Samanburður
⚖️Fustle vs endurskoðandi — hvort sparar meira?
Endurskoðandi kostar 30.000–80.000 ISK á mánuði og gerir ekki allt. Fustle kostar að hámarki 16.900 ISK/mán og gerir meira.
Gera sjálfur/sjálf
- Monthly cost
- 0 ISK
- Time spent
- 8–12 h/month
- Risk of mistakes
- High
Endurskoðandi / bókari
- Monthly cost
- ≈ 30,000–80,000 ISK
- Time spent
- 4–8 h/month
- Risk of mistakes
- Medium
Fustle
- Monthly cost
- ≤ 16,900 ISK/month
- Time spent
- 0 h
- Risk of mistakes
- Low ✅
Hvað gerir endurskoðandi eiginlega?
Endurskoðandi sér um bókhald og skattskil — en þú gefur enn upp gögn og greiðir lífeyrir sjálf/ur.
- Mánaðarlegar skattskil (þegar þú gefur upp gögn)
- VSK skýrslur á 2 mánaða fresti
- Skattframtal (RSK 4.11 + RSK 3.01)
- Bókhald og fjárhagsskýrslur
- Kostnaðarfrádráttur ráðgjöf
Hvað endurskoðandi gerir EKKI
Þetta þarftu enn að sjá um sjálf/ur — eða Fustle sér um sjálfkrafa.
- Greiðir lífeyrissjóðsiðgjald (þú greiðir sjálf/ur)
- Gefur þér sama-dags útgreiðslu
- Búa til reikninga fyrir þig
- Fylgist með útgjöldum sjálfkrafa
- Sér um allt — þú þarft enn að gefa upp gögn
Detailed comparison
| Feature | Accountant | Fustle |
|---|---|---|
| Monthly cost | 30,000–80,000 ISK | Max 16,900 ISK |
| Your time required | 4–8 h/month (provide data) | 0 h |
| Invoice creation | You do it | Simple form — 30 seconds |
| Pension payments | You pay yourself | Automatic |
| Same-day payout | No | Yes |
| Tax filing | Yes (when you provide data) | Automatic |
| Financial reports (P&L, balance sheet) | Yes | Not needed for solo contractors |
Who is it for?
Choose the right solution
When you still need an accountant
- ✕You run an ehf. with employees — then you need full bookkeeping
- ✕You need detailed financial reports (income statement, balance sheet)
- ✕You have complex tax situations (foreign income, assets)
- ✕Skatturinn has opened a tax investigation on you
- ✕You want specialized tax planning advice
When Fustle is the better choice
- ✓You are a solo contractor invoicing clients
- ✓You want zero admin and same-day payouts
- ✓You want pension and taxes handled automatically
- ✓You want to save 13,100–63,100 ISK/month vs. an accountant
- ✓You do not need full bookkeeping or financial statements
💰 Saving vs. accountant: 13,100–63,100 ISK/month = 157,200–757,200 ISK/year.
Frequently asked questions
Can Fustle replace my accountant completely?
For solo contractors, yes. If you run an ehf. with employees or need full financial statements, you may still need an accountant.
Does Fustle do bookkeeping?
Fustle handles tax compliance, invoicing, and payroll — not traditional double-entry bookkeeping. Solo contractors typically do not need that.
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