Finance and accounting decision

Factura

A competent technical user can build a minimal self-hosted replacement (multi-week effort) using existing open-source projects for invoicing/billing; the product’s durable moats are minimal and core capabilities are reproducible.

Visit website
You pay

$9/mo

$108/yr

Read off the official pricing page.

You’d pay instead

$100one-off70 h to build

$50/mo4 h/mo upkeep

On cash alone, building overtakes the subscription at 7 seats.

Open-source builds that already do this

Every project below is open source and already does this job today. Fork one, self-host it, or take the parts you need - the build prompt further down assumes an empty file, and this is the shortcut past that. Licences differ; check the one on each card before you ship. All Factura alternatives, with the arithmetic →

What a replacement has to do

  • Create clients → compose invoice/quote with line items → generate Swiss QR-bill PDF → email or export PDF → record payments and expenses → view reports (sales, P&L, VAT).

What it still won’t have

  • Hosted-in-Switzerland data residency and Infomaniak hosting
  • Built-in TWINT Business payment links integration
  • Regular vendor updates and product polish (weekly updates)
  • User support and any migration assistance the vendor offers

What remains hard

  • Product polish and ongoing maintenance
Read the build prompt

First-year cost

Keep paying

Paying is—cheaper in year one.

On cash alone, building overtakes the subscription at 7 seats.

Paid seatsseats

Money you would actually spend

Keep paying
—

Subscription price × seats × 12

Build it
—

AI build —APIs + hosting —

Time you would spend

—

—

What you would spend

What we assumed

The verdict above measures whether you could build it. This one is only about money.

Runnable build prompt

Not run yet
Build a self-hosted invoicing web app using Laravel (PHP 8+) + Filament admin or a lightweight Vue/React frontend + Postgres. Core features in scope: user auth (single-account), client CRUD with CSV import/export, create/edit invoices and quotes with reusable line items, generate Swiss QR-bill–compliant PDF invoices (including QR code), send invoices by SMTP/SendGrid, record payments and expenses, and reports: sales by client, profit & loss, and VAT report. Out of scope: TWINT Business gateway integration, hosted-in-Switzerland guarantees, multi-tenant billing automation. Include error handling, input validation, unit and integration tests for API endpoints, and Docker-based deployment scripts (Dockerfile + docker-compose) for a single VPS. Provide README with setup, migration, and backup instructions.
How we checked5 sources · 3/3 runs agreed · evidence score 67

How the score was reached

  • Partly verdict base52
  • An open-source build was found+5
  • 5 cited sources+3
  • Price verified on pricing page+3
  • 3/3 assessment runs agreed+4
  • Evidence score67

The base comes from the verdict. Everything under it is a check that either happened or did not, and each one is a fact frozen in this record rather than a judgement made at render time - so the same evidence always produces the same number.

How scoring works →

Cited sources · 5

Every page the run actually retrieved.

Integrity checks

What held up, and what did not.

✓ Price read off the page✓ 3 independent runs, one answer✓ Citations limited to fetched pages! 1 moat recorded