# Automated accounting on SAGA, without changing software > Automated accounting on SAGA: routine work disappears, the accountant stays. SAF-T D406 checked automatically, without changing your current software. URL: https://thenichesociety.ro/en/accounting-automation Accounting automation on SAGA, concretely: automated accounting on SAGA means taking routine work off the accountant's plate, not replacing them — without changing the software you already work with. **We automatically check whether you need to file SAF-T D406**, in three clicks, straight from your SAGA data. ## The accountant stays. The routine work disappears. **Augmented Accountant** is a system that reads directly from SAGA, with no API, with the program open, and works alongside the accountant: it reconciles the bank, checks filings before submission, calculates tax directly from the ledger, and prepares SAF-T D406. It doesn't replace the accountant and never writes anything into the client's database. **Copilot, not autopilot.** - 01**The reader**: works on both SAGA formats (older DBF and newer Firebird), read-only, without interrupting your work. - 02**The accounting brain**: CECCAR guidance, the chart of accounts, VAT rules and the tax calendar as a knowledge base. Without it, an AI model gives plausible but wrong answers. - 03**The workflows**: reconciliation, D100/D300/D406 checks, SAF-T, diagnosing when the software freezes. These translate into hours saved. A real, anonymized session: the reader on the SAGA database, the D406 check, tax from the ledger. The difference from the manual calculation: one leu. ## Do you have to file SAF-T D406? An answer in three clicks. The full rule, with deadlines, components and penalties, is in our guide: [SAF-T D406 Guide](https://thenichesociety.ro/en/saf-t-d406) ## How much time does a firm lose on routine work, every month. The system takes over the repetitive part (reading, reconciling, checking, flagging). The accounting treatment decision, the signature, and the filing stay with the accountant. The argument is commercial, not just prudent: what an accountant is buying is trust and speed, not abdication. ## Three layers, one system. **The reader** An MCP server that reads the SAGA database (DBF and Firebird) with the program open. Strictly read-only. Multi-company from the start: a firm handles 30–80 companies. **The accounting brain** CECCAR accounting monographs, the chart of accounts, VAT rules, the tax calendar. The real differentiator: without it, AI answers plausibly and wrongly. **The workflows** Bank reconciliation, D100/D300/D406 checks before filing, tax calculated from the ledger, SAF-T readiness, diagnostics for blockages. - ✓**Verified on real data**: corporate income tax calculated automatically from the ledger matched the manual figure, within a one-leu tolerance. - ✓**Diagnosis**: it identified the exact cause of a menu freeze that had cost a full day of manual work. - ✓**No API**: SAGA C desktop has no API and never will; our readers work regardless. When the API arrives on SAGA WEB, we'll be first in line. ## A fixed price, after a short discovery call. - installing the reader on the firm's server - portfolio-of-companies setup - team training (2 h) - reconciliation, checks, SAF-T - the accounting brain kept up to date with legislative changes - support the next day - integrations (bank, e-Factura, ANAF) - reports for the firm's clients - multi-location Every accounting firm has a different portfolio, workflows and infrastructure, so the price is set after a short, paid discovery and does not change along the way. ## Frequently asked questions ### Who has to file SAF-T D406 in 2026? All taxpayers registered as large, medium or small, plus non-residents with a Romanian VAT code. Sole traders (PFA, II, IF), medical/legal/notary practices, homeowners' associations, and public institutions don't file. Source: cabinetexpert.ro ### What is the filing deadline for D406? The last day of the month following the reported period: monthly for VAT payers on a monthly period, quarterly for everyone else. Deadlines shift to the next working day if they fall on a weekend or public holiday. Source: fiscalitatea.ro ### What is the SAF-T (D406) declaration? An internationally standardized XML file through which a company sends detailed accounting and tax data to ANAF monthly or quarterly, for automated cross-checks against other filings. Source: ANAF guide ### What does the SAF-T file contain? Header, Master Files (chart of accounts, partners, taxes, inventory, fixed assets), General Ledger Entries (the accounting journal), and Source Documents (invoices, payments, stock movements); fixed assets and inventory are reported separately. Source: seniorsoftware.ro ### What's the fine for not filing D406? Between 1,000 and 5,000 lei for late filing, under art. 337^1 of Law 207/2015; for incorrect or incomplete filing the fine is smaller (sources put it at 500-1,500 lei). Source: cabinetexpert.ro, fiscalitatea.ro ### Is there still a grace period for small companies in 2026? No. The grace period (6 months for monthly filers / 3 months for quarterly filers) only applied to those who entered the system in 2025; from 2026, any delay is subject to penalty from day one. Source: arhivix.com ### How is D406 generated in SAGA? From the Situații - Listări → Declarația 406 (SAF-T) menu: you select the month, click Actualizare date, then Generare declarație — the result is an XML validated and signed through DUK Integrator. Source: contabilul.manager.ro ### How is D406 different from D394 or D300? D300 (VAT return) and D394 (partner transactions) are summary tax filings submitted periodically; D406/SAF-T is far more detailed, containing the accounting ledger line by line, and ANAF (the Romanian tax authority) uses it for cross-checks against D300/D394. There's no official ANAF article that compares the three forms directly in one place — this comparison is a synthesis from the ANAF guide and sources on common errors. ### How long does manually preparing a SAF-T file take? There's no official published figure; sources on common errors describe the process as time-consuming, mainly because of cleaning up reference lists (customers/suppliers) and correcting VAT mapping before XSD validation. Source: smarttax.ro (common SAF-T mistakes) ### Let's see what can be automated in your business. A free 30-minute session: we'll tell you what can be automated, how long it takes and what it costs, with a fixed price after discovery. We reply the same business day.