Melso vs Xolo
On Local, Global and Premium, Xolo says advisers file your taxes. Melso includes the Renta in Pro and Plus, and an AI agent on WhatsApp that keeps your invoices and expenses in order.
A comparison published by Melso from public sources, checked on 20 October 2026.
Melso and Xolo, point by point
| What you compare | Melso | Xolo |
|---|---|---|
| What you get | A gestoría with professionals and an AI agent that keeps your invoices and expenses in order. melso.ai/en/pricing · checked on 20 October 2026 | Invoicing and a gestoría for the self-employed, with local and international plans. xolo.io (opens in a new tab) · checked on 20 October 2026 |
| Who files your taxes | Melso professionals prepare and review your included returns; you approve them in the app and, with the required authority, the professional files them with the AEAT. melso.ai/en · checked on 20 October 2026 | Local, Global and Premium say advisers file your taxes; Lite does not include that filing. xolo.io (opens in a new tab) · checked on 20 October 2026 |
| Which cases it covers | We confirm the scope for your activity before you subscribe, with the Renta included in Pro and Plus. melso.ai/en/pricing · checked on 20 October 2026 | Local is for invoicing clients in Spain. Global and Premium add clients outside Spain. xolo.io (opens in a new tab) · checked on 20 October 2026 |
| Published price | Pro: €40.83 a month billed yearly (€490 a year) or €49 a month. Renta included. melso.ai/en/pricing · checked on 20 October 2026 | Local: €39 a month, plus VAT. xolo.io (opens in a new tab) · checked on 20 October 2026 |
The prices are for different plans and services: compare what each one includes, not just the figure.
Also with Melso
- An AI agent on WhatsApp: send it receipts and invoices, ask it questions and get reminders. Meet the agent
- Your annual income tax return (Renta, form 100) included in Pro and Plus. See the Renta
- We help you switch from your current gestoría and agree who handles each part. See how to switch
- Connect your AI to your tax data with MCP. Approving and filing always happen in Melso. See MCP
- In Spanish, English and Catalan, in the app and on WhatsApp. See Melso
Melso suits you if
- You want your income tax return included in the plan, rather than as an add-on.
- You want an agent that keeps your receipts and invoices in order on WhatsApp, as well as professionals.
- You want to review and approve each return in the app before it is filed.
You may stay with Xolo if
You invoice clients outside Spain, or you want a plan built for that, and the way it works suits you.
Who does each step
Preparing, approving and filing are separate steps. This is how each one splits them.
With Melso
We prepare
Melso keeps your invoices and expenses in order and prepares the return.
A professional reviews
A Melso professional reviews the draft for your activity.
You approve in the app
You review and approve that version, signed in to your account.
We file
With the required authority, the professional files it with the AEAT.
You get the receipt
The actual AEAT receipt confirms the filing.
With Xolo
On Local, Global and Premium, its pricing page says advisers file quarterly and annual taxes. Lite is invoicing and expenses you handle yourself.
xolo.io (opens in a new tab) · checked on 20 October 2026
Price and scope
Each price covers a different service. That is why we don't calculate a saving: compare what each one includes.
Melso for the self-employed
Pro€40.83a month
€490 a year · €49 a month
Your AI tax agent, backed by human professionals.
Melso prices from its current catalogue. Scope depends on your activity, and we confirm it before you subscribe. Other annual and information returns, payroll and letters from Hacienda are excluded unless confirmed in writing.
See Melso pricingXolo, according to its website
Local: €39 a month, plus VAT.
xolo.io (opens in a new tab) · checked on 20 October 2026
The price in the table is Local: €39 a month plus VAT. On the same page, Lite is €15 a month plus VAT and Premium is €99 a month plus VAT.
xolo.io (opens in a new tab) · checked on 20 October 2026
On Local, the Renta (form 100 or 151) is a €6 a month plus VAT add-on, and filing it requires at least 6 months with them. It is not part of the €39.
xolo.io (opens in a new tab) · checked on 20 October 2026
On Premium, the same page includes the Renta (form 100 or 151) if you stay at least 4 months.
xolo.io (opens in a new tab) · checked on 20 October 2026
Free registration as self-employed on Local requires a 6-month stay. Quarterly filing asks you to register before the 25th of the quarter.
xolo.io (opens in a new tab) · checked on 20 October 2026
On Local, Global and Premium, that page's table lists forms 303, 130, 111, 115 and 349, and annual forms 180, 190, 390 and 347, if you register in time.
xolo.io (opens in a new tab) · checked on 20 October 2026
The two free months are a Global promotion, for activations from 5 to 31 October 2026. They are not Local's price.
xolo.io (opens in a new tab) · checked on 20 October 2026
How to switch
An orderly switch, with nothing left half done.
- Download your invoices, expenses, ledgers and filed returns with their receipts from your current service.
- List anything pending: this quarter's returns, letters from Hacienda or payments.
- We agree which quarter Melso starts with and who handles each part in the meantime.
- We review a sample of your documents before we start.
- You authorise the switch and keep the receipts for what was already filed. Don't cancel your previous service until the handover is agreed.
What people usually ask.
Who files your taxes with Xolo?
On Local, Global and Premium, its site says advisers file your taxes. Lite is invoicing and expenses you handle yourself, without that filing. With Melso, professionals prepare and review the included returns, you approve them in the app and the professional files them.
Is the Renta included?
On Xolo Local, the Renta is a €6 a month plus VAT add-on, and filing it requires at least 6 months with them. On Premium, its page includes it if you stay at least 4 months. With Melso, Pro and Plus include your annual income tax return (Renta, form 100), prepared and filed by professionals once you approve it.
Can I switch from Xolo to Melso mid-year?
Yes, if the handover fits your tax calendar. We review your situation and agree which quarter Melso starts with and who handles each part during the switch.
Which price are you comparing?
Local, €39 a month plus VAT: the plan with advisers for invoicing in Spain. Lite (€15) is invoicing you handle yourself, and Premium is €99 a month plus VAT. The two free months are a Global promotion, not Local's price.
Sources and method
We compare the service for a self-employed person in Spain based on each company's public pages. A fact that is not published or could not be checked is left out.
Xolo
- xolo.io (opens in a new tab) · checked on 20 October 2026
Melso publishes this comparison and is an interested party. Each company's name is used only to identify it; there is no relationship between it and Melso.
Has something changed? Tell us on WhatsApp (opens in a new tab)
Coming from Xolo? Start with Melso.
Professionals who prepare and file your taxes, and an AI agent that does the everyday work.