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WFIRMA VS IFIRMA: 2026 COMPARISON
wFirma or iFirma? 2026 Comparison — and a Third Option
Trying to tell wFirma and iFirma apart? Both are full accounting platforms — invoicing, Polish tax ledgers, KSeF and (to varying degrees) collections modules, all in one place. Here's an honest comparison of entry pricing and features, plus a third option for businesses that want KSeF invoicing kept separate from full accounting.
No credit card. Accounting stays right where it is today.
wFirma vs iFirma — what actually differs?
wFirma and iFirma are not pure invoicing tools — they are comprehensive accounting systems. Both support Polish tax ledgers (KPiR, flat-rate), KSeF integration, and, to varying degrees, payment-recovery modules. Choosing between them is really a choice of accounting provider, not just an invoicing tool.
Both companies have been in the Polish market for years and target a similar audience: sole traders, small businesses, and bookkeeping offices serving clients. iFirma is listed on the Warsaw Stock Exchange (GPW: IFI) and has operated for over 20 years, while wFirma was one of the first major platforms to integrate KSeF, back in March 2023. Both carry similar credibility and market tenure — the real differences show up in pricing and feature scope, not brand reputation.
Entry pricing: wFirma's cheapest paid plan is "Invoicing & CRM" from PLN 25/month on annual billing. Full accounting (tax ledgers, ZUS filings) costs more and sits in higher tiers. iFirma offers free invoicing for up to 3 invoices a month, and its first paid tier is the Faktura+ plan at PLN 12.50/month on annual billing — accounting and bookkeeping-office support live in more expensive packages.
Both platforms integrate with KSeF — that is no longer a differentiator, just table stakes for Polish accounting software in 2026. Their real strength is the accounting module itself: if you run your own tax ledgers, both wFirma and iFirma give you that alongside invoicing in one tool, which is a legitimate reason to pick either.
In short, for whom: if you are comparing wFirma and iFirma because you want full accounting in one tool, it comes down to whether you would rather pay more for a higher tier with automated reminders (wFirma), or less for a simple start with manual collections documents (iFirma). Neither choice is wrong — both give you real accounting, which Terminovo deliberately does not offer.
The difference shows up only once an accountant or bookkeeping office already handles your books, leaving you with just invoicing and keeping track of who has paid. That is when it is worth adding a third option to the comparison: Terminovo — KSeF invoicing plus automated payment reminders, without the accounting modules you would never put to good use.
wFirma, iFirma and Terminovo — 2026 comparison
Entry pricing, KSeF, and accounting modules side by side. Terminovo deliberately has no "full accounting" module — it is KSeF invoicing with automated payment recovery, not a replacement for your accountant.
| Feature | wFirma | iFirma | TerminovoThird option |
|---|---|---|---|
| Entry price | PLN 25/mo (Invoicing & CRM, annual billing) | PLN 0 (up to 3 invoices/mo) or PLN 12.50/mo (Faktura+, annual) | PLN 29/mo (Invoices Only, 75 invoices) |
| KSeF integration | |||
| Full accounting (tax ledgers) | |||
| Automated payment reminders | Yes, on higher accounting plans | Manual — you generate and send each one | From PLN 49/mo (Starter plan) |
| Online payment link on invoice | |||
| KSeF invoice receiving | Depends on plan | Depends on plan | Unlimited, on every plan |
Which one should you pick?
Choose wFirma when
You want invoicing, CRM, and full accounting (Polish tax ledgers) in one tool, and are ready to pay for a higher tier that also includes automated email and SMS reminders.
Choose iFirma when
You want a cheap or free start for simple KSeF invoicing, and want accounting available in the same system once you grow — even if some actions, like formal payment demands, stay manual.
Choose Terminovo when
Your accountant or bookkeeping office already handles the books, and you just need KSeF invoicing plus automated payment reminders — without paying for tax-ledger modules you will never use.
Frequently Asked Questions: wFirma vs iFirma
Is iFirma cheaper than wFirma?
For basic invoicing, yes. iFirma has a free entry plan for up to 3 invoices a month, and its first paid tier (Faktura+) is PLN 12.50/month on annual billing. wFirma's cheapest paid plan, "Invoicing & CRM," starts at PLN 25/month, also on annual billing. That comparison covers entry pricing only — full accounting costs more on both platforms and depends on the package you choose.
Do I need full accounting, or just invoicing software?
It depends on who currently handles your bookkeeping. If an accountant or bookkeeping office already does, you probably don't need to pay for wFirma's or iFirma's tax-ledger modules — KSeF invoicing, possibly with automated payment reminders for late-paying clients, is enough. If you file your own taxes without an intermediary, wFirma or iFirma give you invoicing and accounting in one place, which is usually cheaper than running two separate tools.
Do wFirma and iFirma support KSeF?
Yes, both systems integrate with the National e-Invoice System (KSeF) — you can issue and receive structured invoices that comply with Ministry of Finance requirements in either. Exact scope and limits depend on the plan you pick in each system.
KSeF invoicing, without modules you will never use
Try Terminovo for free: the Free plan includes 3 issued KSeF invoices a month and unlimited invoice receiving, no card required. The Invoices Only plan (PLN 29/mo) gives you 75 invoices a month. Automated payment reminders come from the Starter plan (PLN 49/mo).
Create your free accountNo credit card. Accounting stays right where it is today.
Questions about paid plans? See pricing