Finland's most affordable invoicing service, when insurance is optional
"Finland's most affordable" is easy to write and hard to defend. Here it is narrowed until it can be checked: the lowest standard rate among the services where insurance is a choice rather than a compulsory surcharge.
Prices checked 22.9.2026 from each service’s own pricing pages. Palkkaguru is one of the services compared.
What the claim actually says
The narrowing has three parts, and each one is needed:
- Standard price, not a campaign. A campaign ends; the list price is what you pay in your second year.
- Insurance optional. The comparison group is the services where you can decline the cover. At Ukko, Eezy and Omapaja you cannot.
- On the amount excluding VAT. Some services take their percentage from the invoice total including VAT, where the same percentage costs more.
On those terms, and on a thousand-euro invoice:
| Service | Service fee | On 1 000 € |
|---|---|---|
| Palkkaguru, Basic | 1,90 % | 19,00 € |
| Mylaskuni | 3,00 % | 30,00 € |
| Truster | 3,99 % | 39,90 € |
| OP Kevytyrittäjä | 5,00 % | 50,00 € |
| Toimipiste | 5,00 % | 50,00 € |
Where the claim does not hold
If you invoice a lot. 4works’ fee slides down with volume, as far as 1,0 %. At high volumes they are cheaper than we are, and there is nothing to argue about there.
If you are comparing against a campaign. Mylaskuni sells a 0,99 % campaign rate until 31.12.2026. If you are choosing today, that is a real option and worth checking with them.
If you need the insurance. Then the right figure is Smart or Responsible rather than Basic, and the full comparison is the better place to look.
Why narrow it rather than leave it broad
An unqualified superlative is marketing that a reader disproves in thirty seconds, and after that they believe nothing else on the page either. A narrowed claim survives the check, and checking is exactly what someone choosing an invoicing service does.
If you want to check this one for yourself, the three plans and what each of them includes are on the price list.
Frequently asked
- Is Basic's 1,90 % the cheapest service fee in Finland, full stop?
- No, and the post says where it is not. 4works slides down to 1,0 % at high invoicing volumes, and Mylaskuni sells a campaign rate until 31.12.2026. The claim here is narrower, the lowest standard rate among the services where insurance is a choice rather than a compulsory surcharge.
- What changes if I do want the insurance?
- Then Basic is the wrong row to compare. Smart or Responsible is the one that includes the cover, and the full comparison is the better place to look.
- Is the fee taken from the invoice total or from the amount excluding VAT?
- From the amount excluding VAT. Some services take their percentage from the total including VAT, where the same percentage costs more on the same invoice.
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.