Quipu Reviews 2026: Real Prices, Pros, Cons and Alternatives

An honest analysis of Quipu in 2026, with the official prices verified on getquipu.com in June 2026. You will see the three plans and their real cost with VAT, what it genuinely does well, where it falls short according to its 280-plus Trustpilot reviews and a transparent comparison with three alternatives by profile.

Quipu has been on the Spanish market for more than 10 years. Founded in Barcelona in 2012 and acquired by the Italian group TeamSystem, it has surpassed 100,000 customers and 20,000 active users every day. It is one of the most searched-for invoicing tools among freelancers (autónomos) in Spain. Its proposition: a polished tool with a powerful expense OCR, automatic bank reconciliation and a network of more than 1,000 partner accounting firms. Here is the unfiltered analysis.

What Quipu is and who it is for

Quipu is cloud invoicing, accounting and treasury software, built for freelancers, micro-businesses and accounting firms. It lets you issue invoices and quotes, upload expenses by OCR (a photo of the receipt with automatic reading), reconcile bank movements with your invoices, generate and file the usual tax forms (303, 130, 390, 347) and connect with a network of more than 1,000 partner firms. It has complied with Verifactu since the fourth quarter of 2024.

It is a mature, polished solution. It is neither the cheapest nor the most complete, but it holds a solid middle ground. The profile that benefits most, according to the reviews and real user data, is the urban service freelancer aged 28 to 45, with digital invoicing (consulting, freelance work, design, marketing, photography), a volume of 20 to 80 invoices a month and typical income between €2,000 and €15,000 a month. If your business fits there, Quipu is a competent option. If you fall outside it (very high volume, complex e-commerce, a team of employees, a physical shop with stock), there are probably options that fit better.

How much does Quipu cost in 2026?

Quipu has three main plans, billable monthly or annually. These are the official prices excluding VAT, verified on getquipu.com in June 2026:

Prices excl. VAT verified on getquipu.com in June 2026. The Solution plan drops to €25/mo on annual billing. Quipu usually offers discount promotions during the first months; it pays to work out the real cost once the promotion ends. There is no permanent free plan, only a trial.

One detail almost no comparison mentions: the discount promotion during the first months looks bigger than it is in annual terms. If you sign up for the Solution plan with a 50% promo for 3 months, in the first year you only get the discount on a quarter of the period. The jump to standard pricing once the promo ends is one of the points several users flag on Trustpilot as a surprise.

What each plan includes

Starter (€17/mo excl. VAT). The entry plan: Verifactu-compliant invoicing, quotes, basic expense management and the essential tax forms. For freelancers just starting out who need to comply with the anti-fraud law without complications.

Solution (€30/mo excl. VAT, €25 on annual billing, the best seller). The plan Quipu positions for the active freelancer. It adds full expense OCR, automatic bank reconciliation, tax-form filing and the connection with your partner firm. This is where the bulk of the product's value sits.

Premium (€59/mo excl. VAT). For freelancers with more volume or a need for treasury control: advanced reports, cash-flow forecasting and additional tax forms. The natural step up when the business grows or your tax situation gets more complex.

The real annualized price with VAT

The website prices exclude VAT. To know what you really pay, you have to add the 21% and project it over a full year. This is the real annual cost of each plan, on standard monthly billing:

21% VAT included on the standard monthly prices. The Solution plan drops to €25/mo (€30.25 incl. VAT, €363/yr) on annual billing. The first-months promotion lowers the cost of the first year, but from the second year you pay the full standard price.

The Solution plan, the best seller, works out to €435.60/yr incl. VAT on standard monthly billing, or €363/yr if you pay annually. For comparison, Facturaz costs €24/mo (€240/yr excl. VAT with 2 months free on annual billing, €290.40 incl. VAT) and includes a proactive AI Coach that most competitors do not have. The difference is not just price, it is what each tool does for you. We break it down below.

Quick comparison with alternatives

Here is how Quipu compares with three relevant alternatives for freelancers. To keep it fair, for each tool we use the plan recommended for a freelancer, on annual billing.

Prices verified in June 2026 on the official websites. Anfix and Contasimple add VAT separately. Each tool has a different ideal profile.

Quipu's real strengths

What Quipu does well, according to verified reviews on Trustpilot, Capterra and Software Advice.

• Polished interface and short learning curve. It is one of the easiest tools to learn in its category. Capterra gives it 4.6/5 for ease of use.
• Powerful expense OCR. Snap a photo of the receipt or forward the supplier's email and the OCR extracts amount, date, VAT and supplier. It works well under normal conditions.
• Automatic bank reconciliation. PSD2 connection with Spanish banks. The system learns recurring movement patterns and improves with use.
• All-in-one solution. Invoicing, expenses, taxes and treasury on a single platform. It cuts the cost of jumping between tools.
• Network of more than 1,000 partner firms. If you work with an accountant who is in the network, the real-time collaboration is smooth.
• Mature product. More than 10 years on the market, 100,000-plus customers and the backing of the TeamSystem group.

Quipu's weaknesses

What the verified reviews reveal as consistent weak points.

• Limited quote templates. Advanced customization (multiple logos, custom sections, bespoke templates) is restricted. Several users mention it on Capterra.
• Integrations that fail. Connections with Zapier, WooCommerce and intra-EU VAT handling have problem reports. It is not a total failure, but it requires careful setup.
• Slow OCR during tax season. Quipu adds human validation to the OCR to improve reliability. The consequence: at quarter-end close, expenses take longer to process.
• Genius AI is reactive, not proactive. It responds when you ask. It does not analyze your business or warn you about problems before they happen. It is categorization plus chat, not anticipatory intelligence.
• Mobile app described as basic. Several Trustpilot users describe it as "too basic" or useful only for scanning receipts. The mobile experience is not comparable to the web.
• Some tax forms require a higher plan. If you need form 349 (intra-EU) or 111 (withholdings), check that your plan covers them before signing up.

What users say

The pattern in the criticism is not random. It concentrates on three areas: customization of quote templates, specific integrations (Zapier, WooCommerce, intra-EU VAT) and support in complex cases. If your business is standard, the positive reviews reflect your likely experience. If your setup requires advanced integrations, check these points before signing up.

What is NOT included

These are the costs and limits worth being clear about before signing up.

• Advanced tax forms. Some forms are reserved for higher plans. If you need form 349 or 111, confirm your plan includes them.
• The price jump after the promotion. The first-months discount does not last. From the second year you pay the full standard price (€30/mo for the Solution plan, €36.30 incl. VAT).
• Permanent free plan. Quipu has no lifetime free plan, only a trial. If you need a real free plan, Contasimple has a limited one and Facturaz is free until your first invoice.
• Advanced template customization. Custom design of quotes and invoices is limited on the standard plans.

Commitment and cancellation

Quipu has no mandatory commitment. You can cancel month to month from your user panel. Some users mention that the cancellation process has a bit of friction (it must be done from the panel, not by a simple email), but there is no financial penalty. If you sign up for annual billing with a discount, bear in mind that you may not recover the pro-rata portion if you cancel before the 12 months are up.

Who Quipu is worth it for

Quipu fits especially well for these profiles:

• Urban service freelancers aged 28 to 45, with digital invoicing (consulting, freelance work, design, marketing, photography).
• Volume of 20 to 80 invoices a month, with income between €2,000 and €15,000 a month.
• Freelancers who work with an external accounting firm that is in Quipu's partner network. The real-time collaboration is one of the product's strongest points.
• Standard businesses without special complexities, where a polished interface plus OCR plus bank reconciliation covers almost all needs.
• Those who value a mature solution with more than 10 years on the market and the backing of an international group.

Who Quipu is NOT worth it for

Quipu is not the optimal choice if your profile is away from its core proposition:

• You are an SME with a team of 5 or more employees, physical inventory or complex e-commerce. Here Holded fits better thanks to its full ERP capability.
• Your budget is very tight and you only invoice 1-10 times a month. Contasimple, from €10.95/mo (with a limited free plan), complies for less.
• You need advanced integrations with Zapier, WooCommerce or complex intra-EU VAT. The reviews report recurring problems in these cases.
• You want to reduce dependence on your accountant or do without one. Quipu is optimized to collaborate with the firm, not to replace it.
• You want an AI that anticipates tax problems instead of an assistant that only answers when you ask. Here Facturaz goes two steps further.

Alternatives by profile

Three options that cover the profiles where Quipu is not the optimal choice.

Anfix, for freelancers who work with an accounting firm

Anfix, from €3.99/mo on the Básico plan, with the Avanzado (€9.99/mo on annual billing) as the most popular among freelancers. What Quipu does with its partner network, Anfix turns into its core value proposition and it is one of the few cloud tools certified for TicketBAI across the three Basque foral territories. Choose it over Quipu if your accountant already works with Anfix or if you operate in the Basque Country. In exchange, its model assumes you keep an external accounting firm.

Contasimple, for freelancers on a very tight budget

Contasimple, with a real lifetime free plan (limited to 12 documents a year) and paid plans from €10.95/mo on annual billing (€12.95 monthly, excl. VAT). Acquired by Cegid, it is the tool for freelancers on a very tight budget. Choose it over Quipu if you invoice fewer than 10 times a month and only need to comply with Verifactu without paying for features you do not use. It pays to read the reviews from the last 12 months before signing up for an annual plan, since after the acquisition several users report degraded support and price increases.

Facturaz, for freelancers and SMEs 0-10 who want proactive AI

Facturaz, free until your first invoice and €24/mo after that. Here is the difference with Quipu, without makeup. Quipu has an AI assistant called Genius AI: it categorizes your invoices and answers basic questions. It is reactive, you ask and it answers. Facturaz is built AI-native from day one, it is not an AI layer on top of a classic invoicing database. It is an AI Coach that analyzes patterns in your business, anticipates tax problems weeks before they happen and acts on the data without you having to ask.

Quipu shows you the past. Facturaz warns you about the future. Your VAT next quarter is going to rise 30% because of unusual billing in March. Facturaz knows it today and warns you with two weeks to spare. Quipu will show it to you in July, when you click on the quarterly form 303.

The other contrast that matters: zero accounting knowledge. Quipu is easy to learn, but it is still software you operate. Facturaz starts from another premise. You do not need to know what a form 303 is, or which box the input VAT goes in, or how simplified direct estimation works. You invoice, Facturaz does the accounting, prepares the forms and files them with the tax authority after your confirmation. If you have a question, the AI chat answers 24/7 without accounting jargon.

And full automation. You forward your supplier's invoice to Facturaz by email. The AI reads it, categorizes it, records it in the accounts, calculates the deductible VAT and includes it in your next form 303. You approve, Facturaz does.

The price calculation:

Prices verified in June 2026. Quipu Solution adds VAT separately. Facturaz's AI Coach spots deductions you overlooked that can pay back the price difference several times a year.

Honest about limitations: Facturaz is a new product (2025), it does not have 10 years of track record like Quipu or a partner-firm network. It only covers common territory (national AEAT), without TicketBAI. It has no advanced inventory module or native app yet (it is on the roadmap). If you value an established brand with thousands of historical reviews or you need foral certification, Quipu or Anfix are still valid options.

Verdict: is Quipu worth the price?

Quipu is not a bad choice. It is the right choice for a specific profile: a service freelancer, aged 28 to 45, digital invoicing, accountant in the partner network, income of €2,000 to €15,000/mo. If you fit, it will work well. If your goal is to reduce dependence on the accountant, anticipate tax problems before they happen or let the platform do the work instead of operating it manually, Facturaz goes further. They do not compete for the same thing: Quipu gives you a polished tool to record, Facturaz gives you an AI Coach that gets ahead.