Why us
Published blogs
Guides and articles on light entrepreneurship: from invoicing and tax to deductions, insurance, and the point at which a Business ID starts to make sense.
Taxation
Invoicing a client abroad
A foreign client is not an obstacle to light entrepreneurship. What changes is how VAT is handled, which depends on where the client is and what the work concerns, and one exception is worth knowing before the first invoice.
Palkkaguru
Taxation
What an invoicing service cannot bill
An invoicing service suits a great deal of work, but not all of it. The Finnish Tax Administration lists the situations where paying a salary, and the obligations that come with it, cannot be moved to an invoicing service. Here they are in plain language.
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Pricing
Finland's cheapest, 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.
Palkkaguru
Taxation
VAT in Finland: the 2026 guide
VAT is the part most people find hardest when they start, largely because the rules moved three times in three years, most recently on 1 January 2026. Here is what applies now: when you register, which rates you charge, and what disappeared.
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Insurance
Accident claims: the documents you need
The Finnish claims process is precise and document-driven, and the paperwork is easier to gather at the time than a year later. This is what is asked for, and which of the two layers of cover each part belongs to.
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Getting paid
How fast you actually get paid
Every invoicing service promises speed. Almost none of them say which part of the wait they control. Here is the sequence, with the step we affect marked, and what it costs to skip ahead.
Palkkaguru
Getting started
Light entrepreneur or sole trader?
Should you start as a light entrepreneur or found a sole trader business (toiminimi) straight away? Both are good options, for different situations. Here are the differences, the advantages and the costs.
Palkkaguru
Insurance
YEL pension and social security in Finland
As an entrepreneur you have no employee pension cover by default. YEL insurance sets not only your future pension but your entitlement to sickness allowance, parental allowance and unemployment security.
Palkkaguru
Getting started
Start-up grant (starttiraha) in Finland
The start-up grant is support from the employment authorities for the early stage of entrepreneurship. Its purpose is to secure your livelihood while the business is not yet earning enough.
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Comparison
6 best invoicing services for freelancers
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.
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Insurance
Liability for light entrepreneurs in Finland
Finnish liability law is short and blunt: cause damage through negligence and you compensate it. What varies is which of your risks the insurance in your package covers, and that is worth knowing before a client asks for proof of it.
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Taxation
Claiming a daily allowance as a freelancer
A daily allowance is not extra money. It is a tax-free reimbursement for the higher cost of living while you work away from home, and it comes with conditions that are stricter through an invoicing service than in employment.
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Getting started
Consultant pay in Finland: salary vs day rate
The question behind 'what do consultants earn in Finland' is usually a different one: what should I charge? An employed salary and an independent rate are not comparable numbers, and this page does the conversion.
Palkkaguru
Taxation
Estimating your freelance tax in Finland
Two freelancers with identical income can face completely different tax mechanics in Finland, depending on whether they invoice through a service or under their own business ID. Start by working out which one you are.
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Taxation
Deductions for light entrepreneurs
Deductions reduce taxable income, but only past a certain point. A wage earner gets 750 euros automatically with no receipts at all, only what exceeds that adds anything. Here is what is worth collecting and what isn't.
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Taxation
Limited tax liability and invoicing
If you live abroad and earn income from Finland, wages are taxed at source at 35 per cent. Two things reduce it, a tax-at-source card and the option to request progressive taxation, and neither happens on its own.
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Taxation
Tax-free travel allowances for freelancers
A tax-free allowance covers a real cost of doing the work without tax being taken from it. Paid through an invoicing service, though, the conditions are stricter than in employment, and one common allowance drops out entirely for most people.
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Taxation
Tax deductions for graphic designers
The rule in Finnish taxation is simple, a cost incurred to earn income is deductible. Applying it to a design practice is where it gets specific, and where two thresholds decide most of the answer.
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Getting paid
Debt collection: a freelancer's guide
Finland has a clear, structured process for getting an unpaid invoice paid, and it gives you more leverage than most freelancers use. Penalty interest starts the day after the due date, and on a business debt you can add a standard compensation without proving a thing.
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Getting paid
A client missed the payment, what to do
The due date has passed and nothing has arrived. Most of these resolve in the first week, and the ones that don't are decided by what you do in the first month. Here is the sequence.
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Frequently asked
- Is this advice for my own situation?
- No. These are guides to how the rules work, written for freelancers and light entrepreneurs from the Tax Administration's own guidance and our price list. A question about your own circumstances is worth asking us directly, and it costs nothing.
- Are the older pieces still accurate?
- Each carries the date it was published, and we revise them when rates or rules change. If you find a figure that has gone out of date, tell us and we will correct it.
- Where do announcements about the service go?
- Into news. This page is guides and articles about light entrepreneurship; anything about the service itself, the platform or prices is announced there.
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.