6 best invoicing services for freelancers, and what they really cost
The headline percentage is not the price. At several services insurance is a compulsory add-on, and it lifts the real cost by two or three percentage points. Here are six services, what each one actually costs, and who each one suits.
Prices checked 22.9.2026 from each provider’s own pricing page. Palkkaguru is one of the services compared, worth knowing as you read.
First: software or service?
These two get confused in search constantly, and they are different products.
Invoicing software is a tool. You issue the invoice under your own business ID, and bookkeeping, VAT returns, YEL and insurance remain yours to handle. Monthly fee, no commission. If you would rather have the software and the bookkeeping from one place, the same firm does both on the Fennoa platform: Tiliguru for a sole trader and HR-tilipalvelu for a limited company.
An invoicing service invoices for you. You need no company of your own: the service issues the invoice under its own business ID, collects the payment, withholds tax according to your tax card, reports the income to the Incomes Register and pays you the rest. Commission per invoice, no monthly fee.
If you have no business ID, you need a service. This comparison is about services.
What a 1 000 euro invoice costs
Service fee plus compulsory insurance, on the VAT-exclusive amount. The table uses standard prices, not campaigns: a campaign ends, and the list price is what you pay in year two.
| Service | Service fee | Compulsory extra | Total | On 1 000 € |
|---|---|---|---|---|
| Palkkaguru, Basic | 1.90% | none | 1.90% | 19.00 € |
| Palkkaguru, Smart | 2.90% | none | 2.90% | 29.00 € |
| Mylaskuni | 3.00% | none | 3.00% | 30.00 € |
| 4works (top tier) | 3.60% | none | 3.60% | 36.00 € |
| Palkkaguru, Responsible | 3.90% | none | 3.90% | 39.00 € |
| Truster | 3.99% | none | 3.99% | 39.90 € |
| Eezy | 4.00% | +3.00% | 7.00% | 70.00 € |
| Ukko.fi | 5.00% | +3.00% | 8.00% | 80.00 € |
The gap between the ends of that table is 61 euros on every 1 000 euro invoice. Ten invoices a year makes it 610.
1. Palkkaguru: lowest list price, insurance as a choice
Basic 1.90%, Smart 2.90%, Responsible 3.90%. Accident cover is included in the two upper packages and liability cover in the highest only; Basic has none, and the price reflects that.
Strengths. The lowest standard rate in the comparison. Same-day payout by SEPA Instant, in hourly runs from 09:00 to 17:00. A cap of 249 € per invoice, so a 20 000 euro invoice costs 249 € rather than a percentage of it. The table on the price list works out the fee at each invoice size.
Weaknesses. A minimum charge of 9.90–14.90 € per invoice depending on package, on small invoices under 500 euros that matters more than the percentage. The range is invoicing and insurance, not bookkeeping; for that we point people to Tiliguru.
Who it suits. Someone invoicing regularly who wants to decide about insurance themselves.
2. 4works, gets cheaper as you invoice more
1.0–3.6%, falling with volume. Liability and accident cover included, no monthly fee.
Strengths. The only service here that goes below Basic, if you invoice enough. Insurance is in the price at every tier.
Weaknesses. The top tier of 3.6% is what an occasional invoicer pays, and at that point the gap to the cheapest is 17 euros per thousand.
Who it suits. High-volume invoicers. Check your own volume against their table before choosing on the headline percentage.
3. Mylaskuni: new entrant, aggressive pricing
Standard rate 3.00%, insurance optional. They are currently running a substantially cheaper campaign rate; if you are choosing a service right now, check that with them directly.
Strengths. Even the standard rate sits below the middle of this comparison. Express transfer at no extra charge.
Weaknesses. A new operator with little public track record. A campaign rate tells you nothing about what you pay next year.
Who it suits. The price-sensitive, who don’t mind an unfamiliar name.
4. Truster, the only flat monthly fee
3.99% per invoice or 55 €/month flat. Insurance optional.
Strengths. The monthly fee is the market’s only structural alternative to a percentage. Above roughly 1 400 euros of invoicing a month it beats their own percentage.
Weaknesses. The percentage rate is mid-table. Fast payout costs +5%, express transfer 25 €.
Who it suits. Steady, high-volume invoicers who want a cost they can predict.
5. Eezy: broad service, compulsory insurance
4% service fee plus a compulsory +3% EezyTurva. Seven per cent all in.
Strengths. One of the largest in Finland, with broad support and advice. Payment can arrive within an hour of the client paying.
Weaknesses. You cannot decline the insurance, so 4% is not the price. Expenses cost +1%, EezyExpress +5%.
Who it suits. Someone who wants a large operator’s support and accepts what it costs.
6. Ukko.fi: the best known, and the most expensive here
5% service fee plus a compulsory +3% UKKO Turva. Eight per cent all in.
Strengths. The most recognised name, thousands of users, thorough advice.
Weaknesses. The most expensive in this comparison. Payout “up to two banking days”. With a business ID, another 4.90 €/month.
Who it suits. Someone for whom the familiar name is worth 61 euros per thousand.
Free.fi has closed, and the default is expensive
Free.fi shut down after seven years and is directing its users to Ukko. That means thousands of Finnish freelancers are choosing a service right now, and the default being handed to them is the most expensive option in this table.
If you are one of them: make the switch on a comparison rather than on a link. The gap to the cheapest is 61 euros on every 1 000 euro invoice.
What the percentage doesn’t tell you
The minimum charge decides small invoices. On a 200 euro invoice, 1.90% would be 3.80 €, but the minimum is 9.90 €, so the effective rate is nearly 5%. Check the minimum before comparing percentages.
The cap decides large ones. Most services here have no cap at all, so a 20 000 euro invoice pays the full percentage.
The basis varies. Some services charge on the VAT-exclusive amount, others on the invoice total. At the 25.5% rate that is about four euros on a 1 000 euro invoice.
Speed isn’t price, but it is value. Same day and two banking days are different products if you invoice at month end.
How to choose
Three questions, in this order:
- How large are your invoices? Below 500 euros, compare minimum charges rather than percentages.
- Do you need the insurance? If you do, compare the package that includes it. If you don’t, don’t pay for a compulsory one.
- How much do you invoice a year? At high volumes a flat monthly fee or a volume-falling percentage can beat the lowest list price.
Your own numbers are in the commission calculator, and the full price list with minimums and caps is on the pricing page.
Figures go stale. If you spot an error, tell us. We’ll correct it and re-date the check.
Sources
- Ukko:
ukko.fi/kevytyrittaja/hinnasto-ja-lisapalvelut/(22.9.2026) - Eezy:
kevytyrittajat.eezy.fi/en/price-list/(22.9.2026) - Truster:
truster.com/fi-en(22.9.2026) - Mylaskuni:
mylaskuni.fi/kevytyrittajyys/(22.9.2026) - 4works: own pricing page (22.9.2026)
- Free.fi:
free.fi(22.9.2026)
Frequently asked
- Do I need invoicing software or an invoicing service?
- Software is a tool: you issue invoices under your own business ID, and bookkeeping, VAT and insurance stay with you. A service invoices on your behalf without a company of your own, and handles withholding, the Incomes Register report and the payout. If you have no business ID, you need a service.
- Which invoicing service is cheapest in Finland?
- The lowest standard rate in this comparison is Palkkaguru's Basic at 1.90%. 4works goes below it if you invoice enough, because their fee falls with volume. On small invoices the minimum charge matters more than the percentage.
- Why is Free.fi not in the comparison?
- Free.fi has closed and is directing its users to Ukko, which is the most expensive service in this table. If you were a Free.fi customer, the switch is worth more than one click of thought.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.