Elba contour or my business. Choosing online accounting. What is Elba and My Business

“My Business” is an online service for doing your own accounting. Each client has free consultations with experts in various fields, individual training, and integration with banks. The company bears financial responsibility.

The service includes tax, personnel and accounting, preparation of primary documents, management of transactions and counterparties.

Documents and transactions in the cloud. Any document can be created and filled out in a few clicks. “My Business” will remind you of the due date of taxes, documents, calculations, as well as calculate taxes and send reports. It is possible to check the counterparty, check with the tax office, and issue an invoice for payment by bank card without connecting acquiring. The service offers more than 10 thousand online forms of contracts and documents, as well as Russian legislation.

Automatic exchange of statements and payment orders between “My Business” and your current account. Business assessment using charts and graphs is also available.

What can you find in the “My Business” system?

• Support for individual entrepreneurs and LLCs.
• Support for simplified taxation system, UTII, PSN, OSNO and trade fee.
• Calculation of taxes and contributions.
• Generation and sending of reports (Federal Tax Service, Social Insurance Fund, Pension Fund of Russia, RosStat).
• Electronic signature in the cloud (ESC).
• Management of accounts, acts, invoices, contracts and counterparties.
• Salary and personnel.
• Exchange data with banks online.
• Consultations from experts in this field.
• More than 20 thousand non-standard forms of documents.
• Warehouse management.
• Employee collaboration with access rights management.
• Business analytics.
• Manage multiple companies in one account.
• Connecting a remote accountant to collaboration.
• SMS notifications.
• Checking counterparties according to state registers and providing ratings.
• Legal reference system.

Kontur.Accounting is an online service for maintaining accounting, calculating salaries and sending reports to the Federal Tax Service, Pension Fund and Social Insurance Fund. The service is suitable for comfortable collaboration between an accountant and a director. He can:

• create primary documents (invoices, acts, invoices and others);
• maintain account cards, a journal of transactions, books of purchases and sales, a journal of invoices;
• automatically calculate salaries, sick leave, vacation pay, deductions;
• generate, check and send reports to regulatory authorities and funds;
• conduct a financial analysis of the company's condition;
• give hints and reminders about paying taxes;
• check with regulatory authorities and show a table of arrears of taxes and contributions.

Additional features:

• verification of counterparties (based on data from the Unified State Register of Legal Entities and the Unified State Register of Individual Entrepreneurs);
• mobile application for iOS and Android;
• sick leave, maternity and vacation pay calculators;
• expert assistance in accounting matters;
• reference and legal base;
• tools for accounting service departments;
• service for registering new LLCs;
• integration with Alfa Bank, Tochka, UBRiR, Neiva, Tinkoff, VUZ Bank;
• invoice recognition;
• electronic document management;
• affiliate program for individuals and legal entities.

Who is suitable for Kontur.Accounting:

• Commercial organizations with up to 100 employees;
• LLC on the simplified tax system, UTII, simplified tax system + UTII, OSNO;
• IP on the simplified tax system, UTII, simplified tax system + UTII;
• Firms without harsh and harmful working conditions.

The service is updated without user participation, and the reporting forms are always correct and comply with legal requirements. If users have questions, they are helped by free 24/7 technical support.

"("Accounting.Contour")? These are the two main players in the market, and in most cases the choice is between them.

"My Business" or "Elba"?

Both online services give users approximately equal opportunities for accounting and reporting. They help calculate tax payments and remind you of the deadlines for completing certain actions. There are various tariff plans to choose from, and discount periods are announced from time to time.

You can find a large number of both positive and negative reviews on the Internet. When relying on the opinions of strangers, you should consider who usually writes reviews.

You can start working in any of these services for free (features may be limited). If you switch to one of the paid tariffs, then after the paid period expires it is not necessary to renew it immediately. You can do this whenever you need it. Both services have been operating since 2009.

Other options

The online accounting service “Sky” is noticeable, which positions itself, in particular, as an accounting service for startups. There is a free plan (it even has the ability to submit reports online). At the end of March 2015, it became known that the Sky service was sold to 1C. The event is assessed positively, and there is reason to believe that working with 1C will give a certain impetus to the development of Neba. In November 2015, the Sky cloud accounting service was integrated with Alfa Business Online, Alfa Bank’s Internet bank - thus, users of one service will have access to the services of another.

Since 2011, Elbe's sister accounting service, Kontur.Bukhgalteriya, has been operating. It is suitable for businesses that need accounting: “Accounting, payroll and reporting in a friendly cloud service.” You can get started for free (within 1-3 months). There is integration with popular banks (Alfa-Bank, VUZ-Bank, Tinkoff, Neiva, Tochka, UBRIR), multi-user mode, verification of counterparties, recognition of scanned documents, round-the-clock technical support.

Financial service for small businesses "Finologist" allows you to maintain management records and analyze company performance. It shows all cash flows and predicts cash gaps. In May 2016, Finolog was connected to the Alfa Bank Internet bank.

Other options worth considering are ImBoss, Assistant Pro.

Some online accounting opportunities are available in the Tochka banking service for entrepreneurs. Income and expense analytics and invoicing are provided. "Tochka" can be integrated with the accounting services "Elba", "Kontur.Accounting", "Moe Delo", "Sky", "1C", "Button". If you have an individual entrepreneur using the simplified tax system and no employees, Tochka itself can submit reports, calculate and prepare tax payments. In May 2016, a service for registering an LLC or individual entrepreneur appeared without visits to the tax and other services; At the same time, a current account is opened.

Is it worth working with online accounting?

It should be taken into account that as the business grows, many people have to switch to 1C and their own accountant. All additional solutions (for example, a warehouse) are traditionally integrated with 1C-Accounting. However, at the stage of business formation, online accounting can allow you to significantly save time and money. If your accounting is relatively simple, then online services will be the best choice.

Arguments for online accounting

• Cheaper than an accountant's services
• There are reminders about the deadlines for the next tax payments and reporting.
• Simple submission of reports electronically
• Errors due to the accountant's carelessness are eliminated

Arguments against online accounting

When starting cooperation with online accounting, you need to understand that the service may someday close. You need to think in advance what you will do in this case, to provide a backup option.

An example is the online accounting “Accounted for” - at this moment the site is unavailable, a short presentation was on the “Zuckerberg will call” resource in August 2014.

Comprehensive services for business support

In November 2015, Sberbank, together with the Knopka cloud service, offered a package of services "

Not every entrepreneur can afford to have an accountant on staff, nor can they afford to pay for expensive accounting software. Thanks to the development of cloud technologies, business owners have the opportunity to conduct accounting independently using special remote online services. Let’s list the main online accounting services currently available to Russian users, compare them and find out which online accounting is better.

I. Sky

This service is designed primarily for small businesses and startups. The system is simple, and even a beginner in accounting can easily understand it. The user is offered two main tariffs - Tandem, costing 500 rubles per month, and Team, costing 3,500 rubles per month. Plus an additional payment in each case for submitting reports to the tax authorities and funds, amounting to 100 rubles for each report.

Users, depending on the chosen tariff, are given different options regarding the number of accounting entries - for Tandem 100 thousand and for Team 1 million annually. At the same time, the same user can maintain accounting for an unlimited number of legal entities.

Reporting is possible in the simplified tax system, OSN and UTII. The function of downloading data from the 1C office program is available. It is possible to download information and generate reports in EXCEL format, as well as in the form of an xml file. It is possible to submit financial statements to the tax office without a personal digital signature through a company that supports the service.

Perhaps the only visible drawback of the service is its lack of promotion, which causes natural mistrust. Among the advantages, we should highlight the availability of SMS notifications about the submission of reports. The state of affairs can be monitored using a special mobile application.

II. My business

This service has been operating for several years and has earned credibility among users. It is designed for businesses of all sizes and provides services for each accounting and reporting system, including submitting reports to the tax office and funds.

There is a database of regulations available, users are provided with all the news regarding the updating of legislation. You can also get advice from tax and accounting specialists through the service.

Among the main advantages of the service, a high level of security should be highlighted: DATA centers are located in Europe, the likelihood of unauthorized access is minimal. Information is backed up four times per hour. Access to accounts is differentiated by level (director, chief accountant). Notifications about submission of reports are carried out via email.

There are 4 types of tariffs available, the monthly payment amount is given in brackets:

• Individual entrepreneur without employees (612 rubles);
• LLC without employees (676 rubles);
• Individual entrepreneur or LLC with employees (1230 rubles);
• Turnkey accounting (from 1000 rubles, depending on the types of additional services).

III. Contour (Elbe)

The system is aimed primarily at small businesses. There are a number of subprograms that provide accounting of varying degrees of complexity. The function of importing data from 1C is available. A characteristic feature is the presence of specialized modules that simplify the accounting of goods, control over their movement and the generation of shipping documentation.

Among the disadvantages of the program is the lack of support for some specialized tasks, such as, for example, accounting for producers of agricultural goods. Among the advantages, it is worth highlighting the low cost of services, as well as free training webinars.

There is a detailed tariff schedule; delivery of reports is included in the price. We list them, indicating the cost per quarter in brackets:

• Luxury (4000 rubles);
• Comfort (3000 rubles);
• Standard (2000 rubles);
• Salary+ (2500 rubles);
• Accounting+ (2000 rubles);
• Salary (1500 rubles);
• Accounting (1000 rubles).

IV. Assistant

The service is aimed at small businesses, a wide range of services is provided, and the presence of hints simplifies working with the system for users who do not have special accounting skills.

It is possible to maintain simple warehouse and financial accounting, control mutual settlements with suppliers and clients, quickly fill out all the necessary forms, automatically compile declarations and accounting books based on previously entered information, and maintain employee records. There are many other features too. For electronic declaration, integration has been carried out with “Workstation Payer”, and to speed up the export-import of documents and payment information - with the “client-bank” systems of leading banks. There is a system of reminders about deadlines for submitting reports, as well as all the necessary information on legislation, and the opportunity to receive advice from specialists is provided.

There are three tariff plans, each of them is aimed at a specific category of service consumers.

“The language of business is its accounting”

(c) Warren Buffett, largest investor

Not every individual entrepreneur will hire an accountant to keep financial records. Many make do on their own. It’s good if you have the energy and time for this. But, unfortunately, this does not always happen. Therefore, from time to time, even completely self-sufficient entrepreneurs turn to professional accountants to solve urgent or complex problems. But, if previously you had to contact companies providing accounting services, go to their office, conclude contracts there, provide all the necessary documents, or take an accountant to your office, or even to your home, if there is no office as such, spend for all this time and effort, now the Internet offers us an excellent, simple, convenient and effective tool for online accounting. At the moment, there are 2 decent online services in the Russian segment of the Internet: “ My Business"(http://moedelo.org/) and “ Elbe"(http://www.e-kontur.ru/).

Let's start with the service online accounting “My Business”. The main feature is its functionality.

First of all, I would like to draw your attention to such a fundamentally important thing as the ease of adding information to the system: receipts, expenses, movements of funds, contracts, accounts and acts are added in a few mouse clicks. It is possible to add actors: suppliers, clients or counterparties.

In addition, with the help of this system, you can keep records of employees. It is also very convenient to see all the actions of your subordinates.

If you need contracts, templates can be downloaded directly from the site. Everything is very simple, you don’t have to worry about drawing up any kind of agreement - download the template, fill it out and upload it back.

The service has such a useful thing as a tax calendar. It is placed directly on the main page and constantly reminds you of your affairs, payment of your taxes and other obligatory payments.

And lastly, the service provides the ability to provide consulting accounting services via hotline or online.

Now let's move on to the disadvantages. The first and most important is cost. It is an order of magnitude higher than the maximum tariff offered by competitors (see table below).

The second drawback is that in order to fill out contract templates, you must first download them to your computer, fill them out manually, and then transfer them back to the system. Too many unnecessary steps.

The third drawback is that there is no completed demo version, there is only a free period of use.

Now let's consider online accounting service - “Elba”. This service has many advantages.

Firstly, a schedule of movement of fixed assets, a calendar and recently created documents are displayed on the main page.

Secondly, creating and editing documents using templates is possible online.

Thirdly, in the “Question to an accountant” tab, you can ask an accountant a question online and receive an answer within 24 hours, absolutely free of charge.

Fourthly, on the website you can watch a working demo version, where all functions of the system are fully available.

And finally, all actions that you can perform in the Elba electronic accountant are accompanied by training videos. This is another plus for Elba.

By the way, behind “Elba” is the fairly well-known PF SKB Kontur. This guarantees that the service will continue to develop quickly and interestingly.

“Elba” also has disadvantages: the status of your main account is not shown anywhere, for reports to the Pension Fund and the Social Insurance Fund you need to pay an additional 3,000 rubles a year, if, of course, you need it.

Compare the pros and cons of two online accounting departments in the table:

Summarize. Considering that the services are functionally approximately equal, preference should be given to the one that is more convenient to work with and whose tariffs are cheaper. “Elba” has a maximum tariff of 500 rubles per month, “Moe Delo” requires 1,230 rubles per month. In this regard, “Elba”, of course, is much more profitable. As for simplicity and ease of use, in this regard I personally prefer to use Elba. It seems to me that her system is simpler, and it is more convenient for me to work with documents there. Plus, I often have questions for accountants, which I resolve through the online service. All this costs me 6,000 rubles a year.

At the same time, several of my friends prefer to use the “My Business” service, citing the fact that it is more convenient to work in it than in “Elbe”. They believe that it is much easier to take into account expenses and income in this service, thanks to working with counterparties, and it is also easier to withdraw contracts from the program and print them out.

Navigation

● Part 1. Online accounting

● Part 2. Business managers

● Part 3. Legal services

Have you opened your own startup or do you already have one? Most likely, you do not do your accounting on your knees, but use modern solutions or use the services of a remote accountant. In any case, whether you are an LLC or an individual entrepreneur, and regardless of whether you have sales or not, reports must be submitted on time. There are several ways: in person, by mail, but the most advanced method is electronic reporting. These reports need to be generated. If you don’t have money for an accountant or you want to do everything yourself, then online accounting services come to the rescue. What they are and how they help in running a business will be discussed in this review. I’ll say right away that at one time we worked with all these systems, so we know the inside firsthand.

We will look at the most advanced services for accounting and submitting the necessary reports to the tax authorities and funds.

"My business" (moedlo. org) - the most famous service for small businesses, suitable for a startup at the very initial stage after registering a company. The service helps prepare and submit reports electronically to the Federal Tax Service and various funds. There are several tariff plans depending on your tax system, type of ownership and number of employees. The minimum tariff is “Individual entrepreneur without employees” and 333 rubles. per month. If you are an individual entrepreneur or LLC, and you have officially registered employees (this could be your friend who officially works for you), then you should definitely take the “USN + UTII up to 5 employees” tariff plan. The cost per month is 1222 rubles. and you need to pay immediately for 12 months, i.e. 14664 rub. in year. The entrepreneur himself will have to understand how the interface works; this also applies to the other services listed below. A test mode is available - 3 calendar days, which is not very much. But during this period, you can only study how the system works internally, but you will not be able to submit reports in this mode, only on a paid basis.

The service's technical support responds within 1 day to any question related to accounting; the number of consultations is unlimited.

Main functions of the “My Business” service:

Calculation of taxes and contributions;

Generating and sending reports;

Formation of invoices, acts, invoices;

Calculation of salaries and taxes for employees;

Online data exchange with banks;

Inventory control;

Formation of documents using templates;

Checking counterparties;

Expert consultations.

Pros of using “My Business”: inexpensive service, especially for individual entrepreneurs without employees; if you have a “standard business” such as a cafe, beauty salon or cargo transportation company, with a small number of transactions per month, then the service is suitable; unlimited consultations and relatively fast technical support; a lot of videos on accounting.

The main disadvantages of “My Business”: there is no general taxation system (OSNO), which applies if you work in the B2B segment and your counterparty requires VAT; you need to pay for an annual subscription immediately; very short test period (3 days) to get used to the service.

Verdict: if you are just starting your entrepreneurial journey and your turnover is up to 0.5-1 million, if you are an individual entrepreneur without employees or you use the simplified tax system of 6% or 15%, then the “My Business” service can help you resolve a number of issues regarding accounting department

"Elba" (e- contour. ru) – the service, like “My Business,” allows you to submit reports for the simplified tax system and UTII to the Federal Tax Service and the necessary funds. OSNO is also missing in it. Intuitively, the service is a little more convenient than “My Business,” but this is only a subjective opinion. There are 3 tariff plans: “Economy”, “Business” and “Premium”. If you are an LLC or individual entrepreneur with officially registered employees, then only the Premium tariff plan is suitable for you, which allows you to submit reports to all authorities. The cost of the tariff is 2500 rubles. per quarter, if you pay 10,000 rubles. for a year in advance and 833 rubles. per month. The test period of the service is 30 calendar days, which is good news, because when you get used to it and “get into the swing of things,” approximately the same amount of time will pass.

The main functions of the Elba service are the same as those of My Business. I think we won’t list them, because... everything related to taxes, charges and reports is standard in such services.

Advantages of using "Elba": inexpensive price for service; user-friendly interface; long trial period of 30 days; availability of cash accounting; availability of legal advice. An additional plus: a reminder via SMS and email that you need to submit reports or pay taxes. The feature is convenient, because in practice, 30% of entrepreneurs submit reports on time.

Disadvantages of using Elba: There is no general taxation system.

Verdict: a convenient interface and inexpensive price put it on par with “My Business”. If you have a small business, then “Elba”, just like “My Business”, will suit you.

"Sky" (skypro. ru) – another service for small businesses. There are 2 tariff plans: “Reporting only” and “Premium”. With the first tariff, you can simply generate and send reports to the Federal Tax Service, the Pension Fund of the Russian Federation, the Social Insurance Fund and Rosstat, there is no subscription fee, and each report, depending on the region, costs from 100 to 170 rubles. The tariff is intended for beginners. The second tariff plan, for more experienced entrepreneurs, allows you to conduct accounting on your own, each report also costs from 100 to 170 rubles, and there is a subscription fee of 500 rubles. per month. In both cases, an electronic signature (ES) is additionally paid - 2000 rubles. for Moscow and Moscow Region. With such numbers, it is easy to get confused about the ultimate benefit for a businessman.

Let's calculate how much it will cost you to submit reports and do accounting if you have an LLC using the simplified tax system and a staff of up to 5 employees. At the end of the year, you must submit accounting and tax reports, and during quarter 2 reports - to the Pension Fund and the Social Insurance Fund for employees. In Moscow or Moscow Region, the cost of a report to Nebo costs 170 rubles. For sending reports per quarter 170*2 = 340 rubles. There is also a monthly subscription fee of 1,450 rubles. Total, 1450 + 340 = 1790 rubles. per quarter or 7160 rubles. in a year. Tax and accounting reports at the end of the year will cost 170 * 5 = 850 rubles (which are 5 reports: average headcount, 2-nfdl, declaration according to the simplified tax system, accounting reports and a copy of the accounting report to Rosstat). Plus we’ll add the cost of the electronic signature; in Moscow and Moscow Region it will cost 2,000 rubles. per year, in total we get 7160+850+2000 = 10010 rubles. for a year or about 834 rubles. per month.

Pros of using "Sky": low price for an established business (the price is almost the same as Elba), there is an OSNO, there is an in-house accounting service.

Disadvantages of using "Sky": short test period of 14 days; can provide only 2 consultations per month for free, and new ones already cost 500 rubles. and higher; The interface is not intuitive, but you can figure it out if you want.

Verdict: It’s worth using if you have OSNO, and if you are more savvy in accounting and don’t have any unnecessary questions.

Today on the market there are many different services for accounting, preparation and submission of reports. There are many we haven't mentioned. Perhaps, if we continue the list, it will also include: “My Finance”, “ServiceCloud”, “Big Bird”, “ImBoss”, etc. But let’s briefly talk about the case if you do not want to delve into all the subtleties and nuances, you don't have the desire or time to study accounting.

Mini Button (mini.knopka.com)– not the cheapest accounting for those who have just started their startup. Firstly, the service is designed for businesses with a turnover of up to 500 thousand rubles. per month, if you exceed this limit, then the price tag of a simple “Button” will apply. Secondly, the cost of monthly accounting services is 8,000 rubles. per month, while you do all the bills, acts, invoices yourself, and “Mini.Knopka” generates reports for you and submits them. This turns out to be 24,000 rubles per quarter. It must be said that this amount does not include full accounting, but partial. Those. you will have to provide scans of documents, and the accountant will independently generate reports.

Pros of using the “Mini Button”: unlimited consultations, all the main functions of a remote accountant, i.e. A remote person does the work for you, but at the same time you need to collect documents for him yourself.

Disadvantages of using the Mini Button: expensive for beginners; no BASIC; servicing a current account in Alfa Bank or Tochka Bank, i.e. if you have an account with another bank, it will need to be transferred.

Verdict: 24,000 rub. Not every beginner can afford it per quarter, so if you are just starting out, then this solution is not entirely suitable for you.

Remote accountant- as a rule, by contacting an accounting firm or a private accountant, you relieve yourself of the headache of bookkeeping and reporting. There are several nuances here. There are a lot of offers on the market, and therefore it is very difficult to choose. Firstly, you risk running into an unscrupulous accountant who can screw you over both deadlines and the work itself. Secondly, you need to know how your accountant will submit reports and within what time frame. Fines for late payments are high today. Thirdly, it is necessary to clearly define the limit of liability and, if possible, stipulate this in the contract for accounting services.

I think we will look at all the main points about how to choose an accountant in the next article. Stay with us! To be continued:)

Write in the comments how you do your accounting.