How Much Does JDG Accounting Cost in 2026 — Pricing and Hidden Costs
A complete pricing guide for sole proprietorship (JDG) accounting in 2026. Market rates, hidden costs for additional services, and how to choose an affordable accountant without losing quality.
Accounting for a sole proprietorship (JDG) is a cost many entrepreneurs treat as fixed and unchangeable. But market prices range from 100 to 500 zł monthly — and the difference often doesn't come down to quality, but to the accounting firm's business model.
This guide shows how much JDG accounting realistically costs and what to watch out for when choosing.
Average JDG Accounting Prices in 2026
Traditional Accounting Firms
- Without VAT, revenue and expense ledger (KPiR) or lump sum tax (ryczałt): 150 – 300 zł/month
- With VAT: 200 – 400 zł/month
- Employees (social security [ZUS] registrations): +50 – 100 zł/month per person
- Annual PIT return: often included in the subscription
Online Accounting (SaaS + Accountant)
- Basic package (up to 5 documents): 100 – 200 zł/month
- Standard (up to 20 documents): 150 – 250 zł/month
- Premium (unlimited): 200 – 400 zł/month
Oxyok (Document-Based Model)
- Up to 5 documents/month: 49 zł + VAT
- 6–10: 69 zł + VAT
- 11–20: 79 zł + VAT
- 21–30: 99 zł + VAT
- 31–40: 119 zł + VAT
- 41+: 139 zł + VAT
Everything included: revenue and expense ledger (KPiR) or lump sum tax (ryczałt), VAT, PIT, social security (ZUS), standard audit file (JPK), e-invoicing system (KSeF), AI assistant.
Hidden Costs — What to Watch Out For
Many accountants advertise a low subscription but add charges for:
- Declaration corrections: 50 – 200 zł each
- Phone calls: some charge "per consultation"
- VAT registration: 100 – 300 zł one-time
- VAT-UE registration: 100 – 200 zł
- Tax form change: 100 – 300 zł
- Year-end closing: sometimes outside the subscription
- Additional documents: e.g., certificates, duplicates
Questions Worth Asking Before Choosing:
- Does the subscription include all declarations (VAT, PIT, social security [ZUS])?
- Is phone contact free?
- Is VAT registration included?
- Are corrections charged extra?
- Is the annual PIT return included in the subscription?
Oxyok — Full Pricing Transparency
At Oxyok, you pay for the number of documents, not for hidden fees. Everything included in the subscription:
- Revenue and expense ledger (KPiR) or lump sum tax (ryczałt)
- VAT (JPK_V7)
- PIT (annual returns and advances)
- Social security (ZUS) DRA
- E-invoicing system (KSeF) (issuing and receiving)
- AI assistant 24/7 — unlimited questions
- Phone contact — no consultation fees
From 49 zł + VAT monthly. No hidden costs.
Accounting price calculator — how much you pay
Enter your monthly document count. Compare Oxyok with the market average.
- ✓ KPiR or lump sum
- ✓ VAT and JPK
- ✓ PIT and ZUS
- ✓ KSeF
- ✓ AI assistant 24/7
- ✓ Phone support
- ✗ Declaration corrections
- ✗ Phone consultations
- ✗ VAT registration
- ✗ Year-end closing
Want to start with the cheapest plan?
Book a call →Oxyok prices: from 49 zł + VAT/mo. Market average: 200–350 zł/mo. (accounting offices, 2026). Actual prices may vary.
How to Choose an Accountant?
- Check what's included — ask for a full price list
- Ask about AI and automation — modern firms save your time
- Check availability — do they answer phones, or only emails?
- Ask about experience in your industry — an accountant for IT ≠ an accountant for care services
- Try a month — most good accountants offer a trial month
Write to [email protected] or visit oxyok.com/pl.
Questions about accounting?
I run accounting for sole proprietors from 49 zł + VAT per month.
Get in touch