As a certified accountant, I am usually asked the same question first: what is a realistic monthly budget for OÜ accounting without hidden extras. The answer depends less on headline price and more on transaction volume, payroll complexity, and reporting responsibilities.
A reliable comparison starts from legal obligations, not marketing pages. Core accounting requirements are defined in the Accounting Act (RPS), while tax administration rules are set out in the Taxation Act (MKS). Operational tax scope should be checked against EMTA guidance on income and social taxes.
If you are evaluating providers for the first time, review How to Choose an Accountant in Estonia, Accounting Service vs In-house Accountant, and Payroll Service in Estonia. This gives context before you compare package pricing.
For a direct scope comparison, review our accounting services page and verify what is included: legal address, contact person service, reporting, and response standards.
In my 15+ years of practice, I've seen accounting fees for OÜ companies range from €40 to €500+ per month. The cheapest option is rarely the best value. What matters most is whether the service matches your actual business needs and includes everything you require without hidden add-on fees.
What's Included in OÜ Accounting Services
Professional accounting services for an Estonian OÜ should cover far more than just "doing your books." Here's what a comprehensive package includes:
Core Accounting Functions
- Monthly bookkeeping: Recording all business transactions, categorizing expenses, reconciling bank accounts
- VAT declarations: Preparing and submitting monthly or quarterly VAT returns to Emta
- Annual reports: Complete financial statements including balance sheet, income statement, and cash flow
- Financial oversight: Ensuring compliance with Estonian accounting standards and tax regulations
Mandatory Business Services
Every OÜ in Estonia requires certain services that are often bundled with accounting:
- Contact person service: A licensed representative listed in the Business Register (required by law)
- Legal address: Official registered address for your company (cannot be a personal residence)
- Document storage: Secure archiving of financial documents for the legally required 7 years
Many cheap accounting services charge separately for contact person (€20-40/month) and legal address (€15-30/month). At Accres, we include both in all packages because these are fundamental business requirements, not optional extras. Always check what's truly included before comparing prices.
Modern Tech-Enabled Features
In 2026, services should offer digital-first capabilities:Estonian accounting
- Invoice generation tools: Create and send invoices directly from your accounting platform
- Multicurrency support: Handle transactions in EUR, USD, GBP, and other currencies
- Cryptocurrency support: Proper accounting for crypto payments, token sales, and exchange transactions
- API integrations: Automatic bank feed connections with LHV, Wise, Revolut, and other platforms
- OSS handling: One Stop Shop VAT for e-commerce businesses selling across the EU
Pricing Packages Breakdown
Based on my experience managing Accres and analyzing competitor offerings, here's what you can expect at different price points in the Estonian market:
Entry Level: €59-79/month
Best for: Startups, freelancers, and small OÜ with low transaction volume
Typical coverage:
- Up to 15-30 invoices per month (both sales and purchases)
- 2-3 bank accounts
- No employees or up to 1 employee
- Basic VAT support
- Annual report included
- Contact person and legal address included
At Accres, our Nola 1.0 package (€59/month) serves this segment. It's perfect for e-residents running consulting businesses, small SaaS projects, or service-based startups with predictable, low-volume invoicing.
Mid-Tier: €79-120/month
Best for: Growing businesses with regular sales and a small team
Typical coverage:
- Unlimited sales invoices, 30-50 purchase invoices
- 4-6 bank accounts
- Up to 3 employees
- Full VAT + OSS for e-commerce
- All entry-level features included
Our Nola 2.0 package (€79/month) is the most popular choice at Accres. About 60% of our clients use this tier because it provides room to grow without overpaying for unused capacity.
I've processed accounting for over 200 e-commerce companies. If you're doing cross-border EU sales, OSS handling alone can save you 10+ hours monthly in VAT compliance work. The mid-tier package pays for itself in time savings.
Professional: €120-180/month
Best for: Established companies with higher volumes and complexity
Typical coverage:
- Unlimited sales and purchases (60-100 purchase invoices)
- 8+ bank accounts
- Up to 5 employees with full payroll processing
- Complex VAT scenarios (intra-EU services, reverse charge, etc.)
- Priority support and dedicated accountant
At Accres, Nola 3.0 (€149/month) serves this segment. Companies at this level typically have €200K+ in annual revenue and need proactive tax planning, not just bookkeeping.
Enterprise: €200+/month
Best for: Large OÜ with complex operations, many employees, or specific industry requirements
At this level, pricing is typically custom-quoted based on:
- Number of transactions (100+ invoices monthly)
- Employee count (6+ employees)
- Industry complexity (FinTech, crypto exchanges, investment funds)
- International operations (multiple tax jurisdictions)
How to Choose the Right Package
After helping over 300 companies select their accounting package, I use this framework:
Step 1: Count Your Monthly Transactions
Look at your last 3 months of business activity:
- How many sales invoices do you issue per month?
- How many purchase invoices do you receive?
- How many bank accounts are you actively using?
Choose a package with at least 30% buffer above your current volume. Growth happens fast, and you don't want to hit limits mid-month.
Step 2: Assess Your Growth Trajectory
If you're actively growing (adding customers, launching products, hiring), skip the cheapest package. You'll outgrow it in 2-3 months and face upgrade fees or service disruptions.
I typically recommend new startups start with mid-tier packages even if they qualify for entry-level pricing. The extra €20/month gives you breathing room to focus on business, not accounting logistics.
Step 3: Check What's Actually Included
Before committing, verify these items are included, not add-ons:
- Contact person service
- Legal address
- Annual report preparation and filing
- VAT declaration filing
- Access to accounting software/dashboard
I've consulted with companies paying €45/month for "accounting" only to discover they were charged €30/month extra for annual reports, €25 for contact person, and €20 for their legal address. Their actual cost was €120/month, not €45. Always get the total monthly cost in writing.
Step 4: Consider Industry-Specific Needs
Certain business types require specialized accounting capabilities:
- E-commerce: You need OSS handling, multicurrency support, and high invoice capacity
- Crypto/Blockchain: Cryptocurrency transaction support is essential, not optional
- SaaS/Software: Subscription revenue recognition and API integrations with Stripe, Paddle, etc.
- Consulting: Basic packages work well unless you have employees or complex expense reimbursements
Hidden Costs to Watch Out For
In my 15 years as an accountant, I've seen these surprise fees catch business owners off guard:
Per-Transaction Overages
Many services charge €2-5 per invoice if you exceed your package limit. If you have 25 invoices on a 15-invoice package, that's €20-50 in overage fees monthly, making your "€49 package" actually cost €69-99.
Solution: Choose a package with buffer room or find providers (like Accres) who offer unlimited sales invoices at mid-tier pricing.
Separate Annual Report Fees
Some accountants charge €200-500 separately for preparation. This should be included in your monthly fee.annual report
Setup and Onboarding Fees
While some complexity in switching accountants justifies a one-time setup fee (€100-200), be wary of services charging €500+ for "onboarding." This is often unnecessary padding.
Employee Payroll Add-Ons
If your package includes "up to 3 employees," verify what happens when you hire employee #4. Some firms charge €20-40 per additional employee monthly. Others offer free upgrades to the next package tier.
Bank Account Connection Fees
A few services charge per-bank-account fees (€5-10/month per account). With modern API integrations, this shouldn't be a separate charge.
At Accres, we built our own API integration platform specifically to eliminate per-account fees. Our clients often use Wise for international payments, LHV for EUR operations, and Revolut for expenses—all connected at no extra charge within package limits.
Making the Right Choice for Your OÜ
The right package is the one that fits your current workflow and still works when volume increases. Compare service scope, response model, and accountability before you compare headline price.
If you want a practical next step, start with our accounting services page and then benchmark against in-house vs service model. For VAT workflow planning, also review the VAT declaration guide.
Frequently Asked Questions
How much do accounting services cost for an OÜ in Estonia?
Accounting services for an Estonian OÜ typically range from €59 to €149 per month depending on your business volume. The entry-level package (€59/month) covers up to 15 invoices monthly, while mid-tier (€79/month) handles unlimited sales and up to 3 employees. Most packages include legal address, contact person service, and annual reports at no extra charge.
What's included in accounting services for OÜ?
A comprehensive OÜ accounting package includes: monthly bookkeeping, VAT declarations, annual financial reports, contact person service, legal address, invoice generation, multicurrency support, cryptocurrency transactions handling, and API integrations with banking platforms. Premium packages also cover payroll for up to 5 employees and OSS (One Stop Shop) VAT handling for e-commerce.
Do I need a VAT number to use accounting services?
Most professional accounting packages in Estonia are designed for VAT-registered companies. If your OÜ has voluntary VAT registration or exceeds the €40,000 annual turnover threshold requiring mandatory VAT, you'll benefit from full-service accounting. For pre-revenue or very small OÜ without VAT, simplified bookkeeping options may be available.
Can accounting services handle cryptocurrency transactions?
Yes, modern Estonian accounting services include cryptocurrency support as standard. This covers crypto payments, token sales, exchange transactions, and proper tax treatment according to Estonian law. Given Estonia's crypto-friendly regulations and many blockchain startups here, this capability is essential for tech-focused accounting firms. See also: e-resident company accounting in estonia.
What happens if I exceed my package limits?
If you exceed your package limits (number of invoices, employees, or bank accounts), most accounting firms offer flexible upgrades to the next tier. Some charge per-transaction fees for overages, but upgrading to a higher package is usually more cost-effective. I recommend reviewing your package quarterly to ensure it matches your current business volume. See also: accounting software vs accountant.