HKDO - "Accounting assistant on your phone" accompanies business households transitioning from lump-sum tax to self-declaration and self-payment.

From January 1, 2026, the lump-sum tax system will end, and business households – from small pho restaurants and grocery stores to pharmacies – will enter a completely new era: self-declaration and self-payment of taxes. As the old door closes, the door to data-driven management opens, forcing business households to abandon their habit of "estimates" and embrace transparency. In this context, HKDO – the "accounting assistant on your phone" from Effect Software Joint Stock Company – is introduced as a lifeline to help them transition easily, no longer feeling overwhelmed by the new process.

HKDO "translates" accounting terminology into everyday life.

Speaking at the seminar, Mr. Nguyen Quoc Toan, Chairman and CEO of Effect, emphasized that for over 20 years, Effect has specialized in developing accounting software for businesses, adhering to complex standard systems.

But when it comes to household businesses, the picture changes completely. They only need to comply with a more streamlined "framework" : Circular 78 (electronic invoices), Circular 88 (household business accounting records), Circular 40 (tax declaration), and Decree 70 promoting comprehensive electronic invoicing.

If you were to apply the entire business accounting model—with its dense forms, bulky computers, and multi-step processes—to household businesses, it would almost certainly lead to chaos.

The reasons are clear: Households cannot simultaneously sell goods and enter detailed data like corporate accountants. The cost of investing in computers, software, and hiring accountants is a burden. The fear of taxes, the reluctance to deal with bookkeeping, and the aversion to invoices remain prevalent.

Mr. Nguyen Quoc Toan, Chairman of the Board and CEO of Effect.

Since 2019, Effect has chosen a different path: building a completely new solution specifically for household businesses. The core philosophy: Accounting should be as lightweight as a sales application – anyone can use it, regardless of their business expertise. That was the beginning of HKDO, which is now regularly used by thousands of household businesses nationwide.

Ms. Vu Minh Anh, Director of HKDO, describes the software design philosophy as asserting: "Anyone can do their own accounting." HKDO is built around 3 "no's" and 3 "easy"s, aiming to provide an experience for busy salespeople with little time and aversion to bureaucratic procedures. All in one phone.

From "manual record-keeping" to "digital management"

One new feature of HKDO compared to conventional sales applications is its deep integration of AI: suggesting suitable revenue and expense groups; automatically reminding businesses of tax filing deadlines to avoid delays; and analyzing data: identifying best-selling items, unusual expenses, and cash flow discrepancies. Thanks to this, the transition from manual record-keeping to software is no longer a drastic shift; businesses only need to check and confirm instead of having to "relearn accounting."

One example shared at the seminar resonated with many: Mr. An, the owner of a small eatery, recorded his daily revenue as an "estimate of 5-6 million VND," while his expenses were haphazardly recorded. When questioned by the tax authorities, he struggled to prove his income, sometimes having to accept a higher tax assessment than the actual amount. Since using HKDO: Each sale is automatically recorded; inventory and expense payments are made simply by taking a picture of the invoice; and at the end of the month, you have immediate access to: total revenue, breakdown of expenses, profit and loss, and cash flow.

Once he entered the tax declaration system, he was no longer afraid. On the contrary, he confidently engaged in dialogue with the tax authorities based on clear data. After 6–12 months, he could use this revenue and expense history to borrow capital to renovate his shop. Something he had never had before: a genuine, reliable financial record for the bank to consider.

That is the capability that HKDO wants to impart to millions of business households that are preparing to leave the "era of lump-sum tax."

Don't leave household businesses to fend for themselves.

HKDO is more than just software. It's a comprehensive support ecosystem:

7 support channels: Phone, Zalo, in-app chat, video library – step-by-step guidance documents.

The online support group on Zalo answers all questions, from digital signatures and electronic invoices to tax declarations.

We propose coordinating with tax authorities, women's associations, and youth unions to organize training on digital transformation and tax declaration procedures.

Initial incentives encourage households to confidently try the product.

Most importantly: The data belongs to the business owner and is kept completely confidential. HKDO is merely a tool to help them access and utilize the data safely and intelligently.

The message is clear: Abolishing lump-sum tax is an inevitable trend in the digital economy . Tax declaration is not a burden if properly supported. And every business can completely professionalize its management – ​​all from a mobile phone.

HKDO is not just an application, but: A simple, inexpensive, and easy-to-use tool; a "understanding friend" for business owners; a reliable companion in the transition from intuition to data.

In the journey from "lump-sum tax" to "digital tax declaration," the question is no longer "should we declare?" but rather: "Declaration by hand, or declaration using an accounting assistant on the phone?". And the answer that HKDO wants to build with business households is: Declaration is no longer a fear, but a step forward towards more transparent, professional, and sustainable business.

Source: https://daibieunhandan.vn/hkdo-tro-ly-ke-toan-trong-dien-thoai-dong-hanh-with-ho-kinh-doanh-chuyen-tu-thue-khoan-sang-tu-khai-tu-nop-10400406.html