Choose your tax form
Select the tax form that applies to your sole trader registration. This choice determines how Penzum calculates your estimated tax burden — so it is the most important setting in the app.If you are unsure which form applies to you, check your registration documents or ask your accountant before proceeding. You can update this setting later under Settings → Tax form, but changing it mid-year will affect historical estimates.
See the Tax Form guide for a full explanation of átalányadó and KATA, including key characteristics and annual revenue limits.
Select your business type
Tell Penzum how you operate your business. This affects which social contribution rules apply to your estimates.
| Business type | When to choose this |
|---|---|
| Full-time | Your sole trader business is your only or primary source of income — you have no active employment contract. |
| Part-time | You run your business alongside an active employment contract with another employer. |
| Retired | You operate your business while receiving a pension. |
If your situation changes — for example, you leave employment and switch to running your business full-time — update this setting promptly so your estimates remain correct.
Connect your invoicing software (optional)
Linking your invoicing account lets Penzum import your issued invoices automatically. Without this connection, you can still add income entries manually, but the sync saves time and reduces the risk of missing an invoice.Penzum currently supports two invoicing platforms:You can skip this step and return to it later under Settings → Integrations.
Számlázz.hu
Connect your Számlázz.hu account to sync invoices automatically. Follow the step-by-step connection guide.
Billingo
Connect your Billingo account to import invoices into Penzum. Follow the step-by-step connection guide.
Connect your bank account (Navigator only)
Bank connection enables automatic import of your transactions, making expense tracking largely hands-free.Penzum requests read-only access to your bank account — it can view transactions but cannot initiate any payments or transfers on your behalf.For a full walkthrough of the connection process, see the Bank connection guide.
Bank sync is available on the Navigator plan only. If you are on Compass, this step will not appear during setup. You can upgrade at any time under Settings → Account.