Gignal calculates a freelancer’s foreign-currency income and shows how much of it is yours. It is not full bookkeeping, and here is exactly where it stops.
We do not file returns
You or your accountant file the FOP return. Gignal calculates the amounts and shows the deadlines, but it sends nothing to the tax office, does not work with a qualified electronic signature and does not reconcile with the taxpayer portal. To hand the figures to an accountant there is the accountant pack: one archive with income, expenses, NBU rates and invoices for a month or a quarter.
We do not make payments
You pay the taxes yourself from your own account. Gignal reminds you of the deadline and shows the amount, but it has no access to your money and does not supply your municipality’s payment details — your accountant or the tax office does.
We do not replace an accountant
This is a calculator, not advice. It does not know the specifics of your situation: whether a contract is drawn up correctly, what to do about exceeding the cap, how to treat a particular transaction. Every calculation we show says that the final figures for filing are to be checked with an accountant — and that is not a formality.
If you have an accountant, Gignal saves them time: hand over the pack instead of screenshots and email threads. If you have no accountant and your income is already uneven and in several currencies, Gignal will not make one unnecessary.
We do not handle VAT or every tax group
The tax calculator is built for a group 3 FOP without VAT — that is our audience. For groups 1 and 2, the general system or a VAT payer the figures will be wrong. If you are not a FOP at all, tax tracking can simply be switched off in your profile: clients, contracts, time and money stay, the tax sections disappear.
We do not connect to banks directly
Statements and the Upwork export are uploaded as files rather than pulled from a bank over an API. That means one manual step a month — and also that we never ask for access to your accounts. Direct bank integrations are planned, and when they arrive they will be read-only.
We do not run payroll
Timesheets, employee income tax and employer social contributions are not our job. Gignal is built for a solo freelancer and a small agency that works with contractors rather than keeping staff.
What we do do
We follow the money from being accrued on the platform to landing in the FOP account through five states, count income at the NBU rate for the settlement date, show how much the fees eat at each step, keep clients, contracts, hours and invoices in one place, and prepare the documents for your accountant.