Xolo Leap vs Xolo Go: which one fits?

The difference in one table

Xolo Leap and Xolo Go are two different setups, not two sizes of the same product. The comparison below describes each as Xolo publicly lists it on its own website. Prices come from Xolo’s pricing page and show the date they were last checked.

Xolo lists its prices excluding VAT. Check its pricing page for the current plans before deciding, because plan names, tiers and inclusions change.

What Xolo Leap involves

Xolo Leap is for people who want their own Estonian company run with an accounting and compliance service. According to Xolo’s Leap and pricing pages, it includes:

• help registering the company online
• monthly accounting and Estonian tax reporting, including VAT registration and returns, and monthly returns for salary taxes (form TSD)
• a virtual office with a legal address and PO box
• preparation and submission of the annual report
• support from accountants by email
• integrations with payment and banking services
• options to pay yourself a salary or dividends

There are several plan tiers. Xolo’s pricing page sets limits by tier, such as the number of shareholders or board members and of monthly transactions, and lists some features, such as OSS reporting and hiring employees, only in higher tiers. It lists Starter as available only for an introductory period, or until the company reaches a revenue limit set by Xolo.

With Xolo Leap you still go through the steps any Estonian company needs. You apply for e-Residency (state fee €150 (source: politsei.ee, checked 3 Oct 2026)), register the company (state fee €265 (source: abiinfo.rik.ee, checked 3 Oct 2026)) and open a business account. Whether a bank or payment provider opens an account for the company depends on that provider’s own checks. As a board member you remain legally responsible for the company, including its annual report and taxes, even when a service provider prepares them.

What Xolo Go involves

Xolo Go is for independent professionals who want to invoice clients without registering a company. As Xolo describes it, it works like this:

1. You sign up and enter a partnership agreement with Xolo.
2. You invoice your clients through Xolo’s framework. Xolo adds VAT where it applies.
3. Clients pay the invoice to Xolo Go.
4. Xolo pays the money out to your personal bank account after deducting its fees. Xolo says the same fees apply to business purchases you expense through Xolo Go.
5. You declare the income to the tax authority of your country of residence. Xolo provides earnings reports you can share with an accountant.

Because there is no company, there is no share capital, annual report, company bank account or corporate income tax to deal with in Estonia. It also means profit can’t be kept in a company for later, and you declare the income yourself in your country of residence. How it is taxed there depends entirely on your country’s rules.

What decides between them

The choice usually follows from a few facts about your work rather than from the products themselves.

The company-or-invoicing chooser walks through these questions and explains its reasoning. The fuller background is in do I need a company, or can I invoice without one?, and how much an Estonian company costs per year covers the costs beyond the service plan.

Xolo is one of several service providers for Estonian companies. If you are comparing providers, what to look for in an Estonian accounting service provider lists questions that apply to any of them.