64 · Productivity

Bookkeeping Report Maker

Drop in your receipts, invoices and bank statements. The tool reads the dates, amounts and tax, matches bank payments to documents, and you check every line. Add salaries and fixed assets if you have them, and it makes the report: profit and loss, VAT or GST with journals, payroll, depreciation, a draft balance sheet and a full ledger.

1 Your settings

Invoices with this name at the top are counted as income, everything else as expenses.

Used to find the other side’s number on invoices for the VAT journals.

For the profit tax estimate. Bulgaria: 10%.

More options

Separate them with commas. They’re added to the category lists.

Languages in photos and scans

Only used for photos and scanned PDFs. PDFs with real text and bank exports work in any language, including Bulgarian, Greek and Russian.

2 Add your documents

Receipts, invoices (PDF or photo), bank statements (CSV, Excel or PDF), or a saved working file. Drop them here Files stay on your device

    4 Fixed assets and depreciation optional

    Computers, cars, machines and other things used for more than a year are depreciated: their cost is spread over several years. Lines you mark as “Fixed asset” in step 3 appear here; add assets bought in earlier years by hand. Depreciation is straight-line from the month the asset is put into use. The default rates are the Bulgarian tax rates (computers 50%, cars 25%, machines 30%, other 15%); change them if yours differ.

    5 Payroll (salaries) optional

    Leave empty for no cap.

    Civil contracts pay contributions only from this amount.

    One line per person per month. Paid leave is paid like a normal working day. Sick days after those the employer pays, and maternity leave, are paid by НОИ, not by you; the НОИ column is a rough estimate from this salary (НОИ uses the average of the last 18 or 24 months). On a civil contract (граждански договор), enter the fee as the salary. For Bulgaria, working days leave out public holidays, including Easter and holidays moved from a weekend.

    6 Year-end figures for the balance sheet optional

    The balance sheet needs a few amounts that aren’t on receipts. Enter them as at the last day of the period.

    Use a minus sign for a loss.

    How to use the bookkeeping report maker

    1. Choose your country (it fills in the currency, tax name and rate), the period and whether you’re VAT/GST-registered.
    2. Drop in your documents: PDF invoices, photos of receipts, and bank statements as CSV, Excel or PDF.
    3. Check the table. Fix any wrong date, amount, tax or category, untick private lines, and mark equipment as “Fixed asset”.
    4. Optionally add salaries (one line per employee per month), assets from earlier years and the year-end figures for the balance sheet.
    5. Read the report, then download it as Excel or CSV, or print it or save it as a PDF.

    What it can read

    • PDF invoices and receipts with real text: read directly, in any language.
    • Photos and scanned PDFs: read with text recognition (OCR) that runs on your device, in English, Spanish, French, German, Portuguese and Italian.
    • Bank statements exported as CSV or Excel (.xlsx): the date, description and amount columns are found automatically, including separate debit and credit columns. PDF statements work when each transaction is on one line.
    • A saved working file, so you can stop and continue later.

    What the report contains

    • Bank reconciliation: every bank line is matched to its invoice or receipt by amount and date, and you see which payments have no document and which invoices are unpaid. Matched pairs are counted once.
    • Payroll: gross pay, employee and employer contributions, income tax, net pay and total cost per person and month, with paid leave and sick days. Bulgarian 2026 rates are filled in; other countries enter their own.
    • Fixed assets: straight-line depreciation for the period and the book value at the end.
    • Income statement and draft balance sheet, with a profit tax estimate.
    • VAT/GST journals (sales and purchases) and VAT per month.
    • Income, expenses and profit (or loss), with your profit margin.
    • VAT/GST charged on sales, paid on purchases, and the difference to pay or reclaim.
    • Income and expenses by category, by month and by supplier.
    • A ledger with every line, in your report currency and the original currency.
    • A list of things to check: lines without dates, possible duplicates, missing exchange rates.

    The Excel file has separate sheets for the summary, ledger, journals, VAT by month, reconciliation, fixed assets, payroll, balance sheet, categories and months, ready to send to an accountant.

    Income or expense?

    Bank lines with money coming in are income and money going out are expenses. For documents, enter your business name: invoices with your name at the top are counted as sales, and everything else as purchases. You can change any line in the table.

    Important

    This is a helper for keeping your books in order, not tax software. It doesn’t file anything, and the report is not an official tax return or certified accounts. Tax rules (what you can deduct, reduced rates, how to convert currencies) differ between countries and businesses, so check the report and ask an accountant or your tax office before you rely on it.

    Examples

    12 receipt photos + a bank CSV, Bulgaria, VAT-registered

    Profit, VAT to pay, expenses by category

    Freelancer invoices (PDF) for one quarter, Germany

    Quarterly income and MwSt summary

    Bank statement CSV, Personal finances

    Spending by category and month

    Questions

    Are my documents uploaded?

    No. Every file is read by your browser on your own device and never sent to a server. Only the exchange rates are fetched from this site. Nothing you enter is saved here; use “Save working file” to keep a copy on your device.

    How accurate is it?

    PDFs with real text and bank exports are usually read well. Photos depend on the image: blurry, crumpled or faded receipts cause mistakes. That’s why every line is shown in a table for you to check before it goes into the report.

    Which countries are supported?

    67 countries have presets for the currency, the tax name and the standard rate, and “Other / custom” works anywhere. You can always change the rate, for example for reduced rates or US sales tax, which differs by state.

    What if my documents are in different currencies?

    Each line keeps its own currency and is converted to your report currency. The rates are filled in from the European Central Bank; change them if your tax office requires a different rate.

    What’s the difference between “registered for VAT/GST” and not?

    If you’re registered, you charge VAT on sales and reclaim it on purchases, so profit is counted without tax and the report shows the VAT to pay or reclaim. If you aren’t, the tax you pay is part of your costs, so amounts include tax.

    Can it file my VAT return or payroll declarations with НАП?

    No. It prepares the numbers: VAT per month with the Bulgarian cell numbers, the sales and purchase journals, and payroll contributions and tax per month. You or your accountant still submit the declarations on the НАП portal with an electronic signature or ПИК code. It doesn’t create the official journal files (POKUPKI.TXT, PRODAGBI.TXT).

    How exact is the payroll?

    It covers the common case: a monthly salary, paid leave, sick days paid by the employer, bonuses, contributions with a monthly cap and a flat income tax. It doesn’t handle things like tax reliefs, part-time insurance rules, multiple contracts or special categories of work, and rates change, so check the figures before you pay.

    Does it replace an accountant?

    No. It organises your documents and does the sums, which saves time and money if you work with an accountant, but it doesn’t give tax advice or file returns.