Lumezzo
For Czech contractors and property owners

Czech taxes, rentals and mortgages calculated together

Connect business income, rental property, mortgages and household tax decisions—from bank transactions to ready-to-submit Czech filings.

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Free plan available — no credit card required

  • Matches invoices, expenses, rent and mortgages
  • One record feeds VAT, income tax, ČSSZ and health insurance
  • Optimizes mortgage interest and SJM across spouses
Lumezzo dashboard showing invoices, financial health and financial outlook

From bank transaction to Czech filing

The same underlying records drive cashflow, VAT, annual tax and property performance without rebuilding the numbers in separate tools.

  1. Record each event once

    Create invoices, record costs and bring in rent, mortgages and bank transactions.

  2. Review what Lumezzo prepared

    Confirm suggested payment matches and review the obligations calculated from the same records.

  3. Download ready-to-submit files

    Generate XML files ready to submit through the tax office, ČSSZ and health insurer portals.

One app, two clear paths

Choose the situation closest to yours. Lumezzo remains one product while showing the most relevant benefits first.

For contractors

From invoice to filing without re-entering data

Keep income and expenses current throughout the year. Lumezzo turns them into a clear tax view and prepares XML files you submit through the authority portals.

  • Recurring invoices, quotes, proformas, expenses and VAT in one monthly view
  • Payment matching and control of unpaid invoices
  • XML filings and a comparison of the most cost-effective tax regime

How your journey works

  1. 01Capture documentsIssue an invoice, schedule a recurring one or upload a receipt.
  2. 02Confirm paymentsLumezzo suggests matches from imported bank transactions.
  3. 03Download filingsThe resulting XML is ready to submit through the authority portal.
Automated invoicing & VATExpenses connected to taxTaxes & depreciationTax and side-business simulator
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Enter it once. Use it everywhere.

Business, property, mortgages and household tax decisions use the same source records instead of separate spreadsheets.

Taxes & depreciation

Prepare income tax, health and social filings as upload-ready XML, and track annual tax depreciation for §7 and §9 assets.

Automated invoicing & VAT

Schedule recurring invoices and handle quotes, proformas, advance-payment, settlement and corrective documents — from email delivery and payment tracking through VAT and annual tax.

Expenses connected to tax

Keep receipts, deductible costs and VAT evidence connected to the records used in monthly and yearly reports.

Mortgages & net worth

Follow balances, fixed-rate periods, principal and interest, early repayments and refinancing alongside each property.

Rentals & tenant portal

Manage leases, tenants, rent and reminders, then give tenants a portal for payments, utility settlements, maintenance requests and messages.

Financial what-if lab

Project cashflow for the next 12 months and test a rent change, a pause in business income or another mortgage.

Bank payment matching

Connect Fio, Creditas, mBank, Moneta, Česká spořitelna or Raiffeisenbank and get one-click suggested matches for rent, invoices, expenses and mortgage payments.

Tax and side-business simulator

Compare tax regimes or estimate how employment plus a new side business changes your tax and insurance.

Household tax optimizer

Compare where mortgage interest brings the household the greatest benefit and assign SJM rental income between spouses.

Try our free calculators

Get a quick answer before creating an account. Our public calculators are free and require no sign-up.

Employment + side-business calculator

Calculate Czech net salary and see the additional income tax, social security and health insurance from starting a side business while employed.

Flat tax calculator

Flat tax (paušální daň) or real expenses? Compare yearly tax, social and health insurance side by side — free calculator for Czech freelancers.

Mortgage calculator

How much will your mortgage cost? Monthly payment, total paid and overpayment — free Czech mortgage calculator.

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Built for Czech financial administration

Specific integrations and safeguards you can verify before trusting Lumezzo with your workflow.

Controlled bank access

Fio and Creditas use read-only API access. Other supported banks import statements by email forwarding.

Czech authority formats

Generate XML files for income tax, VAT, ČSSZ and health insurance workflows.

Stronger account protection

Protect sign-in with a passkey or authenticator-app two-factor verification.

Fair pricing

Transparent plans that scale with your portfolio. Start free — no card needed.

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Frequently asked questions

Practical answers about reports, bank access, plans and account protection.

How does bank connection work?

Fio and Creditas connect through read-only API access. Other supported banks can import statements by forwarding them to your dedicated Lumezzo email address.

Does Lumezzo submit reports automatically?

Lumezzo prepares XML files for the relevant authority portals. You review, download and submit them yourself; direct automatic submission is not currently available.

How can I protect my account?

You can protect your account with two-factor authentication using a passkey or an authenticator app.

Is Lumezzo for contractors or landlords?

Both. Lumezzo combines business invoices and expenses with rental income and keeps the tax treatment of long-term leases and short-stay income clear.

Can I change or cancel my plan?

You can upgrade or downgrade at any time. If you cancel a paid subscription, access continues until the end of the current billing period.

Ready to calculate the whole picture?

Start free and bring business income, rental property and Czech tax obligations into one financial view.

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