LUPPA
LUPPA is a Portuguese accounting platform that turns a SAF-T file into a reconstructed balance sheet, management ratios, detected anomalies and matched bank statements, using a rule-based audit engine with AI reserved for writing the commentary.
What is LUPPA?
LUPPA calls itself inteligencia contabilistica and is aimed squarely at Portugal's Contabilistas Certificados. The premise is that the accountant already exports a SAF-T PT file from whatever ERP the practice runs, so nobody has to change software. Upload that file and the platform returns a reconstructed balance sheet, an income statement, ratios, a list of detected anomalies and a completed bank reconciliation.
The architectural claim matters more than the feature list. The audit engine is deterministic: the SNC checks are written in code, not inferred by a language model, and the site states that the same input always yields the same result across more than ninety checks. Artificial intelligence enters only at the end, to draft the opinion in plain language from anomalies that have already been found. As the homepage puts it, the model never decides what counts as an error.
Nine modules sit on top of that engine. The CFO Virtual rebuilds the accounts, scores more than thirty management ratios, writes an executive commentary, tracks monthly evolution, maps cash flows, runs a Pre-PME Lider check and a Banco de Portugal 360 benchmark, and generates the annex to the financial statements under NCRF-PE or NC-ME. Bank reconciliation ingests PDFs, spreadsheets and scanned images from BCP, BPI, CGD, Santander, Montepio, NovoBanco and Credito Agricola, then exports to TOConline, Sage, PHC, CentralGest and PRIMAVERA. The Inspector AT replays the cross-checks the tax authority performs on fields 1 to 40 of the periodic VAT return, grading alerts as critical, warning or informative. Around them sit preventive invoice auditing, a decoder for tax authority notices, third-party balance circularisation, an e-Fatura against SAF-T conformity check, and automatic impairments with Modelo 30.
Two things are free and permanent: four tax simulators covering autonomous taxation, the Article 43-D capital increase benefit, IRC payments on account and the salary-versus-dividends trade-off, plus a SAF-T to Excel converter that runs entirely in the browser. The publisher describes himself as a Certified Accountant who writes the code, and exposes fifteen REST endpoints and an MCP server for anyone who prefers to automate.
What it does
- Audit a SAF-T PT file against more than ninety deterministic SNC checks
- Match bank statements in PDF, spreadsheet or scanned image form against the ledger
- Replay the tax authority's own cross-checks on the periodic VAT return before filing
- Rebuild a balance sheet and income statement and score them on thirty-plus ratios
- Generate the NCRF-PE or NC-ME annex to the financial statements as a Word file
- Decode a tax authority notice into plain language and draft the client email
- Compute impairments and produce the Modelo 30 return automatically
When to use LUPPA / When not to
A quick filter to help you decide if LUPPA is the right fit.
When to use LUPPA
- Portuguese accounting firms closing between ten and fifty client books every month
- Independent Contabilistas Certificados who bill on their own and watch every hour
- Practices that want to hand clients a management report instead of a trial balance
- Finance teams checking the periodic VAT return before it reaches the tax authority
- Developers wiring SAF-T auditing into their own tooling through a REST or MCP interface
When not to use LUPPA
- Accountants working outside Portugal, since every check is built on SAF-T PT and SNC rules
- Anyone who needs an English interface, as the product and its support are Portuguese only
- Practitioners looking for a bookkeeping system: LUPPA reads exports, it does not replace an ERP
- Users who want a phone or tablet app, because the product ships only as a web app and an API
- Anyone expecting a binding tax opinion, which the terms explicitly refuse to provide
How to use LUPPA
A typical end-to-end flow, from setup to results.
- Create an account on the app subdomain; no credit card is requested
- Try the guided Sandbox company first if you would rather not upload real client data yet
- Export the monthly or annual SAF-T PT file from your existing ERP
- Drop that file into the platform and let the deterministic engine run its checks
- Read the reconstructed balance sheet, ratios and anomaly list produced from it
- Upload bank statements as PDF, spreadsheet or scan to complete the reconciliation
- Run the Inspector AT over the periodic VAT return before you file it
- Generate the NCRF-PE or NC-ME annex in Word when the close is finished
- Share the CFO report with the client through a secure link that needs no account
- For automation, mint a lup_ API key in Settings, then chain ping, SAF-T ingest and report
Pros & Cons
Pros
- Findings come from coded rules, so the same file always produces the same result and nothing is hallucinated
- Coverage of Portuguese rules is unusually precise, down to VAT return fields, NCRF frameworks and Modelo 30
- It is ERP-agnostic: the only requirement is a standard SAF-T export, with no migration involved
- The fourteen-day trial runs on real client data with no credit card and no feature restrictions
- The free tier is genuinely useful, with four tax simulators and a browser-only SAF-T converter
- Every paid plan carries unlimited users, so the price follows client count rather than headcount
- API keys are self-service, with no approval step, and an MCP server ships alongside the REST endpoints
Cons
- The product is unusable outside Portugal, since the entire engine assumes SAF-T PT, SNC and the Portuguese tax authority
- Interface, documentation and support exist only in Portuguese
- The publisher is a sole trader rather than a company, which concentrates continuity risk on one person
- The ISO 27001 and SOC 2 Type 2 badges belong to the data centres and infrastructure partners, not to LUPPA itself
- No Data Processing Agreement is published or offered on request
- The annual plan advertises a seventeen percent discount but never shows the resulting amounts
- There is no mobile app, no browser extension and no dedicated legal or privacy email address
Pricing & Plans
A permanent free tier is available and does not expire: a free account gives immediate and unlimited access to four tax simulators, and the SAF-T to Excel converter requires no account at all. Beyond that, a fourteen-day free trial opens the whole platform on real client data without a credit card. The lowest paid entry point is the Starter plan at EUR 29.00 per month, which covers up to ten companies with unlimited users. Annual billing is advertised at a seventeen percent discount, although the resulting amounts are not published on the pricing grid. Payment is handled by Stripe on a prepaid basis, renewal is automatic and cancellation is available from the settings panel; started periods are not refunded except in cases of proven technical error.
- EUR 0 - full access to every feature for fourteen days on real client data
- no credit card
- includes an Empresa Sandbox
- EUR 29 per month - marketed to freelancers
- up to 10 companies
- unlimited users
- all features
- EUR 69 per month - marketed to accounting offices
- up to 50 companies
- unlimited users
- all features
- advertised at EUR 1.38 per client
- EUR 149 per month - marketed to large firms
- unlimited companies
- unlimited users
- all features
- Annual billing toggle advertised at minus seventeen percent
- the resulting amounts are not published
- Integration API and AI agent access are stated on every plan card
- at no extra charge
Data, GDPR & hosting
A consolidated view of how LUPPA handles your data.
GDPR overview
The privacy policy opens by declaring compliance with the GDPR and is reasonably concrete about it. Data subjects are told they may request access, rectification, restriction and full erasure, and are pointed to the CNPD, the Portuguese supervisory authority, if they believe those rights are being ignored. Transfers outside the European Union are covered by Standard Contractual Clauses, and the processors relied on are named individually: Vercel and Supabase for hosting and database, Stripe for payments, Google Gemini for AI processing. Two gaps are worth knowing. There is no dedicated legal or privacy email address, so every request travels through the contact form under its Privacy and GDPR subject. And no Data Processing Agreement is published or offered, which a firm handling client accounting data will usually want in writing.
Who owns the data?
The terms draw a clean line. Everything the client uploads stays the client's property: SAF-T files, invoices and bank data belong exclusively to the customer. Everything that processes them belongs to the publisher, which claims the code, the design and the AI algorithms as its own. The privacy policy names the controller as LUPPA, operated by Antonio Jorge Tavares Lemos. Uploaded documents are passed to third parties only as processors, listed by name, and the platform enforces logical tenant isolation so that one practice can never reach another practice's files. Nothing in the published documents transfers ownership of client accounting data to the vendor.
Reuse rights
Because the uploaded accounting data remains the customer's own property under the terms, the customer needs no permission to reuse it: reports, reconstructed balance sheets, ratio analyses, generated NCRF annexes and reconciliation results can be exported, sent to clients or pushed back into an ERP freely, and the platform is built for exactly that with direct export to TOConline, Sage, PHC, CentralGest and PRIMAVERA. On the vendor side the use is narrower. The privacy policy allows uploaded documents to be processed by language models purely for data extraction and accounting classification, and states that financial data is not used to train third-party public AI models, with enterprise instances and data isolation. What the customer may not do is share an account, run bots against the platform or scrape it, all of which the terms forbid.
Data retention & training
Hosting summary
The security page places the platform in European data centres and names its infrastructure partners: Vercel for the frontend and Supabase for the database. The homepage FAQ is more direct, stating that servers are located in the EU. No individual hosting country is named. The privacy policy complicates the picture: it anticipates processing outside the European Union and covers it with Standard Contractual Clauses, which follows from the processors it lists, Stripe for payments and Google Gemini for AI processing. Encryption is TLS in transit and AES-256 at rest, with the homepage citing TLS 1.3. Daily automatic backups run with point-in-time recovery on redundant infrastructure, card data is never stored because Stripe handles payments as a PCI Service Provider Level 1, and each practice is logically isolated from every other. The ISO 27001 and SOC 2 Type 2 standards mentioned describe the data centres, not the publisher.
Where LUPPA works
Country-level availability.
Available in
Things to keep in mind
Risks and trade-offs to weigh before adopting LUPPA.
- The terms state that the publisher does not guarantee the absence of hallucinations, and declines liability for classification errors, failed filings and any resulting fines
- Automation invites complacency: a reconciliation that turns green on screen is still an opinion the accountant signs, and the terms put final validation squarely on the user
- ISO 27001 and SOC 2 Type 2 are attributed to the data centres and infrastructure partners, so reading them as certifications of LUPPA itself would overstate the assurance
- The site contradicts itself on hosting: the homepage FAQ places servers in the EU while the privacy policy anticipates processing outside it under Standard Contractual Clauses
- No Data Processing Agreement is published, which matters when the files uploaded are other people's accounting and banking records
- The publisher is a natural person trading in his own name, so continuity of the service depends on one individual rather than a corporate structure
- Compliance with the European AI Act is self-declared in the FAQ, without any third-party attestation to support it
Setup & Integrations
Technical difficulty
Low for an accountant. There is nothing to install and no integration to build: if you can export a SAF-T PT file from your ERP you can use the platform, and a guided Sandbox company lets you rehearse on fictitious data first. The technical route is barely harder. An API key is generated in Settings without approval, the documentation walks through three curl calls from connection test to finished report, and the publisher claims a first result in under five minutes. SAF-T files stream to 150 MB, other uploads cap at 10 MB.
Deployment
Integrations
Supported languages
Behind LUPPA
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
Do I have to change my accounting software to use LUPPA?
Does an AI model decide what counts as an accounting error?
Is my clients' data used to train AI models?
What does LUPPA cost and is there anything free?
Which banks are supported for reconciliation?
Is there an API, and who can get a key?
Where is the data hosted?
Does the free SAF-T converter upload my file?
Does LUPPA replace the Certified Accountant?
Can I show a report to a client who has no account?
Should you pick LUPPA?
LUPPA is a narrow tool, and that is its strength. It does not try to be a general accounting assistant; it takes the one file every Portuguese practice already produces, the SAF-T PT export, and squeezes an unusual amount of work out of it. The design choice worth pausing on is the split between engine and language model: anomalies, ratios and compliance failures are computed by coded rules, and AI is confined to writing the commentary afterwards. For audit work that distinction is not marketing, it is the difference between a finding you can defend and one you have to re-check.
The commercial shape fits an accounting office rather than a company: pricing scales with the number of client entities, users are unlimited on every plan, and the API and MCP server come included rather than as an enterprise upsell. A fourteen-day trial on real data plus a permanently free set of simulators means a practice can form its own opinion without spending anything.
Three things deserve scrutiny before committing. The publisher is a sole trader, not a company, which puts continuity in the hands of one individual. The ISO 27001 and SOC 2 badges on the security page describe the European data centres and infrastructure partners, not LUPPA itself, and the site is not always consistent about whether processing stays inside the EU. And no Data Processing Agreement is published, which a firm handling other people's accounting records will normally want in writing. None of these is disqualifying, but all three are worth raising before the first real client file goes in.
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