If you ask Czech developers and freelancers which invoicing tool they love, the answer is almost always Fakturoid. And honestly? They are right to love it. Since 2009, Fakturoid has been quietly building the most thoughtfully designed invoicing experience in the Czech market. The interface is clean and fast. The API is excellent (OAuth 2.0, SDKs for PHP, Ruby). Over 800,000 invoices flow through Fakturoid every month.
We are fans. Seriously.
So why did we build MoneySky?
Because Fakturoid solves invoicing beautifully and only invoicing. The moment your financial life extends beyond sending bills and tracking payments, you are on your own. Your personal spending? A different app. Your investments? A different app. Your tax structure optimization? A spreadsheet and a prayer.
MoneySky is a new platform, launched in 2025 in Prague. We are not trying to out‑invoice Fakturoid. We are building the financial platform that handles everything Fakturoid does not while also handling invoicing in the same place.
What Fakturoid does better than us (right now)
We believe in honest comparisons, so here is where Fakturoid is ahead:
The invoicing UX is best in class. Fifteen years of refinement shows. Invoice creation is fast, templates are customizable, and the workflow feels effortless. Webfaktura gives your clients a branded page where they can view invoices, see payment history, and pay directly. MoneySky's invoicing is functional and includes automatic bank payment matching, but it has not had fifteen years of polish.
The API and integration ecosystem is mature. Fakturoid's v3 API with OAuth 2.0, multiple SDKs, Zapier and Make integration, and even an MCP server for AI assistants make it the most developer friendly invoicing tool in Czechia. If you are building automated workflows around your invoicing, Fakturoid is easier to integrate.
Accounting software exports are broader. Fakturoid exports to seven Czech accounting programs including Pohoda, Money S3, and FlexiBee. MoneySky provides accountant ready exports, but the range of supported accounting software is narrower.
Tax compliance documents are comprehensive. Fakturoid's top tier (Na maximum, 393 Kč per month) generates VAT returns, kontrolní hlášení, souhrnné hlášení, OSS declarations, and ongoing social health insurance calculations. These are the actual documents your accountant or the financial authority needs.
The new business discount is smart. If your IČO is less than twelve months old, Fakturoid gives you fifty percent off the first year. That makes the entry tier just 49.50 Kč per month a genuinely great deal for new freelancers.
Mobile apps exist. Fakturoid has iOS and Android apps. MoneySky is web only for now.
If all you need from a financial tool is invoicing and you want the absolute best invoicing experience available in Czechia, Fakturoid is it.
The question Fakturoid cannot answer
Here is a scenario that is increasingly common for people working in the Czech digital economy:
You are a freelancer. Maybe you are a developer, a designer, a marketer, or a content creator. Fakturoid handles your invoices perfectly. But your financial life does not end at invoicing.
You have been putting money into ETFs on eToro. You track your personal spending in Spendee or BudgetBakers. And once a year, you sit down with a calculator and try to figure out whether you would pay less tax as an OSVČ or as an s.r.o.
That is at least three apps and a spreadsheet. None of them know about each other. Your net worth is a mental number you piece together from fragments. Your tax planning is based on estimates because no single tool has all the data.
MoneySky brings it all together. Your invoices, your personal spending, your investment portfolio, and your tax analysis all live in one platform. When a client pays an invoice, the money shows up in the same dashboard where you track your grocery budget and your ETF returns. Your net worth becomes a real number calculated from real data, updated automatically.
Tax optimisation is strategic, not just compliance. Fakturoid generates tax documents that are compliance. MoneySky asks: given your actual combined income, expenses, investments, and business revenue, what is the optimal tax structure? Should you stay as OSVČ or switch to s.r.o? Are you approaching the two million Kč VAT threshold? What will your tax obligation look like next quarter? These are strategy questions, and answering them requires seeing your full financial picture which only a platform that combines personal and business data can provide.
Your investments are part of your financial story. Fakturoid does not know you have a Degiro account. MoneySky does. It tracks your stocks and ETFs alongside your business income, so your net worth reflects reality not just your bank balance minus unpaid invoices.
AI works across everything. MoneySky uses AI to categorize transactions, scan receipts and PDFs, and surface spending insights in both your personal and business finances. It is not a feature bolted onto invoicing; it is woven into the entire platform.
What this actually costs
| MoneySky | Fakturoid | |
|---|---|---|
| Entry | €7.99 per month (~200 Kč) | Živnostník: 99 Kč per month |
| Mid tier | Everything included | Firma: 211 Kč per month |
| Top tier | — | Na maximum: 393 Kč per month |
| Annual savings | €79.90 per year (~167 Kč per month) | Available (varies by tier) |
| New business discount | 14 day trial | Fifty percent off first year |
For invoicing alone, Fakturoid is cheaper. The Živnostník plan at 99 Kč per month is roughly half of MoneySky.
But most freelancers do not use just an invoicing tool. Here is the real math:
Fakturoid Firma (211 Kč per month) plus Spendee Premium (~150 Kč per month) for personal tracking equals ~360 Kč per month and you still do not have investment tracking or tax optimisation.
MoneySky equals ~200 Kč per month with invoicing, personal finance, investments and tax tools included.
One platform costs less than two fragmented ones.
What we are building toward
We are a young platform. Fakturoid has fifteen years of development behind it, and that shows in the depth and polish of its invoicing features. We will not pretend we are there yet on pure invoicing.
What we are building is different: a platform that grows with you through your entire financial journey. Today, you might be a freelancer sending a few invoices a month. Next year, you might be running a profitable digital business, managing investments, and making strategic tax decisions. MoneySky is designed so you never have to switch platforms because every new chapter of your financial life fits into the same place.
Fakturoid is the best tool for invoicing. MoneySky is the platform for everything invoicing is just one part of.
The honest recommendation
Stick with Fakturoid if your financial life is mostly about invoicing. If Webfaktura matters to your client relationships, if your accountant expects Pohoda exports, if you need the mature API for automations, or if you are just starting out and want that fifty percent first year discount, Fakturoid is an excellent choice and we would genuinely recommend it.
Consider MoneySky if you have reached the point where invoicing is just one piece of your financial puzzle. If you are investing, juggling personal and business expenses, and wondering about the best tax structure, and you are tired of managing all of that across separate apps, MoneySky is built for exactly that moment.
Your financial life will keep growing. The question is whether your tools will grow with it.