For self-employed

Filing season no longer starts by hunting for receipts

Snap a photo of the receipt and it's booked. Modelo 303 and 130 come out balanced: file them yourself from the app, or hand them to your accountant. VeriFactu-compliant. Pro plan from 15 €/mo, no lock-in.

Modelo 303 and 130 No lock-in contract Price frozen for 24 months
15 €/mo

Pro plan: VeriFactu, Modelo 303 and 130, accounting and expenses. No lock-in contract.

303 · 130

filed directly with the AEAT using your certificate. Proof CSV stored automatically.

Jul 2027

VeriFactu deadline for self-employed (RD 254/2025). Start now and get there with no rush.

24 months

price frozen from your signup. Export a ZIP of all your data in 1 click.

What you need, nothing you don't

Invoicing, VAT and IRPF in the same app. No paying per module.

Most SaaS tools give you the invoice but make you download the file and go to the AEAT's site yourself. Cofactu files Modelo 303 and 130 for you, directly, and stores the proof CSV. Check out electronic invoicing under VeriFactu to understand what changes with the new regulation.

What's included

Everything you need as self-employed, no paid add-ons

Pro plan 15 €/mo. No lock-in contract. Price frozen for 24 months.

From mobile or desktop

Invoice in under 1 minute

Pick a client, add a line and an amount, hit send. The invoice is signed, chained with a VeriFactu hash and sent to the AEAT in seconds. A PDF with a verifiable QR is ready to send.

Direct filing to AEAT

Modelo 303 (quarterly VAT)

Cofactu aggregates your issued invoices and expenses for the quarter, generates the official BOE file and files it for you with the AEAT using your certificate. Proof CSV stored in your account.

Direct estimation

Modelo 130 (IRPF installment payment)

If you're on regular or simplified direct estimation, the 130 is calculated automatically from your income and expenses for the period. We file it directly with the AEAT, no need to log into their site.

Automatic OCR

Expenses by photo via email

Forward the supplier's invoice to your company's inbox. Cofactu extracts the amount, VAT and description with OCR and adds it to your expense record. No typing required.

Included in the 15 €/mo plan

Accounting and VAT ledger

Register of issued and received invoices per the regulation. Automatic entries in the general ledger. Balance sheet and P&L available anytime.

1-click ZIP export

No lock-in, no minimum term

Your data is yours. Export a ZIP with all your invoices (PDF + signed XML), clients and audit log whenever you want, at no extra cost. Price frozen for 24 months from your signup.

July 2027 · RD 254/2025

In July 2027 your invoicing software must be VeriFactu

If you don't comply, the penalty can reach €50,000/year (art. 201 bis LGT). Cofactu already complies today with RD 1007/2023 and Orden HAC/1177/2024. Start now and reach the deadline with no rush — for 15 €/mo, no lock-in contract.

Jul 2027

VeriFactu deadline for self-employed under RD 254/2025

50,000 €

maximum annual penalty for non-compliant software (art. 201 bis LGT)

Today

Cofactu already complies with RD 1007/2023 and Orden HAC/1177/2024

Resources for self-employed

What you need to know before the deadline

Frequently asked questions

Frequently asked questions from self-employed

When does VeriFactu become mandatory for me as self-employed?

RD 254/2025 sets the deadline at July 2027 for self-employed. Before that date you can keep using non-VeriFactu software, but from July 2027 your invoicing software must comply with RD 1007/2023. Penalties for non-compliance reach up to €50,000/year under article 201 bis of the LGT. Check the dates guide at /verifactu/fechas.

What about the AEAT's free app? Why not just use that?

The AEAT's free app (Verifactu App) works for very low invoice volumes and without accounting or tax model needs. It doesn't generate ledger entries, doesn't file tax models, has no VAT register, no bank reconciliation and no expense management. If you issue more than 10-15 invoices a month or need to file the 303 or 130, the free app isn't enough. See the comparison at /comparativas/quipu.

Does the 15 €/mo plan include filing tax models?

Yes. The Pro plan (15 €/mo, ~12.50 €/mo billed annually) includes filing Modelo 303 and 130 directly with the AEAT. No extra paid add-ons. Price frozen for 24 months from your signup.

Do I need a digital certificate to use Cofactu?

Yes, you need an FNMT .p12 certificate to file with the AEAT and for VeriFactu submission. If you don't have one yet, we explain how to get it in the /verifactu guide. Once uploaded, it's encrypted in the vault and you won't need to look for it again.

Can I calculate how much I'll pay in self-employed contributions?

Yes. We have a free calculator at /herramientas/calculadora-autonomo that estimates your contribution based on your previous net income. No signup required.

15 €/mo. No lock-in contract. No surprises.

Compliant VeriFactu invoicing + Modelo 303 and 130 + accounting + OCR expenses. The founder replies in under 8h during business hours.