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Penzum is a financial and tax dashboard built specifically for Hungarian sole traders (egyéni vállalkozók). Whether you operate under flat-rate tax (átalányadó) or KATA, Penzum gives you a single place to monitor your income, track expenses, estimate your tax burden in real time, and never miss a payment deadline — without needing to open a spreadsheet or call your accountant for routine numbers.

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Who Penzum is for

Penzum is designed for átalányadó and KATA sole traders, whether you run your business full-time, alongside an employment contract, or in retirement. If you are registered as an egyéni vállalkozó in Hungary and pay tax under one of these two schemes, Penzum is built for you.

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Core features

Income Tracking

Connect your invoicing software and let Penzum pull in your issued invoices automatically. Your revenue totals update in real time, so you always know where you stand against annual limits.

Expense Tracking

Log and categorise your business expenses manually, or import transactions automatically via bank sync (Navigator plan). Keeping expenses organised means a cleaner picture of your net position throughout the year.

Tax Estimate

Penzum calculates your estimated tax burden — personal income tax, social contributions, and trade tax where applicable — based on your current income and the tax form you have selected. The estimate updates as you add income and expenses.

Obligations Calendar

Never miss a monthly or quarterly payment. The obligations calendar shows every upcoming tax deadline relevant to your business type and tax form, keeping your filing schedule visible at a glance.

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What Penzum is not

Penzum is a dashboard and estimation tool, not a full accounting system. Understanding its scope helps you use it correctly alongside your accountant.
Penzum does not replace your accountant. It does not prepare or submit any filings to the Hungarian tax authority (NAV), does not maintain a general ledger, and does not provide legally binding tax advice. The AI Advisor feature is informational only — always consult a qualified professional before making tax or business decisions.
Use Penzum to stay informed day-to-day, and bring the summaries and estimates it produces to your accountant meetings — it saves time on both sides.