Excel and statements checked line by line
Every month: open the statement, find the rent, tick it off in the sheet. With five flats it takes an hour, with twenty an afternoon.
A missed shortfall then means digging back through months of statements.
For landlords with a single flat or a whole portfolio
Know who paid the rent. And what you'll owe in tax.
Leases, tenants, bank payments and mortgages in one set of records. Lumezzo keeps your income tax calculated from them and prepares the return for you to submit.
First 30 days with Portfolio features. No credit card.
- Rent matched with bank payments.
- Mortgages split by property.
- Income tax as you go, the return ready to submit.
- Utility settlements and property tax deadlines tracked.
Illustrative data
Rent close — October
Paid: 3Partially paid: 1Overdue: 1
- Nádražní 48, Praha 5P. DvořákováCZK 3,900Partially paid
- Masarykova 21, OlomoucL. HorákCZK 14,100Overdue
Outstanding total
CZK 18,000
Financial outlook
Projected equity and cashflow from clients, known invoices, leases, recurring costs, and mortgages.
Net worth
CZK 16,160,000
Property value: CZK 28,500,000
Mortgage debt
CZK 11,200,000
Sale costs: CZK 1,140,000
Current month
CZK 18,200
Average monthly: CZK 12,667
12m outlook
CZK 152,000
Lowest month: -CZK 30,000
The part nobody budgets time for
Every extra flat adds rows to the spreadsheet, statements to check and deadlines. The numbers then meet once a year, under pressure.
You find out late who did not pay
A missing payment or a shortfall shows up only when someone notices — often several weeks later.
You find the shortfall late — and with it the late-payment interest (ČNB repo rate + 8 pp a year) you could have claimed in time.
A mortgage across several flats breaks the spreadsheet
One loan on three flats, a second loan on one of them, a refix at a new rate. Nobody can tell from the sheet any more how much interest belongs to which flat.
After a refix from 2.4 % to 4.6 %, you can't tell which flat still pays off.
Taxes wait until March
Income tax and property tax come up only when the deadline is close — and by then nothing can be done about the amount.
You only learn the amount in March. Repairs that would have lowered it had to be paid by 31 December.
What changes once you switch
Three things stop being your problem. Everything else is just how Lumezzo does it.
Monthly rent close: you know who paid
The rent close shows for each lease what is paid, what is only partly paid and what is overdue.
- Paid, partly paid, overdue
- Alerts for unpaid rent
- Late-payment interest calculated
Payments are matched from the bank
Fio and Creditas connect directly; statements from mBank, Moneta, Česká spořitelna and Raiffeisenbank are forwarded by email. You confirm suggested matches with one click.
- Three months of rent matched within minutes of connecting Fio or Creditas (other banks once you forward their statements by email)
- Rent, utility advances and mortgage instalments
- Read-only bank access
- No manual ticking off in a spreadsheet
You know your taxes before the deadline
Income tax on rent is recalculated with every payment and cost, and property tax deadlines are tracked, so at the deadline you only review and submit your income tax return.
- §9 attachment with interest and depreciation
- Property tax deadlines
- XML validated against the schema
Payment matchingIllustrative data
Everything renting involves, in one set of records
The complete list of what the app does for landlords today. If it is not on the list, it is not built yet.
LeaseIllustrative data
- Rent and bank payment matching
Rent and advance schedules for every lease, bank payments matched to the tenant and a status for every month.
- Late-payment interestfrom Portfolio
For a payment past its due date, late-payment interest is calculated from the days overdue.
- Itemised utility settlementPDF from Portfolio
Advances against actual costs item by item and a PDF settlement ready for the tenant.
- Mortgages across the portfolio
One loan on several properties, several loans on one, refixes and refinancing in one history and interest split by property.
- Property tax
Property tax obligations and deadlines for each property, including the 31 January filing deadline after a change of ownership, filing status and the stored confirmation.
- Income tax return with the §9 attachment
Rental income, costs, depreciation and mortgage interest go into the XML for EPO, validated against the official schema.
- Tenant portalfrom Solo
Tenants see their payments and settlements and send maintenance requests and messages.
- Handover reports with meters and signatures
Meter readings recorded at handover and a report signed by both sides.
- Statutory inspection remindersfrom Portfolio
Statutory inspection dates for each property with a reminder in advance.
- Accountant access — one login for all clients
Invite your accountant as a read-only guest; they download a full-year package or the format they already use, with all their clients under one login.
One mortgage on several flats. Several mortgages on one.
Portfolio financing rarely matches one mortgage per property. Lumezzo keeps the loan and the collateral as separate records, so the numbers hold even when three flats secure one loan or when one flat leaves the collateral on sale.
- Interest split between properties, not estimated. Each instalment is split by the share in force on that day.
- Refixes and refinancing without losing history. A new fixation is a new period on the same loan; refinancing stays linked to the original loan.
- A second loan or top-up on the same property. Each loan has its own rate, fixation and repayment schedule.
- Interest ready for the tax return. By property and by year, exactly as the §9 attachment needs it.
MortgageIllustrative data
We move your Excel over for you
We move your portfolio within 14 days of receiving your Excel. You do not have to retype anything. We take your spreadsheet as it is and move your portfolio into Lumezzo step by step, so at each step you can see the numbers match.
We map your Excel
We go through the structure of your spreadsheet and work out what is a property, lease, tenant, payment and loan.
A few properties first
We move a few properties and check them with you before going further.
Then the whole portfolio
We import the remaining properties including tenants, leases, rent schedules and mortgages.
Your first rent close, together
Once the first month's rent arrives, we go through your first real rent close with you.
If your first rent close after the move does not match, we fix it for free.
We compare it with your original spreadsheet and your bank statements. Whatever does not match, we track down and fix as part of the move.
Arrange the move with us
We agree the scope of the move based on the size of your portfolio and the shape of your spreadsheet.
The migration is included in Portfolio and Business with yearly payment.
The founder does every move personally, so we only take a few each month.
Lumezzo grew out of two tasks I wanted to automate for myself: managing my properties and filling in tax forms. The two go hand in hand, so it made sense to have one app. It also handles what no other app could do back then (and perhaps still can't today): several properties under one mortgage.
Running a business next to your rentals?
Invoicing, VAT and insurance in the same records as your rentals. Rental and business income meet in one tax return.
For sole traders. Lumezzo does not keep accounts for limited companies.
- Invoicing
Invoices, recurring documents and payment tracking.
- VAT
VAT return and control statement, if you are VAT-registered.
- ČSSZ and health insurance
Insurance overviews from the same records.
- One tax return
§7 and §9 attachments in one income tax return.
The files you actually download
Rental income, costs, depreciation and mortgage interest go into the same XML the tax office portal expects. Lumezzo validates it against the official XSD schema and opens it with your numbers already in it. You press submit yourself, because that step is tied to your identity — and the confirmation is stored with the period.
- DPFDP7.xmlIncome tax return with the §9 attachment (and §7 if you run a business)
- DPHDP3.xmlVAT return — if you are VAT-registered
- DPHKH1.xmlVAT control statement — if you are VAT-registered
Validated against the official Financial Administration XSD schemaOverviews for ČSSZ and your health insurer are prepared the same way.
Filing guarantee: if you submit a file from Lumezzo before the deadline and EPO rejects it for a schema error, we fix it and give you 12 months of your plan free. Applies to paid plans, see Section 10.1 of the terms.
Try our free calculators
Get a quick answer before creating an account. Our public calculators are free and require no sign-up.
Rental yield calculatorIs this flat worth renting out? Gross and net rental yield, monthly cashflow and what is left after the mortgage instalment.OpenMortgage calculatorHow much will your mortgage cost? Monthly payment, total interest paid and overpayment.OpenFlat tax calculatorFlat tax or real expenses? Yearly tax, social and health insurance side by side.OpenEmployment + side businessNet salary and the additional tax, social and health insurance when you start a side business.Open
Built for Czech financial administration
Specific integrations and safeguards you can verify before trusting Lumezzo with your data.
Controlled bank access
Fio and Creditas use read-only API access. Other supported banks import statements by email forwarding.
Czech tax rules kept current
Rates, limits and thresholds are maintained for each tax year, so a calculation follows the rules that were in force for that year.
Stronger account protection
Protect sign-in with a passkey or authenticator-app two-factor verification.
Start for free. Pay once Lumezzo starts saving you time.
30 days free with your whole portfolio, no credit card. Then from 50 CZK per property a month.
Free plan
1 property · 3 invoices a month · tax calculations and filing previews. First 30 days with Portfolio features, no credit card.
Portfolio ≈ 50 CZK, Business ≈ 50 CZK per property
With all 20 or 100 properties in use, respectively.
Frequently asked questions
What landlords ask before signing up.
How does bank connection work?
Fio and Creditas connect through read-only API access and new transactions are loaded every hour. Statements from mBank, Moneta, Česká spořitelna and Raiffeisenbank are imported by forwarding them to your dedicated Lumezzo email address. Connected bank accounts are included in plans from Solo.
Does Lumezzo help with the home I live in?
Yes. The home you live in is a property here like any other: record its mortgage and Lumezzo apportions the interest and prepares the deduction for your return, keeps the acquisition price and improvement costs for a later sale, and tracks the residence and holding periods. It counts towards the property limit just like a rented flat.
How do I get my data from Excel into Lumezzo?
You can enter properties, leases, tenants and loans yourself — after signing up you get the Portfolio features free for 30 days to try it. You can also arrange the move with us: we map your spreadsheet, move a few properties first, then the whole portfolio, and check the first rent close together. The founder does every move personally, so we only take a few each month.
I also run a business next to my rentals. Can Lumezzo handle that?
Yes, if you are a sole trader. Invoices, VAT and the ČSSZ and health insurance overviews come from the same records, and business and rental income meet in one tax return with the §7 and §9 attachments. Lumezzo does not keep accounts for limited companies.
Will you file the return for me?
No. Lumezzo fills in the filing, validates it against the official schema and with one button opens it in the EPO portal or hands it to your data box with your data already in it. You submit it yourself, because that step is tied to your identity. The confirmation you get back is stored with the period.
Can my accountant access Lumezzo?
Yes. Invite them as a read-only guest: they see your records, download exports and filing files and add review notes, but change nothing. You get an accountant seat from the Solo plan; a partner accountant's seat is free on every plan, Free included. You can remove their access at any time.
Can I change or cancel my plan?
You can upgrade or downgrade at any time. After cancelling, access stays active until the end of the paid period and the remaining time is not refunded. As a consumer you can withdraw within 14 days of your order and get your money back as set out in the terms. Yearly payment comes with a 60-day money-back guarantee.
How can I protect my account?
You can protect your account with two-factor authentication using a passkey or an authenticator app.
When the deadline comes, have nothing left to catch up on.
Record rent as it comes in — in March you only review and submit.
- First 30 days with Portfolio features. No credit card.
- We move your portfolio within 14 days of receiving your Excel.
- If your first rent close after the move does not match, we fix it for free.