Мой Налог is the Federal Tax Service’s official app for the professional income tax regime, and every самозанятый in Russia is stuck with it for at least one thing: the receipts that reach the FNS have to be issued through the FNS’s own pipe. What the app is not, is a place you want to spend your working day. The receipt flow is fiddly, income statistics stop at “here’s a number,” expense tracking does not exist, and the interface has aged into government-app territory since the 2019 launch.
That is why most working самозанятые open Мой Налог only when the tax bill is due. The rest of the month lives in a bank app that speaks to the FNS API on their behalf, or in an accounting tool that treats the tax as one small piece of a bigger picture. This roundup covers the seven Мой Налог alternatives worth trying if you make more than a handful of receipts a month, split your invoicing across cash and card, or want expenses, invoices, and reconciliation in one place.
None of these apps replace Мой Налог in the legal sense. They call the FNS’s самозанятый API on your behalf, so a receipt issued through Т-Банк or Контур.Эльба is the same receipt the tax office sees. That is what makes the swap safe.
Quick comparison
| App | Best for | Free plan | Starting price/mo | Standout feature |
|---|---|---|---|---|
| Т-Банк | Freelancers who want banking and receipts in one place | Free card + free самозанятый module | Business tariffs from ~500 ₽ | One-tap receipts direct from an incoming card transfer |
| СберБанк Онлайн | People who already bank with Sber | Free with any Sber card | Free for the самозанятый module | Widest branch and ATM footprint in the country |
| Альфа-Банк | Higher-income freelancers who need a business card | Free debit card | Business plans from ~490 ₽ | Fast onboarding and clean expense analytics |
| Точка | Self-employed who plan to open an ИП later | Free для самозанятых | Business tariffs from ~700 ₽ | Support that actually answers on chat within minutes |
| Контур.Эльба | Solo entrepreneurs who mix самозанятый and ИП income | 30-day trial | From ~3,900 ₽/year | Full bookkeeping, not just receipts |
| Моё дело | People who want an accountant on call | 3-day trial | From ~833 ₽/month billed annually | Human accountant on tap for tax questions |
| Небо | Small teams who want to leave desktop bookkeeping | 14-day trial | From ~500 ₽/month | Multi-user access without extra per-seat fees |
Why people leave Мой Налог
Receipts take too many taps
Issuing a receipt in Мой Налог means opening the app, picking the payer type, typing the amount, choosing the service, and confirming. Do that for every card payment and you lose fifteen minutes a day. Bank apps that plug into the FNS API let you turn an incoming transfer into a receipt with one tap, or issue it automatically from a QR code.
No expenses, no reports
The professional income tax scheme does not deduct expenses, so the FNS never asks about them. That is why Мой Налог shows only your income. If you want to know what you actually earn after fuel, materials, and platform fees, you need a tool that tracks the outflow too. Every bank app on this list does that as a matter of course, and the accounting tools do it in detail.
You cannot send a real invoice
The receipts Мой Налог prints are fiscal, not commercial. Companies that hire самозанятые often want an акт or a счёт in a specific template. Контур.Эльба and Моё дело generate both and store the paper trail, which matters the first time a client’s accountant asks for one.
Growing out of самозанятый status
The 2.4 million ₽ ceiling arrives faster than most people expect, especially in tech and design. Мой Налог has nothing to say once you cross it. Точка, Т-Банк, and Альфа-Банк keep the same login and move you to an ИП tariff with the receipts you have already issued intact.
Support is a helpline, not a chat
The FNS chat inside Мой Налог answers slowly and in template language. If a transfer failed and you need to know whether the tax was still recorded, waiting three business days is painful. Bank apps and the paid accounting tools all offer chat that answers within the hour.
The alternatives
Т-Банк — Best for freelancers who want banking and receipts in one place
Т-Банк’s самозанятый module is the closest thing to a full replacement for Мой Налог, because it issues receipts through the FNS API and pays the tax from your debit card on the due date. Incoming transfers turn into a receipt draft you confirm with a tap. Bill payments and card management sit in the same app, and if you switch to ИП later, the tariffs are already there.
Where it falls short: You are still a Т-Банк customer, which means the tariff structure and the recent renaming from Тинькофф. Non-customers have to open an account first, and cash deposits go through partner ATMs rather than Т-Банк’s own network.
Pricing:
- Free: Debit card and self-employed module with no monthly fee
- Paid: Business plans from around 500 ₽/month if you upgrade to ИП later
- vs Мой Налог: Free at the base tier, plus you get a card
Migrating from Мой Налог: Register as самозанятый through Т-Банк’s onboarding flow. The bank pulls your existing registration from the FNS if you already have one. Receipts you issued in Мой Налог stay in the FNS’s records; new ones flow through Т-Банк from the switch-over date. Plan about ten minutes.
Bottom line: Pick Т-Банк if you want the closest thing to a one-app life for самозанятый work, and skip it if you refuse to open another bank account.
Download: Google Play · Samsung Galaxy Store
СберБанк Онлайн — Best for people who already bank with Sber
Sberbank’s самозанятый feature sits inside СберБанк Онлайн, so if you already keep your salary card with Sber, you do not install anything new. The receipt flow is a little more clicks than Т-Банк’s but familiar, and the tax auto-pay pulls from your Sber card on the deadline. The branch and ATM network is a real practical advantage for anyone who deals in cash.
Where it falls short: The самозанятый module reads like a bolt-on rather than a first-class product. Notifications about the tax bill occasionally arrive after the fact, and analytics on your income stop at monthly totals.
Pricing:
- Free: Included with any Sber debit card
- Paid: Regular card fees apply if you use one of Sber’s premium tiers
- vs Мой Налог: Free, and the tax pays itself from your existing card
Migrating from Мой Налог: Open СберБанк Онлайн, go to “Свое дело,” and confirm your самозанятый status. The bank pulls the registration from the FNS. New receipts route through Sber and old ones stay attached to your FNS profile.
Bottom line: Pick Sber if you already bank there, and skip it if you want a self-employed product with any polish.
Download: Google Play
Альфа-Банк — Best for higher-income freelancers who need a business card
Альфа’s самозанятый section is the tightest of the big three private banks. Expense analytics group your outflows by category out of the box, and the app pairs a personal debit card with the самозанятый receipt flow so business and personal money stay separate. Onboarding is done inside the app, no branch visit required.
Where it falls short: The free tier assumes you are also using Альфа’s regular banking. If you keep your main account elsewhere, some features (bill payment autopilot, category budgets) start asking for premium.
Pricing:
- Free: Debit card and самозанятый module
- Paid: Business tariffs from around 490 ₽/month once you upgrade to ИП
- vs Мой Налог: Free at the base tier and adds banking on top
Migrating from Мой Налог: Open the “Самозанятый” section inside Альфа, confirm your existing registration through Госуслуги, and start issuing receipts. The switch is instant on the app side and takes a day for the FNS to acknowledge on their end.
Bottom line: Pick Альфа if you want cleaner analytics than Sber and are ready to move your main card, and skip it if you never touch Альфа otherwise.
Download: Google Play
Точка — Best for self-employed who plan to open an ИП later
Точка markets itself to entrepreneurs, and it shows. Their самозанятый module is free, the interface is friendlier than the big three, and the support chat responds within minutes rather than days. What you are really paying for down the line is the graduation path to ИП, which Точка handles inside the same account without asking you to move money.
Where it falls short: Точка is a business bank with a light самозанятый offer, so some features that matter for pure freelancers (integrated invoicing templates, personal budget tools) are absent. You also cannot get cash out at every ATM in the country.
Pricing:
- Free: Самозанятый module at no cost
- Paid: Business tariffs from around 700 ₽/month for the ИП upgrade
- vs Мой Налог: Free for самозанятый, priced for what comes after
Migrating from Мой Налог: Sign up for Точка, verify через Госуслуги, and switch receipt issuance to Точка. Payments to the FNS come out of your Точка balance automatically on the deadline.
Bottom line: Pick Точка if you know you will outgrow самозанятый and want to stay in one place, and skip it if you only ever plan to freelance on the side.
Download: Google Play search
Контур.Эльба — Best for solo entrepreneurs who mix самозанятый and ИП income
Эльба is not a bank, it is bookkeeping software with the FNS API baked in. That means it does what a bank app never will: track expenses in detail, generate акты and счета in your own templates, remind you about every tax and report deadline including those beyond самозанятый, and store the paperwork in a way an accountant can audit later. If you already have an ИП or plan to open one, this is the tool that will not need replacing.
Where it falls short: It costs money after the trial, and the mobile app is a companion to the desktop rather than the main event. Some workflows still push you to the web version.
Pricing:
- Free: 30-day trial with full features
- Paid: From around 3,900 ₽/year for the самозанятый plan; ИП plans cost more
- vs Мой Налог: Paid, but you get bookkeeping, invoicing, and reminders that Мой Налог does not offer
Migrating from Мой Налог: Sign up on the Эльба website, link your Госуслуги account, and pick “Самозанятый” as your status. Эльба pulls your existing registration and takes over receipt issuance. Old Мой Налог receipts stay in the FNS records and Эльба starts fresh.
Bottom line: Pick Эльба if bookkeeping matters more than banking, and skip it if you just want to issue an occasional receipt.
Download: Google Play search
Моё дело — Best for people who want an accountant on call
Моё дело bundles accounting software with human accountant access. The self-employed plan gets you receipt automation, deadline reminders, and a chat line to a real accountant who will answer questions like “does this contract need an акт” without asking you to open a support ticket. That access is what makes the pricing worth it for anyone new to Russian tax paperwork.
Where it falls short: The chat is not 24/7 at the self-employed tier, and if your question requires document review, the accountant will bump you to a paid consultation. The onboarding also assumes some knowledge of Russian bookkeeping vocabulary that Мой Налог does not.
Pricing:
- Free: 3-day trial
- Paid: From around 833 ₽/month if billed annually
- vs Мой Налог: Paid, but the human accountant fills a real gap
Migrating from Мой Налог: Sign up on the Моё дело site, link the FNS integration through Госуслуги, and pick “Самозанятый.” Your registration is imported and receipts route through Моё дело going forward.
Bottom line: Pick Моё дело if you would rather ask an accountant than read the tax code, and skip it if you already know your way around FNS forms.
Download: Google Play search
Небо — Best for small teams who want to leave desktop bookkeeping
Небо is Russian accounting SaaS with a самозанятый tier that punches above its price. Multi-user access at no extra per-seat cost matters if you work with a partner or an outside bookkeeper. The mobile app is more polished than Эльба’s, and the reporting library covers every FNS form самозанятые touch and quite a few they do not.
Where it falls short: The bank integration is thinner than Эльба’s, so you may end up importing statements manually if your bank is not one of the top five. Templates for акты and счета are less customisable than paid competitors.
Pricing:
- Free: 14-day trial
- Paid: From around 500 ₽/month
- vs Мой Налог: Paid, and priced closer to bank apps than to full accounting SaaS
Migrating from Мой Налог: Register on the Небо site, connect FNS through Госуслуги, and receipts start routing through Небо. History from Мой Налог stays with the FNS and is visible in Небо’s reports for the current tax year.
Bottom line: Pick Небо if you want cheap SaaS bookkeeping with real multi-user access, and skip it if you need the deepest bank integrations.
Download: Google Play search
How to choose
Pick Т-Банк if you want the fewest apps on your phone and are comfortable moving your main account. It is the closest thing to Мой Налог + a bank in one package, and it costs nothing until you outgrow самозанятый status.
Pick СберБанк Онлайн if you already keep your money with Sber and just want the tax to pay itself. The polish is not there, but it is free and it is already installed.
Pick Точка if you are planning to open an ИП in the next year or two. Their самозанятый tier is free, and the ИП tariffs are competitive; not having to migrate money later is worth a lot.
Pick Контур.Эльба or Моё дело if the receipts are the smallest of your paperwork problems. Both are real bookkeeping tools, and Моё дело wins if you want to ask a human accountant why a client is disputing an акт.
Stay on Мой Налог if you issue a handful of receipts a year, never spend money on your самозанятый work, and file no other reports to the FNS. The bare app is enough for a bare workflow.
FAQ
Can I stop using Мой Налог entirely?
Legally, no, but practically, yes. Every alternative on this list issues receipts through the same FNS API that Мой Налог uses, so the tax authority sees the same records either way. You still need a самозанятый registration, which you can complete inside any of these apps or through Госуслуги.
Is it safe to hand a bank app my tax data?
The bank apps use Госуслуги as the identity bridge, so your tax data never leaves the FNS’s systems. What the bank sees is the receipts you issue and the tax amounts you owe, both of which are already visible in your own Мой Налог account.
Can I use Мой Налог and a bank app at the same time?
Yes. Some самозанятые keep Мой Налог installed as a backup for corner cases (large one-off receipts, edits after the fact) and use a bank app for everyday transfers. The FNS records are the single source of truth in either case.
What is the cheapest Мой Налог alternative?
The bank apps are the cheapest, because their самозанятый module is free. Т-Банк, Sber, Альфа, and Точка all charge nothing for issuing receipts. Paid accounting tools start around 500 ₽/month.
What happens when I outgrow самозанятый status?
Once your income crosses 2.4 million ₽ or you hire employees, you have to move to ИП or LLC. The bank apps and Эльба handle the transition inside the same account. Мой Налог simply stops accepting new receipts, which is not what you want to discover mid-month.
Can these apps generate акты and счета?
Yes for Контур.Эльба, Моё дело, and Небо. The bank apps do not, so if your clients ask for a formal invoice on top of the fiscal receipt, you either use one of the accounting tools or draw the акт up manually.
