Starting out & self-employment
Sole proprietorship or LLC: which is right for you?
Sole proprietorship vs. GmbH in Switzerland — compare liability, taxes, social security, and setup costs to make the right choice for your business.
CHF 0QR invoices free, even without a subscription
Bookkeeping for the self-employed in Switzerland
From QR‑bill to annual financial statement
The name comes from the Milchbüechli — the Swiss German term for a simple ledger: income minus expenses, done. MILQ guides you through the entire year — invoicing, VAT returns, year-end. No chart of accounts, no accountant, no accounting degree required.
- CHF 8 a month, everything included
- 30 days free, no credit card
- Data stored in Switzerland
All included
What MILQ does
No modules, no surcharges — every feature is part of the one price.
AI receipt reading
Upload a photo or PDF — MILQ reads amount, date and category and proposes the entry.
Income and expenses
Amount, date, category, receipt — done. No chart of accounts, no debit and credit.
Swiss QR-bill
Invoice with payment part and QR reference, partial payments included. Income is booked when the payment arrives.
Learn moreQuotes and credit notes
Write a quote, convert it to an invoice in one click. Reverse paid invoices with a credit note — VAT-correct.
Learn moreE-mail delivery and reminders
Send invoices straight from MILQ, in your customer’s language. Chase overdue ones — first gently, then formally.
Learn moreTime tracking
Log hours per customer and put selected entries on an invoice with one click.
Learn moreForeign currencies
Enter EUR, USD or GBP — MILQ applies the official FTA daily rate and books in francs.
VAT like the official form
Net tax rate or effective method — the figures appear in the same layout as the official form.
Year-end in one click
Income statement, journal and receipt archive as PDF and CSV — ready for the tax return or your accountant.
Multiple users and companies
Invite team members or your accountant, assign roles, run several companies from one login.
Learn moreFour languages
App and year-end in German, French, English or Spanish — invoice language is chosen per customer.
Invoices in your own design
Logo, font, accent colour, footer — with live preview, applied to invoices, quotes and credit notes.
Learn more
Your year
Four steps, one year
Record, bill, file, close — a sole proprietorship needs no more bookkeeping than that.
- 1
Record income and expenses
Upload the receipt, MILQ reads amount, date and category — you check and save. In EUR, USD or GBP too: the official FTA daily rate is already filled in.
- 2
Send quotes and invoices
Customers and hourly rates are ready to pick. One click turns the quote into an invoice that goes out by e-mail — with a Swiss QR payment part. If someone doesn’t pay, you send a reminder with a click.
- 3
File your VAT
MILQ extracts the tax from every entry and shows the figures in the same layout as the official FTA form — net tax rate or effective method.
- 4
Generate the year-end
One click for the income statement, one for the complete journal, one for the receipt archive. Ready for the tax return — or for the accountant you invite directly.
Why MILQ
Built for simple bookkeeping — not a stripped-down SME suite
No prior knowledge needed
If you can keep a spreadsheet, you can use MILQ. Income-expense accounting under Art. 957 of the Swiss Code of Obligations is deliberately not double-entry.
From Switzerland, for Switzerland
Developed and run in Basel, servers at Infomaniak in Geneva. Plus everything Swiss bookkeeping needs: QR-bill, net tax rate, FTA form and daily exchange rates, cantonal tax categories, record-keeping compliant with Swiss law.
Your data is yours
Fully exportable at any time as PDF, CSV and receipt archive — even after cancelling.
One price, every feature
CHF 8 a month. No tiers, no add-on modules, no surcharge per user or company.
One price
Everything in, nothing extra
No tiers by number of entries, no add-on modules, no per-user surcharge. What MILQ can do, you can do.
CHF 8a month
or CHF 84 a year — equals CHF 7.00 a month
Try 30 days freePrices incl. VAT · cancel monthly
After the trial: QR invoices free, even without a subscription
Free version
CHF 0QR invoices stay free
After the 30-day trial you don’t have to pay to keep sending invoices. The free version has no expiry date and no volume limit.
You start with 30 days of full access, no credit card.
Free, with no time limit
- Create, issue and cancel QR invoices
- Download as PDF with the Swiss QR payment part
- Customers, company details, IBAN and logo
- Read and export all your data
With a subscription, CHF 8 a month
- Invoices by email, reminders and dunning
- Record payments, receipts and journal
- Quotes, recurring invoices and time tracking
- VAT return and year-end closing
New in MILQ
All updates →Discounts on invoices and quotes
A negative amount in the price field makes a discount line — for example “Discount for booking two courses” at −100.00. The deduction shows on the PDF, and total and VAT work out automatically.
Two-factor sign-in
Add extra protection to your account: even someone who knows your password can’t get in without the second factor. Choose between a code from an authenticator app such as Google Authenticator, 1Password or Bitwarden and a code by e-mail. Ten backup codes help if your phone goes missing, and trusted devices won’t ask again for 30 days. Optional — nothing changes until you turn it on.
Recurring invoices
Hosting, maintenance, retainers: set up an invoice once as a series — monthly, quarterly, half-yearly or yearly — and MILQ creates it on the due date by itself. If you like, it is issued straight away and e-mailed with the QR bill; otherwise it waits as a draft for you to review, and you get a message. Placeholders such as {monat} fill in the period automatically, and any existing invoice can be made recurring with one click.
Knowledge
Understand bookkeeping, don’t just do it
24 articles on VAT, starting out and year-end — written for people who never studied accounting.
Special cases
Bookkeeping for associations: simple or double-entry?
Which accounting rules apply to Swiss associations? Revenue threshold, legal form, and practical implementation — with clarity on when simple bookkeeping is sufficient.
VAT
VAT-exempt vs. zero-rated: the difference
Exempt from VAT or excluded from VAT — two terms that sound similar but have very different consequences for your Swiss sole proprietorship. Learn what applies to your industry.
MILQ at a glance
- For
- Swiss sole proprietors and freelancers below CHF 500'000.– revenue — alone, with a team or with an accountant
- Method
- Single-entry bookkeeping (income and expenses), no chart of accounts
- Price
- CHF 8 / month or CHF 84 / year incl. VAT — every feature, unlimited users and companies. QR invoices free even without a subscription
- Features
- AI receipt reading, Swiss QR-bill, quotes, reminders, time tracking, foreign currencies, VAT (net tax rate or effective), year-end
- Languages
- German, French, English, Spanish
- Origin
- Built in Basel, servers at Infomaniak in Geneva
- Not for
- GmbH and AG, payroll, valued inventory
Try 30 days without committing to anything
With your own numbers. Afterwards, continue with a subscription — or for free with QR invoices.
No credit card, no automatic renewal.