, Pro at €139/month, and Premium from €259/month.

Here's what each option includes.

Xolo Go

Price: €0/month (pay-as-you-go) Best For: Freelancers who don't have a registered company Other Features:

  • Invoice clients in 186 countries
  • VAT-compliant invoices in 7 currencies
  • Receive SEPA and card payments
  • Reimburse business expenses
  • 5.9% fee on payouts to your personal bank account

Xolo Go is the simplest way to start. There's no monthly fee at all — you invoice legally without a company and only pay when money moves. 💡

Xolo Leap Starter

Price: €59/month Best For: Entrepreneurs just starting their business Other Features:

  • Assistance with company registration
  • Complete accounting and Estonian tax reporting
  • Dedicated accountants via email
  • Integrations with LHV, Wise, Revolut, Stripe, PayPal and more
  • Up to 50 sales and 20 purchase transactions per month

Starter is built for solos launching their first EU company through e-Residency. It covers the essentials well, though the transaction caps mean busier sellers will eventually outgrow it.

Xolo Leap Standard

Price: €99/month Best For: Solo entrepreneurs balancing core features with cost-effective support Other Features:

  • Everything in Starter
  • No revenue limits for your business
  • Up to 50 sales and 20 purchase transactions per month
  • Max 4 active bank and payment gateway accounts

Standard makes sense once your income climbs past Starter's revenue ceiling. Keep an eye on the monthly transaction limits, though — they're the same as Starter's.

Xolo Leap Pro

Price: €139/month (€0 for the first 2 months with the current promo) Best For: Growing businesses with higher volumes or multiple stakeholders Other Features:

  • Add shareholders or board members
  • OSS reporting for digital services
  • Investment activities supported
  • VAT OSS/IOSS reporting for physical goods
  • Up to 500 sales and 50 purchase transactions per month

Pro suits busier operations that need room to scale. The two-months-free promo looks generous, but it comes with a 6-month minimum commitment — cancel early and you'll be charged the standard fee.

Xolo Leap Premium

Price: From €259/month (based on your business's complexity and volume) Best For: Established companies with unique or complex needs Other Features:

  • Senior Accountant consultation (1 hour/month via call)
  • Priority services and priority annual report submission
  • Additional VAT number from an EU country
  • Higher-volume crypto investing
  • 5+ bank accounts and 500+ monthly sales transactions

Premium is for companies that want hands-on, flexible support. If you're a straightforward solo operation, you'd likely be paying for capacity you won't use.

E-commerce Support Add-on

Price: €59/month (added to any Leap plan) Best For: Sellers on Shopify, Amazon, Etsy, Printful or Printify Other Features:

  • Estonian VAT registration and OSS/IOSS compliance support
  • Works with Dropshipping, Print on Demand and Amazon FBA
  • Team with 8+ years of e-Residency accounting experience

If you sell physical goods, this add-on handles the fiddly VAT side of e-commerce so you don't have to.

Good to know: Xolo Go is genuinely free, so you can test the platform without spending anything. All Leap prices exclude VAT, and the Pro promo auto-renews at standard rates afterwards. There's no money-back guarantee shown on the page, so double-check the commitment terms before picking a discounted plan.

Cost calculator

Estimate what Xolo costs for your team.

Billing
Per month
€59
Per year
€708

Xolo Leap (overview) states no user limit: shown as one price for the whole account. Check the price for 5 users with the vendor. Estimate based on published list prices, before taxes, add-ons and discounts.

How to pay less for Xolo

  • Start on the free plan and upgrade only when you hit its limits.
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Why use Xolo?

Solo founders usually juggle invoicing, bookkeeping, and cross-border tax compliance alone or across multiple tools. Xolo consolidates those jobs: you can register an EU company in as little as one or two days without relocating, hand tax calculations and reporting to a team of accountants, and bill clients in multiple currencies via SEPA or card.

For online sellers, the e-commerce add-on covers Estonian VAT registration and OSS/IOSS compliance, removing some of the riskiest admin from cross-border sales.

Try it nowView pricing

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Xolo FAQ

How much does Xolo cost?

Xolo's cheapest paid plan, Xolo Leap (overview), costs €59 per month. Paid plans range from €59 to €259 per month. Prices checked on Oct 12, 2026 from the vendor's pricing page.

Does Xolo have a free plan?

Yes. Xolo has a free plan (Xolo Go); paid plans start at €59 per month.

Has Xolo's price changed recently?

No. We have not detected a price change since we started tracking on Sep 7, 2026.

What are Xolo's monthly transaction limits?

Starter and Standard both cap you at 50 sales and 20 purchase transactions per month. Pro lifts that to 500 sales and 50 purchases, while Premium supports 500+ monthly sales.

Which banks and payment platforms integrate with Xolo?

Leap plans support LHV, Wise, Revolut, Stripe, PayPal, Wamo, Payoneer, and Airwallex. Starter through Pro allows up to 4 active accounts; Premium handles 5+. Xolo Go users receive SEPA and card payments instead.

How quickly can I launch a company or switch to Xolo?

Company registration can take as little as one or two days, and every Leap plan includes registration assistance. Already have a company? Xolo offers a dedicated switching service for moving it over.

What kind of support can I expect?

All Leap plans include email access to dedicated accountants, with two hours of their time monthly. Premium adds a one-hour senior accountant call each month plus priority response to support requests.

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