With paragraph, deadline, and number — current for 2026.

For every German tax worry — a guided path.

Restio is the AI that actually knows German tax law — with paragraph, deadline, and number. Step by step through your topic.

15 free messages. No contract, no risk.

Then in subscription, cancel anytime.

Restio home screen with tax topics — tapping 'Letter from Finanzamt' opens the guided flow.
Finanzamt letter

Photo the letter — I'll tell you what's in it.

4.9 · Apple App Store
Tax rules current for 2026 — based on EStG, UStG & AO
GDPR compliant.
How it works

How Restio works with you.

Three clear steps, all year round.

1

You put in.

Photo a receipt. Import a bank statement PDF. Tap in your income in two seconds. Restio recognizes it instantly: what it is, whether you can deduct it, and how much tax you'll save — all current for 2026. For larger purchases, Restio splits the depreciation over the right years automatically.

Restio recognizes receipt data automatically
2

You ask.

Letter from the Finanzamt, big purchase decision, Kleinunternehmer threshold, parental leave, crypto — for every important tax topic, Restio walks you step-by-step through the right flow. With paragraph, deadline, and number. And if you just ask freely, Restio recognizes your topic and routes you there automatically. It remembers what matters to you — for every next question.

Guided flow with paragraph citation
3

You get back.

Monthly and yearly reports. EÜR-Dossier for freelancers, ELSTER summary, or CSV for your tax advisor. On top: Restio reaches out before a deadline runs out or you cross a threshold — Werbungskosten flat rate, Kleinunternehmer §19, home office cap, advance payments. Year-round, not just in March.

Restio warns about the KU threshold in time
Each tax topic has its own flow.

Every topic has its own path.

ChatGPT invents the journey every time. Restio already knows it — from a letter from the Finanzamt to the Kleinunternehmer threshold, from a big purchase decision to parental leave.

For every topic there's a clear flow: which question first, which paragraph applies, which deadline matters, which number decides. Restio walks you through, step by step — and never jumps to something it doesn't know yet.

You can tap a topic, or just ask freely. Restio recognizes what you mean and routes you to the right path automatically. You never have to find it yourself.

Browse screen — searchable list of tax topics with persona and category filters.
Restio alert: Kleinunternehmer threshold approaching — at the current pace, the €22,000 limit will be crossed in early October.
Watching year-round — not just in March.

Restio reaches out before it's too late.

While you go about your day, Restio watches in the background: your receipts, your income, your thresholds, your deadlines. The moment something moves close to a limit, you hear about it — before it's too late.

22.000 €

KU-§19

1.230 €

Werbungskosten

4 Tage

§122 AO

Tap any alert — you land directly in a guided conversation for that exact topic, with all the relevant numbers and options.

Restio does the math — with your tax class, your state, your income.

Photo. Sorted. Tax saved.

Take a photo of your receipt. Restio reads out the amount, vendor, date and category — and tells you, in the same second, whether it's deductible and how much tax you save with it. In euros. Based on your tax class, your state, and your income. Not 'maybe', not a generic percentage.

Abschreibung — automatisch richtig

GWG bis 952 € sofort
Digital-Assets (BMF 2021) 1 Jahr
Telefon 5 Jahre
Möbel 13 Jahre

Bank statements work too: upload a PDF and Restio categorizes every transaction in one pass. You only confirm the uncertain cases — the rest runs in the background.

Receipt scanned — Restio shows the amount, category, deductibility and tax savings, plus the depreciation spread over the right number of years.
Restio shows your history: Finanzamt letter, laptop purchase decision, Kleinunternehmer threshold — all conversations organized by topic with dates.
Your profile and your past topics stay with Restio — until you delete them.

A conversation that doesn't start from scratch.

The first time, Restio learns your profile — profession, state, tax class. From then on, you never have to explain it twice. Restio remembers what's tax-relevant for you — your open topics, your recent purchases, your recurring questions — and gets straight to the point next time.

Every receipt you photograph. Every Finanzamt letter you upload. Every conversation you start. Everything stays organized by topic in your history — findable weeks or months later. Over the course of the year, you build up a complete archive without sorting anything yourself.

And you stay in control: view, export, or delete everything — anytime, with a tap.

Restio stores only what's relevant to your tax situation. You can view, export, or delete everything at any time. How we handle your data →
Voice mode — a real conversation, not just dictation.

Just say it. Restio listens.

Tap the mic and start talking. Restio listens, pauses to think, and then speaks back — like a real conversation. You can interrupt, share a document, switch the topic. It's not a dictation feature.

listening thinking replying

Practical when you don't have a free hand — in the car, in the kitchen, while sorting receipts at the table. You speak, Restio replies, you keep going.

Voice mode

listening …

Made for you

What else Restio does.

See what Restio takes off your plate for your situation.

Finanzamt letter

Upload a photo — Restio tells you what's in it and which deadline matters.

Commuter allowance

Enter days and kilometers — Restio calculates the full allowance for you.

Home office allowance

Six euros per day, up to the cap. Restio tracks the days.

Optimize Werbungskosten

Restio finds the items you usually leave behind — receipt by receipt.

Joint filing

Married? Combine both profiles — Ehegattensplitting calculated correctly.

Made for you

Who is Restio for?

Employee with a Finanzamt assessment at the kitchen table, Restio on their phone beside them.
Employees

When the tax assessment lands and you don't know if it's right.

Restio reads the assessment with you, checks the flat-rate caps, and tells you whether an Einspruch is worth it — deadline included. Commuter allowance, home office, Werbungskosten: all current for 2026.

Freelancer at desk with receipts and invoice, Restio scanning a receipt via phone.
Freelancers

When EÜR, receipts, and advance payments are eating your overview.

Restio sorts your receipts all year, watches the Kleinunternehmer threshold, and packs a ready EÜR dossier at year-end — for ELSTER or your tax advisor.

Expat at dinner table with English-language laptop and German letter from the Finanzamt.
Expats

When you're filing your first German tax return.

Restio explains the German system in English, asks only what's relevant to you, and walks you through your first assessment step by step. Double taxation and moving abroad are also covered.

Comparison

Where Restio stands.

What Restio does differently — and better.

Specialized in German tax law
Restio
ChatGPT
Taxfix
WISO
Guided flows for every tax topic
Restio
ChatGPT
Taxfix
WISO
Knows you, remembers your topics
Restio
ChatGPT
Taxfix
WISO
Answers with paragraph, deadline, and number — current for 2026
Restio
ChatGPT
Taxfix
WISO
Proactive alerts for thresholds & deadlines
Restio
ChatGPT
Taxfix
WISO
Custom reports (monthly, yearly)
Restio
ChatGPT
Taxfix
WISO
What does X cost after tax? (Purchase advisor)
Restio
ChatGPT
Taxfix
WISO
Voice mode for real conversations
Restio
ChatGPT
Taxfix
WISO

Restio isn't a filing tool. You file through ELSTER or Taxfix/WISO yourself — Restio prepares you for it all year long.

You stay in control

Your data is yours.

Whatever you share with Restio, you control.

You share what you want to share.

Restio only asks what your current topic actually needs. Nothing is collected in the background that you didn't share yourself.

You see what Restio knows about you.

Your profile, your history, your receipts, what's remembered about you — all visible in one place. No hidden drawers.

You take everything with you.

One tap: a clean export — for ELSTER, your tax advisor, or just yourself. Whenever you want.

You delete what you want.

Individual receipts, individual topics, or your whole account — no waiting, no questions. Gone is gone.

What exactly Restio does with your data, the purposes of processing, and the rights you have under GDPR — all of it in detail in the Privacy Policy →

Apple App Store

What users say.

From the Apple App Store. Original text, not edited.

Die Homeoffice-Funktion ist Gold wert

Arbeite von zuhause und hatte keinen Plan wie man die Homeofficez - Pauschale berechnet. Restio hat mich Schritt für Schritt durchgeführt. Hab gemerkt dass ich Geld liegen lasse.

E

Espootin

Apple App Store

Perfekt für Leute die Papierkram hassen

Ich bin eine Katastrophe wenn es um Finanzunterlagen geht. Jetzt scanne ich einfach alles wenn es reinkommt und Restio sortiert das. Kein Schuhkarton voller Belege mehr am Jahresende.

K

Killua Numa

Apple App Store

Gut aber noch am Anfang

Man merkt dass die App noch wächst aber der Kern ist solide. Die KI-Antworten sind hilfreich und soweit ich das beurteilen kann auch korrekt. Bin gespannt wie es weitergeht.

P

pedram114

Apple App Store

FAQ

Frequently asked questions.

Does Restio replace a tax advisor?

No. Restio is with you year-round — answers questions, sorts receipts, watches thresholds and deadlines. For the official filing you still need ELSTER or a tax advisor. Restio prepares everything so both paths are faster.

What can Restio do for me?

Answer your tax questions in plain language — based on your tax class, state, and situation. Photograph receipts, import bank statement PDFs. Guided flows for every important tax topic, from the Kleinunternehmer threshold to a Finanzamt letter. Reminds you before you miss a deadline or cross a threshold. At the end: a clean package for ELSTER or your tax advisor.

Do I need tax knowledge?

No. Restio is built for people who don't want to spend their lives on taxes. You describe what's going on — in normal words. Restio asks you the right questions, figures out what's deductible, and explains every answer in plain language.

Which tax types are covered?

Restio focuses on income tax — work-related deductions, special expenses, extraordinary burdens, and business expenses for freelancers. VAT (Umsatzsteuer) and trade tax (Gewerbesteuer) are not currently in focus.

How can I try Restio for free?

Download the app and ask your first 15 questions — completely free. No subscription, no credit card, no commitment. If Restio convinces you, you can keep going. If not, that's it.

What's different about Restio vs ChatGPT?

Three things: Restio is specialized for German tax law and answers with paragraph, deadline, and number — current for 2026. Restio knows your situation (tax class, state, prior topics) and uses it so you don't have to explain yourself twice. And Restio reaches out on its own when a threshold or deadline is coming. ChatGPT is a good generalist — Restio is a specialist with memory.

What happens to my data?

Restio stores only what's relevant to your tax situation. You can view, export, or delete anything Restio knows about you at any time. We do not sell your data. For details on purposes, processing, and your rights, see the Privacy Policy.

Can I export or delete my data?

Yes. Both are built into the app and don't require a request. You can view, export, or delete your profile, history, individual receipts, or your entire account from settings — directly, no waiting.

Reading

From the blog.

Tax tips, guides, and background — straight from practice.

Restio

Ready?

15 free messages. No contract, no risk.

Then in subscription, cancel anytime.