Swiss accounting software compared

bexio, Banana, CashCtrl, AbaNinja, Klara, Infinity, Odoo and ERPNext side by side: what they cost, where the free tier ends, where your data lives and what they do for Swiss obligations. Every cell with its source.

The honest answer first

TILL is a public beta. Nomadik GmbH keeps its own books in it, but some things are still missing, such as payroll, sending email and a direct bank connection. If you switch, keep your current program running until the figures match. If you need a finished product today without a parallel run, one of the products below will serve you better.

The table compares them using what the vendors publish themselves. Every cell links its source and carries a date. Where we could not confirm a point from a vendor source, the cell says “Not confirmed”, never a guess.

TILL and 9 other products, as of 28 October 2026. Every cell links its source.
What is compared	TILL	bexio	Banana Accounting Plus	CashCtrl	AbaNinja	Klara	Infinity	OdooCommunity	OdooEnterprise	ERPNextwith erpnextswiss
The basics
Licence	MIT Source	Proprietary Source	Proprietary, yearly subscription Source	Proprietary Source	Proprietary Source	Proprietary Source	Proprietary Source	LGPL-3.0 Source	Proprietary (Odoo Enterprise licence) Source	GPL-3.0; erpnextswiss AGPL-3.0 Source
Where it runs	Your Mac or Linux computer, or a server you run Note There is no Windows app and no mobile app; TILL is not tested on Windows. On the capabilities page	Vendor cloud, in the browser and apps Source	Desktop program for Windows, macOS and Linux, plus apps read 23 September 2026 Source	Vendor cloud Source	Vendor cloud, in the browser Source	Vendor cloud Source	Vendor cloud Source	A server you run Source	Odoo Online on Standard; Odoo.sh or your own server on Custom Note Odoo's price page offers the Standard plan on Odoo Online only, and the Custom plan on Odoo Online, Odoo.sh or on-premise. Source	A server you run, or Frappe Cloud Source
Where the data is stored, as the vendor states it	One SQLite file on your computer On the capabilities page	Switzerland Note bexio's website says customer data is stored in certified Swiss data centres. Its privacy FAQ reserves storing encrypted backups in data centres in Switzerland and abroad. Source	Files on your device Source	Switzerland Note Its terms of service say the servers are exclusively in Switzerland. Source	Not confirmed	Not confirmed	Switzerland Note Its pricing page says financial data is stored on Swiss servers. Source	Wherever you host it Source	Not confirmed Note We could not confirm where Odoo Online stores the data of Swiss customers.	Wherever you host it Note On Frappe Cloud, Frappe hosts it; we did not confirm the regions offered. Source
Price
Free tier and its limit	YesFree, no limit Note MIT licence: no limit on users, companies or bookings, and no subscription. Source	NoNo free plan; 30-day trial Source	YesFree plan up to 70 transaction rows per file Note Above that, the file can no longer be saved, copied or printed. Source	YesFREE: 1 user, 1 organisation Source	YesStarter: 1 user, 1'000 documents a year, without MWST Source	NoNo free plan found Source	NoNo free plan found Source	YesFree, self-hosted Source	PartlyOne App Free: one app, on Odoo Online read 23 September 2026 Source	YesFree, self-hosted Source
Cheapest plan with the MWST returnList price, as the vendor states the VAT basis and billing period	CHF 0, no plan Note There is no subscription. TILL prepares the return from the postings and writes the eCH-0217 file; you upload it in the ESTV ePortal yourself. On the capabilities page	Not confirmed Note bexio lists the VAT form and VAT journal in its package comparison; we could not confirm from which package. Since 1.3.2026 the packages are Basic, Advanced, Optima and Ultimate, at CHF 35, 42, 69 and 119 a month billed yearly (CHF 10 more billed monthly), excl. MWST. Source	Advanced, CHF 179 a year incl. MWST Note The VAT report and the ESTV XML file need the Advanced plan. Source	FREE, CHF 0 Note The FREE plan includes VAT booking with a tax report, whose figures you transfer to the ESTV form. An eCH-0217 file is not confirmed. Source	Basic, CHF 21 a month; billing period and VAT basis not stated Note Starter has no MWST. The price page states neither whether the price includes MWST nor whether it is billed monthly or yearly. Source	Business Basic, CHF 55 a month billed yearly (CHF 69 monthly), excl. MWST Note KLARA's own comparison page says all accounting features, VAT reporting included, are in Business Basic. KLARA states its prices excl. VAT. Source	Pro, CHF 38 a month billed yearly (CHF 45 monthly), excl. MWST Note The effective-method VAT return starts at Pro; which plan settles the Saldo method was not confirmed. Source	Not confirmed Note The Community code defines the Swiss VAT return, but we did not find the view that displays it there. Source	Not confirmed Note We read Odoo's prices in euros, and its price page shows first-year prices for the users ordered at the start. We could not read on odoo.com the list price that applies after the first year.	CHF 0, self-hosted Note The erpnextswiss app prepares the VAT declaration. Frappe Cloud hosting starts at USD 5 a month (VAT basis not stated). Source
Swiss obligations
Issues QR-bills	YesWith structured addresses On the capabilities page	Yes Source	Yes Source	YesAlso on FREE Source	YesAlso on Starter Source	Yes Source	YesWith structured addresses Source	Yes Source	Yes Source	YesIn erpnextswiss Source
MWST return as an eCH-0217 fileThe format the ESTV ePortal accepts for upload	YesEffective and Saldo Note Version 2.0.0. The beta computes on agreed consideration (vereinbarte Entgelte) only, and you upload and file the return in the ESTV ePortal yourself. On the capabilities page	Not confirmed Note We found no eCH-0217 export in bexio's help centre, which describes saving the VAT form as a PDF and exporting the VAT journal to Excel. Source	YesEffective and Saldo Plan: Advanced Note eCH-0217 2.0.0 for 2025 periods, through an extension that needs the Advanced plan. Source	Not confirmed Note CashCtrl's roadmap lists an E-MWST XML file; we could not confirm that it has shipped. Source	Not confirmed Note AbaNinja's help describes its VAT overview as a fill-in aid for the ESTV form. We found no eCH-0217 export. Source	Not confirmed Note A KLARA article describes downloading an XML file for the ESTV portal; we could not confirm the eCH-0217 version. Source	Not confirmed	Not confirmed	Not confirmed Note Odoo's Swiss localisation documentation does not mention an eCH-0217 export. Source	YesEffective and Saldo Note In the erpnextswiss app (AGPL-3.0): XML templates in the eCH-0217 version 2 namespace. Source
Swissdec-certified payroll	NoA hand-off Note TILL exports your employee data for your payroll provider and books the wage journal you bring back. Pay slips, AHV and Swissdec filings stay with the provider. On the capabilities page	YesELM 5.3 Note Listed by Swissdec. An add-on from Advanced, included in Ultimate. Source	Not confirmed	Not confirmed Note Payroll is part of PRO; we could not confirm a Swissdec certification. Source	Yes21.AbaSalary, ELM 5.0 Note Certification as stated by Swiss21.org. Source	YesELM 5.3 Note Listed by Swissdec. Source	PartlyThrough a certified partner Note An add-on at CHF 9 per employee a month, excl. MWST. Infinity says it runs through a Swissdec-certified partner. Source	NoNot in Community 20.0 Note The Odoo Community 20.0 source has no payroll module. Source	YesELM 5.3 Note Listed by Swissdec as certified basic for ELM 5.3, 5.1 and 5.0. Source	Not confirmed Note erpnextswiss writes the salary certificate (Lohnausweis); we found no Swissdec certification. Source
Bank and payments
Imports camt.053/054 statements	Partlycamt.053 Note camt.054 notifications are not read; import the day-end camt.053. On the capabilities page	Yescamt.053 upload, and through bank interfaces Source	Yescamt.052, .053, .054 Source	Yescamt.052, .053, .054 Plan: PRO Source	Not confirmed	Yescamt.053 upload Source	Yescamt.053 upload Source	NoNot in Community 20.0 Note The Odoo Community 20.0 source has no camt import module. Source	Yescamt.053 Source	Yescamt.053 and camt.054, in erpnextswiss Source
Writes pain.001 payment files	Yes On the capabilities page	YesAs a file or through a bank interface Source	PartlyBeta extension Plan: Advanced Note The Payment Orders extension writes pain.001 (version 2019). Banana marks it beta, and it needs the Advanced plan. Source	PartlyFor salaries Plan: PRO Note Payroll pays salaries with a pain.001 file. A pain.001 run for supplier bills was not confirmed. Source	Not confirmed	Not confirmed	Not confirmed	NoNot in Community 20.0 Note The Odoo Community 20.0 source has no ISO 20022 payments module. Source	YesSwiss ISO 20022 Source	YesIn erpnextswiss Source
Direct bank connection	NoNot in the beta Note The EBICS client is built, but the module that connects it to your bank ships later. Until then you import camt.053 files from your eBanking. On the capabilities page	YesBank interfaces such as bLink Source	No Note Banana's documentation: it is not possible to connect directly to the bank. Source	Not confirmed	YesPermanent bank connections Plan: Basic Source	YesWith some banks Source	Yes10 or more Swiss banks Source	NoNot in Community 20.0 Note The Odoo Community 20.0 source has no bank synchronisation module. Source	Not confirmed Note Odoo documents bank synchronisation providers; we could not confirm Swiss bank coverage. Source	YesEBICS in erpnextswiss Source
Sends eBills	NoNot in the beta Note TILL packages an invoice as an eBill, but sending it is not in the beta. On the capabilities page	PartlyThrough a partner app Source	No Note Banana's invoice documentation lists sending eBills among the features not available yet. Source	Not confirmed	Yes21 a month included Plan: Basic Note Further eBills cost CHF 0.39 each. Source	Yes Note eBill is one of the delivery channels in KLARA's API documentation. Source	Not confirmed	Not confirmed	Not confirmed	Not confirmed
Openness and agents
Public API	YesMCP, and a local REST twin of every verb On the capabilities page	YesREST Note We could not confirm whether every package includes API access. Source	PartlyLocal and read-only Plan: Advanced Source	YesREST Plan: PRO Source	YesREST Plan: Basic Source	YesREST Source	YesREST, in every plan Source	YesExternal API Source	Not confirmed Note We could not confirm on odoo.com which Enterprise plan includes the external API.	YesREST, from the Frappe framework Source
Official MCP server for AI agentsMade by the vendor itself, not a community project	YesRead and write Note By default, your agent waits for your OK before it books anything, moves your money, grants access or deletes your data for good. On the capabilities page	None found Note Community-built MCP servers for bexio exist; we found none published by bexio. Source	None found Note A community server reads Banana's local API; we found none published by Banana. Source	None found Note A community server uses the CashCtrl API; we found none published by CashCtrl. Source	None found Note A community server uses the AbaNinja API; we found none published by the vendor. Source	YesRead and write Note KLARA MCP: a write only prepares a change, and you approve it in the browser. Source	YesIn every plan Note Infinity names bookings, invoicing and receipt matching among the tasks an agent can automate. Source	NoNot in Community 20.0 Note The Odoo Community 20.0 source has no AI or MCP module. Source	YesRead, and write if enabled Note In the AI app of Odoo 20 (24.09.2026). Read tools are exposed by default; an administrator can expose write tools. Source	YesRead and write Note Built into the Frappe framework since v16.53.0 (22.10.2026), on by default, with the signed-in user's permissions. Source
Full data export without a subscription	YesThere is no subscription Note A whole company exports in an open, documented format, and the books are a file you hold. On the capabilities page	PartlyUntil one month after the contract ends Note bexio's terms give one month after termination to request the data, after which it is deleted. bexio's help names PDF and Excel exports and no database dump; contacts also export as CSV. Source	Not confirmed	PartlyExports on the FREE plan Note The FREE plan exports to PDF, Excel and CSV; a complete export of all data was not confirmed. Source	Not confirmed	Not confirmed	Not confirmed	YesYour own database Source	Not confirmed	YesYour own database Source
Beyond the books
Inventory, projects and time, CRM, fixed assets, multi-currency	YesAll five Note Inventory with lots, projects and time, a sales pipeline, fixed assets with depreciation, and multi-currency. On the capabilities page	PartlyInventory, projects and time, CRM, foreign currency Note Inventory and projects from the Optima package. Fixed assets through a partner app. Source	PartlyInventory, fixed assets, multi-currency, time sheet Note Multi-currency from the Professional plan. We found no CRM. Source	PartlyFixed assets, stock items, multi-currency Note Multi-currency needs PRO. We found no projects or time tracking. Source	PartlyStock, time tracking, foreign-currency documents Source	PartlyInventory, projects and time, CRM Source	PartlyProjects and time, multi-currency Note We found no inventory. Source	PartlyInventory, projects and time, CRM, multi-currency Note Fixed assets are not in Community 20.0. Source	YesAll five Source	YesAll five Source

Key:YesPartlyNoNone found(we looked in what the vendor publishes, on the date read, and found none)Not confirmed(we could not confirm it from a vendor source)

Not in the table

Abacus (Abacus Research AG) is business software for larger companies, sold as modules and mostly through fiduciary and sales partners. It is not in the table because a module-by-module, partner-priced suite does not compare like for like with the products above. Source, read 28 October 2026

Run my Accounts (part of the Infoniqa group) is mainly an online bookkeeping service in which a fiduciary keeps your books; it also sells its software for booking yourself. It is not in the table because its offer centres on the service. Source, read 28 October 2026

What actually matters

Legal position as of October 2026

The VAT return should be computed from the postings, not kept next to them. Since 1 January 2024 the rates are 8.1, 3.8 and 2.6 percent, and a period that straddles the change needs the old rates as well. The return is filed through the ESTV ePortal, which accepts a file in the eCH-0217 format, so you do not have to type the figures in.

The QR-bill replaced the red and orange payment slips on 1 October 2022. Almost any software can print one today. The difference lies in the structured address and in matching incoming payments from the bank’s camt files automatically.

And the way out: business records must be kept for ten years (Swiss Code of Obligations, Art. 958f). In ten years a vendor can change its prices, its plans or its owner. Before you start, check that you can get all of your data back out, in a format you can read.

Where your data lives

As of 28 October 2026

bexio, CashCtrl, AbaNinja, Klara and Infinity run in the vendor’s cloud. There is nothing to install and the vendor takes the backups. In return the books sit on the vendor’s servers, and access depends on the subscription.

Banana keeps each set of books as a file on your device. Odoo (Community, and Enterprise on the Custom plan) and ERPNext can be self-hosted, on your own server, with your own effort for updates and backups.

TILL belongs to the second group: one file, on your machine, and TILL creates no outbound connection of its own.

Where TILL is different, and where it is not

As of 28 October 2026

The interface to TILL is an MCP server: an AI agent can post entries, write invoices and prepare the VAT return, and you decide in the Studio. That is no longer unusual. Infinity and Klara, two Swiss vendors, ship official MCP servers, Odoo 20 has one in the Enterprise AI app, and the Frappe framework under ERPNext has one built in.

What TILL offers is the combination: the MIT licence, local rather than cloud, and the Swiss obligations in the core rather than in a country pack. What TILL lacks is maturity. That is deliberately not in the small print.

Comparisons in depth

What TILL does not do yet

TILL is a public beta. These are its limits today, in the same words on every page:

No payroll of its own. TILL exports your employee data for your payroll provider and books the wage journal you bring back.
No MWST filing from TILL. It writes the eCH-0217 file, and you upload it in the ESTV ePortal.
No MWST on received consideration (vereinnahmte Entgelte): TILL computes the return on agreed consideration only.
No email sending yet. TILL makes the PDF of an invoice, quote or reminder, and you send it from your own mail program.
German (de-CH) and English only. No French or Italian yet.
Runs on macOS and Linux; Windows is not supported (we do not test on it), and there is no mobile app.
No direct bank connection in the beta. You import camt.053 statements from your eBanking.
On your own computer, backups run when you start them, not on a schedule.
Several people in one book only on a server you host yourself. The local app is for one computer.
No eBill sending, no e-signature and no online customer portal.

TILL is an independent project. It is not derived from any product on this page, and it is not affiliated with any of their vendors.

Try it

TILL is free, with no account and no subscription. Keep your current program running until the figures match.

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About this comparison

Every statement about another product on this page rests on what its vendor publishes (website, price list, documentation or source code), read on the date shown with it. Where we could not confirm a point from such a source, the table says “Not confirmed”. Prices are published list prices, with the VAT basis and billing period the vendor states, and without promotions. Products and prices change, so check with the vendor before you decide.

If something here is wrong or out of date, write to hello@tillbooks.ch with the subject “Comparison correction”. We check every report and correct confirmed errors within 5 working days, with the date of the change.

This page is published by Nomadik GmbH, which builds TILL, so it is not neutral. TILL is an independent project and is not affiliated with, endorsed by or sponsored by any vendor named here.

bexio, Banana, CashCtrl, AbaNinja, Abacus, Klara, Infinity, Run my Accounts, Odoo, ERPNext, Frappe, erpnextswiss, GnuCash, Manager.io, Gäld, Infoniqa, Swiss21.org, DeepCloud, 21.AbaSalary, libracore, Swissdec, bLink, QuickBooks, Intuit, Lexoffice, sevDesk and DATEV are trademarks or registered trademarks of their owners and are used here only to name their products.