Accounting and invoicing for life coaches
Single sessions, packages, online programmes and retreats: life coaches work with private people and often have a small income with a few jobs a month. Saldiqo writes invoices with a neutral service description, creates package invoices and shows the turnover limit so that the tax question does not come as a surprise.
What comes up for life coaches
Few, valuable jobs
A package costs several hundred euros, and a month brings only a few clients. Every invoice counts.
Discretion
Clients do not want more on invoices than necessary.
Small business limit
Many coaches stay under the turnover limit. Whoever passes it needs VAT.
How Saldiqo helps
- Neutral service textsService as an item with a general name.
- Packages as itemsSession package, online programme, single session.
- Retreats with a depositQuote, deposit, final invoice.
- Limit in viewSaldiqo shows how much turnover is still free.
Typical invoice lines
Examples that often appear on invoices in this industry. You set the prices yourself.
- Coaching session, 60 minutes
- Session package, 5 appointments
- Online programme, 8 weeks
- Weekend retreat, course share
- Deposit 30 % on booking
- No-show fee for short-notice cancellation
Tax and invoicing in Cyprus
What applies to invoices in Cyprus, in short. As of October 2026.
- VAT
- Rates 19 %, 9 %, 5 % and 3 %, plus 0 % until 31 December 2026 for infant milk, nappies, hygiene products and fresh fruit and vegetables.
- VAT registration
- The threshold is €15,600 of taxable turnover over 12 months, or expected within the next 30 days. If you sell services to businesses in other EU countries, you generally register from the first sale. Until you are registered, Saldiqo leaves VAT off and adds up your turnover.
- What goes on an invoice
- Even businesses that are not VAT registered must issue invoices and receipts. Companies show their name, HE number, the words “private company” where they apply, and their registered office. Notes such as reverse charge appear in Greek and English.
- Invoice timing
- Issue invoices within 30 days.
- E-invoicing
- There is no mandate. Public bodies accept e-invoices (Peppol BIS 3.0) and suppliers send them voluntarily. EU rules follow from 1 July 2030.
- VAT returns
- VAT4 returns are filed online through TFA, quarterly with staggered periods, by the 10th of the second month after the period, moved to the next working day if it falls on a weekend. Saldiqo does not file returns.
- Record keeping
- Plan for 10 years. The minimum is 6 years, VAT records can need up to 7 years, and OSS records 10 years.
- Late payment
- Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
- Languages
- Use Saldiqo in Greek or English and send invoices in either language.
Frequently asked questions
How neutral should the service description be?
As neutral as your clients wish and the mandatory details allow. You choose the item name freely.
Does a tax exemption apply to coaching?
That depends on the country and the case. You clear that with your tax adviser.
Do life coaches in Cyprus have to charge VAT?
Once they are registered, yes. The threshold is €15,600 over 12 months, or expected within 30 days. Services to businesses in other EU countries require registration from the first sale.
Do life coaches in Cyprus need e-invoicing?
No. Public bodies accept e-invoices through Peppol and suppliers use it voluntarily. EU rules follow from July 2030, so PDF invoices remain fine today.
How long should life coaches keep invoices?
Plan for 10 years: the minimum is 6 years, VAT records can need up to 7 and OSS records 10. You can store receipts digitally in Saldiqo. The legal duty to keep records stays with you.
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As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.