Help & Information

Understanding Slovenian s.p. bookkeeping

📋 What is this app for?

MojeKnjigovodstvo helps you track all your business finances as a Slovenian s.p. (samostojni podjetnik) - sole proprietor. It organizes your records in a way that your accountant will love, and makes tax time much easier.

💰 Monthly Payments to the Government

PIZ - Pokojninsko in invalidsko zavarovanje

Pension and Disability Insurance

This is your pension contribution. As an s.p., you pay this yourself (unlike employees where the employer pays part of it). The amount depends on your declared income base. This money goes toward your future pension when you retire.

💡 Typical monthly amount: €200 - €400+ depending on your income base

ZZZS - Zavod za zdravstveno zavarovanje Slovenije

Health Insurance Contribution

This is your health insurance contribution. It gives you access to the Slovenian public healthcare system. Like PIZ, the amount depends on your declared income base.

💡 Typical monthly amount: €50 - €150+ depending on your income base

Akontacija dohodnine

Income Tax Advance Payment

This is an advance payment on your income tax. Instead of paying all your income tax at the end of the year, you pay estimated amounts monthly. At the end of the year, your actual tax is calculated - you might get a refund or owe more.

💡 Amount varies based on your estimated annual income

DDV - Davek na dodano vrednost

Value Added Tax (VAT)

If your annual revenue exceeds €50,000 (or you voluntarily register), you become a DDV zavezanec (VAT payer). You charge DDV on your invoices (usually 22% or 9.5%) and can deduct DDV from your expenses. You report and pay the difference quarterly via the DDV-O form.

💡 Standard rate: 22% | Reduced rate: 9.5% (certain goods/services)

📁 Understanding the Tabs

01 - Izhodni računi

Your invoices to clients - money coming IN. Track what you've billed and whether it's been paid.

02 - Vhodni računi

Invoices and receipts you receive - money going OUT. All your business expenses go here. This is the most important tab for reducing your tax burden!

03 - Potni nalogi

Travel orders (kilometrina) - when you use your personal car for business, you can claim €0.43/km. This is a tax-free reimbursement. Keep good records of where you went and why!

04 - Dnevnice

Per diem allowances - when you travel for business (6+ hours), you can claim a daily allowance. Rates depend on the country and duration of travel.

05 - Plačila državi

Payments to the government - track your PIZ, ZZZS, income tax advances, and DDV payments. Helps you see how much you're paying in total.

06 - Pogodbe

Contracts and notes - keep track of ongoing contracts (office rent, subcontractors, services) and their monthly costs.

🧾 Expense Categories Explained

Najemnina – pisarna Office rent and related costs
Stroški pisarne Office utilities - electricity, heating, cleaning, supplies
Podizvajalci Subcontractors and freelancers you hire
Računovodstvo Accounting services
IT / SaaS Software subscriptions, cloud services, domains, hosting
Telefon / internet Phone bills, internet service
Zdravstvo / zavarovanja Health-related expenses, business insurance
Reprezentanca Business meals, client entertainment (50% deductible)
Potni stroški Travel expenses - flights, trains, taxis, parking, tolls
Izobraževanje Courses, conferences, books, training
Oprema Equipment - computer, phone, furniture, tools
Ostalo Everything else that doesn't fit above

📅 Important Deadlines

Monthly (by 15th): Pay PIZ, ZZZS, and akontacija dohodnine

Quarterly (by end of month after quarter): Submit DDV-O form if you're a VAT payer

Annually (by March 31): Submit your annual tax return

💡 Tips

  • Keep ALL receipts - even small ones add up!
  • Upload documents to Google Drive and link them here for easy access
  • Export CSV files regularly for your accountant
  • Track kilometrina religiously - it's tax-free money
  • Business meals (reprezentanca) are only 50% tax deductible, but still worth tracking