Taxes

In the business book, Svodly helps you keep an eye on taxes: the regime you choose determines what is calculated and which reports are available. This is supporting bookkeeping — not a replacement for an accountant and not the filing of returns with the FNS.

Tax regimes

The regime is set in the business profile. Supported regimes:

• NPT — professional income tax (the self-employed).
• USN 6% — the simplified “income” regime.
• USN 15% — the simplified “income minus expenses” regime.
• Patent and OSN — can be picked as the regime in the profile, but the tab doesn't calculate the tax for them yet (see below).

Changing the regime changes the set of available reports: for example, the KUDiR·USN-6 is shown only on “income”, and the deals register only on NPT. Details are in “Reports”.

Tax dashboard

The Taxes tab calculates the tax for the regime picked in the profile:

• USN 6% — the amount due and a breakdown: income accrued year-to-date × the 6% rate, minus the sole proprietor's own insurance contributions paid. Contributions from the “Sole proprietor insurance” seed category reduce the tax itself (by up to 100%) — the deduction shows as a separate breakdown line on every platform, and the same formula drives the cash-flow forecast and the “Tax by quarter” figure in the business analytics.
• USN 15% — a breakdown “income − expenses = base” × 15%. If the tax on the base comes out below the minimum tax of 1% of income, the minimum is shown as due. Here the contributions reduce the base as an ordinary expense, not the tax itself.
• NPT — calculated monthly: a simplified 6% of all income, with no “individual/company” split; the deadline is the 28th of the following month. On the phone you also see the progress towards the yearly NPT limit of 2.4 mln ₽.

On a computer (web and desktop) there is a deadline calendar under the dashboard — quarterly USN advances or monthly NPT payments, so you don’t miss a date; on the phone, a nearest-deadline badge is shown instead of the calendar. There, once income reaches 18 mln ₽, a warning appears about approaching the VAT threshold on USN (20 mln ₽, from 01.01.2026). Enable VAT and pick a rate (5 / 7 / 22%) in the book passport and Svodly computes the VAT due per quarter, while in the KUDiR income is shown net of VAT — the USN tax base isn't inflated; the VAT itself goes into a reference “VAT (incl.)” column.

The calculation is based on the income and expense transactions in the business book for the period. Always check the exact amounts with your accounting — Svodly gives a guideline, not an official calculation.

These same tax deadlines, with an estimated amount, flow into the “Payment calendar” alongside planned payments — so you can spot a cash gap in advance.

Patent and OSN

There is no calculation for Patent yet: the patent cost isn’t set in the app — the tab suggests calculating it in the FNS calculator. OSN (profit tax + VAT) isn’t supported yet — the tab says so with a banner. On the phone both regimes show the same placeholders.

How the taxes themselves are calculated

The formulas, deadlines and up-to-date amounts live in the tax handbook: short guides without accounting jargon, with worked examples and notes on what Svodly does for you.

• How to calculate the USN 6% “income” tax — the formula, a 2026 example and the contributions deduction.
• IP insurance contributions — 2024–2027 amounts, the 1% surcharge and deadlines.
• Self-employed (NPT) tax — the 4/6% rates, the credit, the 2.4 million ₽ limit and card transfers.

What is not included in the tax base

“Virtual” accounts are excluded from the tax base — use them for technical/internal movements so they don’t distort the tax and the KUDiR. Transfers between your own accounts are not counted as income either.

Where to go next

• Reports — KUDiR, the NPT deals register and export to XLSX/CSV.
• Payment calendar — tax deadlines in the cash-flow forecast.
• Business book — profile, regime, counterparties.
• Transactions — the income and expenses the calculation is built on.