Isolta vs. Finctra: Which Financial Tool is Right for Your Business?
A comprehensive, feature-by-feature comparison between Isolta and Finctra. Discover which platform offers the best value for invoicing, expense tracking, and inventory management for Finnish SMEs.
Jul 10, 2025
The Fundamental Difference: Tool vs. Ecosystem
If you are an entrepreneur in Finland, you likely know Isolta. It is a well-established, reliable tool that has helped thousands of freelancers send invoices. It does one thing—invoicing—and it does it well.
However, as your business grows, you need more than just a way to send a bill. You need to track where your money is going (expenses), manage what you are selling (inventory), and nurture your customers (CRM).
The Core Distinction:
Isolta is a specialized Invoicing Software (Laskutusohjelma). Its primary goal is to generate and send outgoing bills.
Finctra is a Financial Operating System. It combines professional invoicing with automated expense management, inventory tracking, and banking—giving you a complete 360° view of your business in one tab.
Expense Management & Receipt Scanning
Managing income is fun; managing expenses is a chore. This is where the two platforms diverge significantly.
Isolta: Focuses on sending invoices. Handling purchase invoices (bills you receive) is often an add-on service with a per-transaction fee (typically ~€2.26 per invoice). There is no native mobile app dedicated to scanning receipts instantly for free.
Finctra: We believe expense tracking should be frictionless. Finctra includes Unlimited AI Expense Scanning. You simply snap a photo of a receipt with your phone, and our AI extracts the data (date, amount, VAT) and categorizes it automatically.
The Verdict: If you have low expense volume, Isolta works. If you want to eliminate the "shoebox of receipts" without paying per scan, Finctra is the modern choice.
Inventory: List vs. Management
For consultants, selling time is simple. But for shops, cafes, and retailers, selling physical goods requires control.
Isolta offers a Product Register. This allows you to save product names and prices to speed up invoicing. However, it is not designed to track live stock levels, meaning you still need a spreadsheet to know if you are running low on an item.
Finctra includes a dedicated Inventory Hub. You can track live stock quantities, manage variants (e.g., sizes/colors), and receive automated alerts when stock is low. It connects your sales directly to your stock levels.
The Verdict: For service providers, both platforms work. For anyone selling physical products, Finctra replaces the need for a separate inventory tool.
The Total Cost of Ownership
When choosing software, smart business owners look beyond the monthly fee to the "Hidden Stack Tax"—the cost of all the other apps you need to buy to fill the gaps.
The Isolta Stack: To replicate a full business system, you might need:
Isolta (Invoicing): ~€12.99/mo
Separate Receipt App (Expenses): ~€10.00/mo
Inventory Spreadsheet/Tool: ~€30.00/mo
Total Estimated Cost: €50+ / month
The Finctra Advantage: Finctra consolidates these features into one login.
Starter Plan: €29/mo (Includes Invoicing, Expenses, & Basic CRM)
Growth Plan: €49/mo (Includes Unlimited Inventory, CRM, & AI Scanning)
Conclusion: Which Should You Choose?
Choose Isolta if:
You are a freelancer with very low volume (under 10 invoices/year).
You already pay an accountant to handle all your receipts and expenses manually.
You strictly need a simple tool just to generate PDF invoices.
Choose Finctra if:
You want to see your real-time Profit & Loss (Income minus Expenses).
You sell physical products and need to track inventory.
You want to simplify your tech stack and stop paying for multiple different subscriptions.
You value a modern, mobile-first experience that acts as a co-pilot for your growth.
Ready to upgrade your financial workflow? Start your free trial with Finctra today.
Competitor information is based on publicly available data as of July 2025. Features and pricing are subject to change.
