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Quick Summary
Billy runs entirely in English at every pricing tier, including the free one. Dinero’s interface stays in Danish no matter which plan you choose, though individual invoices can be issued in English.
Relevant to freelancers and sole proprietors (enkeltmandsvirksomheder) in Denmark choosing a bookkeeping system, particularly anyone whose Danish isn’t yet fluent enough to navigate financial software comfortably.
Both offer a free tier: Billy Free caps you at 3 invoices and 10 receipts a month, while Dinero Starter allows unlimited postings but caps annual revenue at DKK 100,000.
Once your turnover passes DKK 50,000, moms registration becomes mandatory regardless of which software you use.
If your Danish isn’t yet fluent, Billy is the easier place to start. Its interface runs in English at every price tier, including the free one. Dinero’s doesn’t: the menus, reports, and settings all stay in Danish no matter which plan you’re on. You can switch individual invoices to English, but that’s as far as it goes.
That single difference settles the decision for a lot of expat freelancers before anything else gets weighed. It isn’t the only thing worth weighing, though. Since 1 January 2026, sole proprietorships earning more than DKK 300,000 a year, in two consecutive years, are legally required to keep their books in a registered digital system. An Excel spreadsheet, however carefully maintained, no longer satisfies bogføringsloven once you cross that line. Billy and Dinero are both on Erhvervsstyrelsen’s list of registered systems, so either one clears that requirement on its own.
What Billy and Dinero actually are
Billy and Dinero solve the same problem with different personalities.
Billy (partnerlink/reklamelink) built its name on simplicity. Send an invoice, photograph a receipt, file your moms in a couple of clicks: that’s the entire pitch. It’s used by more than 30,000 self-employed people in Denmark and positions itself as the least intimidating option on the market.
Dinero (partnerlink/reklamelink), owned by the Norwegian software group Visma since 2016, leans further into automation. Its built-in bookkeeping assistant tries to guess which account each transaction belongs to, and once you’re past the free tier, the integration list runs past 180 tools.
Neither asks for a CVR-nummer to get you started signing up; you can add your company details once you have one. Both are registered with Erhvervsstyrelsen as approved digital bookkeeping systems.
Billy vs Dinero: the core differences
| Feature | Billy | Dinero |
|---|---|---|
| Interface language | Full English, all tiers | Danish only (invoices can be set to English) |
| Free tier limit | 3 invoices + 10 receipts/month | Unlimited postings, revenue capped at DKK 100,000/year |
| Entry-level paid price | From DKK 160/month (annual billing) | From DKK 245/month (annual billing) |
| Moms filing | Built in, all tiers | Built in, all tiers |
| CVR-nummer required to sign up | No | No |
| Erhvervsstyrelsen registered | Yes | Yes |
| Owner | Shine (Danish) | Visma (Norwegian group) |
In Short
If English matters and your invoice volume is still low, Billy Free gets you further before you have to pay for anything.
If you’re heading toward DKK 100,000 in revenue quickly and Danish isn’t a barrier, Dinero’s automation starts paying for itself sooner.
The language question
This is worth sitting with, because it isn’t a cosmetic difference. Bookkeeping software asks you to make small classification decisions constantly: which account a transaction belongs to, whether an expense is deductible, what category a receipt falls under. Getting those decisions wrong in a language you’re still learning is a slower and riskier process than getting them wrong in English.
Dinero confirms on its own support pages that there’s no English version of the platform and suggests a browser translation extension for anyone who wants one. That works reasonably well for reading, less well for the moment you need to understand exactly what a specific bookkeeping template is asking you to confirm. Billy sidesteps the problem entirely: English is a first-class option, not a workaround.
None of this makes Dinero the worse product. Its automation is genuinely stronger, and plenty of long-settled expats with solid Danish get on with it just fine. But if you’re newly arrived and still building that fluency, the daily friction of translating your own bookkeeping software is a real cost, even if it never shows up on an invoice.
Case Study : Two freelancers, two stages
Mette, translator, DKK 4,000/month: still under the moms threshold in her first few months. Billy Free covers her: a handful of invoices, occasional receipts, no moms registration needed yet. She’ll upgrade to Basic only once her invoice count creeps past 3 a month.
Jonas, developer, DKK 15,000/month, half his clients abroad: already moms-registered and juggling foreign-currency payments. Dinero Pro’s automatic bank reconciliation and long integration list save him real time each week. For receiving payments from clients outside Denmark, he uses Wise: (partnerlink/reklamelink) rather than his regular bank, since the conversion fees are lower.
Full pricing breakdown
| Provider | Plan | Price (from, excl. moms) |
|---|---|---|
| Billy | Free | 0 kr./month |
| Billy | Basic | 160 kr./month (annual) / 225 kr./month (monthly) |
| Billy | Plus | 295 kr./month (annual) / 345 kr./month (monthly) |
| Billy | Complete | 595 kr./month (12-month lock-in) |
| Dinero | Starter | 0 kr./month (revenue capped at DKK 100,000) |
| Dinero | Starter+ | 245 kr./month (annual) / 297 kr./month (monthly) |
| Dinero | Pro | 345 kr./month (annual) / 397 kr./month (monthly) |
| Dinero | Total | 545 kr./month (annual billing only) |
Moms mechanics and the digital bookkeeping law, in plain terms
Both platforms handle momsindberetning itself: they calculate what you owe or are owed and prepare the return. Neither one pays it for you. Once you submit, the actual transfer happens separately through Skattestyrelsen, typically via TastSelv Erhverv or a linked NemKonto. It’s a small distinction, but it trips people up: filing moms and paying moms are two different steps, in both systems.
The standard rate is 25% on most goods and services, and registration becomes mandatory once your momspligtig turnover passes DKK 50,000 within the calendar year. That measurement changed on 1 January 2025: it used to run on a rolling 12-month window, but it now resets every 1 January, so what matters is turnover from the start of this calendar year, not the trailing 12 months. Plenty of freelancers register voluntarily before hitting that line, mainly to reclaim moms on startup costs like a new laptop.
When the software stops being enough
Both platforms sell you further up the chain once your situation gets more complicated: Billy’s revisorpakke, Dinero’s Skatteopgørelsen and Total tier. These are useful, but they’re built for standard cases. If you’re weighing virksomhedsskatteordningen against personal taxation, or your income mixes Danish B-indkomst with earnings from abroad, that’s a different kind of question, and it’s where the software’s automation stops being enough.
If any of that applies to you, loop in a cross-border accountant before your first årsopgørelse, not after. Both Billy and Dinero let you grant an accountant direct access to your account, so bringing one in doesn’t mean starting over.
Bottom Line
For most expat freelancers still building their Danish, Billy’s English interface removes a daily friction that Dinero simply doesn’t solve, even though Dinero pulls ahead on automation and integrations once your bookkeeping gets more complex. If Danish already feels comfortable, Dinero Pro likely does more of the busywork for a similar price. If it doesn’t, Billy is the one you’ll actually enjoy opening every week.
Disclaimer
This article is for informational purposes only and does not constitute financial, tax, or investment advice. Figures reflect publicly available data at time of writing. Always consult a qualified professional regarding your specific situation. See our full disclaimer.
