The tax and the notifications, handled
Invoicing through the service means the payment is treated as wages for tax, and the obligations that come with that are ours. Advance tax comes off at your tax card's rate, the contributions are paid, the Income Register is notified, and none of it is charged separately.
In this order, always
What happens to your invoice
The order matters, because each step is calculated on what the one before it left.
- 1The service fee comes off firstA percentage of the invoice excluding VAT. No Sava is paid on our service fee, so it leaves before anything else is worked out.
- 2The health insurance contribution is coveredThe employer's health insurance contribution, Sava, is 1,91 % in 2026 and it is the one contribution levied on this income. Your fee base is what the remainder comes to once it is paid.
- 3Advance tax comes off the fee baseWithheld at your tax card's rate and remitted to the Tax Administration. The two health contributions of your own are already inside that percentage rather than beside it.
Inside the service fee
What we file and remit
- Advance tax withheld at the rate on your tax card and remitted to the Tax Administration.
- Your tax card retrieved for you, so you do not have to fetch it and send it on.
- Income Register notifications filed for every payment.
- The employer health insurance contribution, Sava, remitted. Earnings-related pension, unemployment insurance and group life are not levied: this is not an employment relationship.
- A fee statement for every remittance, and an SMS both when a payment arrives and when yours goes out.
The two health contributions are already in your withholding rate. Sairaanhoitomaksu at 1,10 % and päivärahamaksu at 0,88 % are collected inside the percentage on your tax card rather than beside it. This is the single easiest thing to get wrong when working out what an invoice leaves you, and it is why the commission calculator does not list them as separate lines.
YEL is different, and it is not ours to pay. If you are YEL-insured, the statutory Sava contribution of 1.91% is charged in 2026, and the YEL insurance itself is invoiced to you directly by the insurance company. The price list says so in its footnotes.
See what is left of a real invoice
The calculator takes an invoice amount, a package and the withholding rate from your tax card, and shows every deduction separately, in the order they actually happen.
Frequently asked
- Do I need to file anything myself?
- Not for the pay that goes through us. We withhold the advance tax, remit it to the Tax Administration and file the Income Register notifications. The pay appears on your own tax return already reported.
- What if I do not have a tax card?
- We can retrieve it for you. If we cannot, the Tax Administration withholds at 60 %, so it is worth sorting out before the first invoice rather than after it.
- Why are the health contributions not deducted separately?
- They are collected inside the withholding percentage on your tax card, not alongside it. Deducting them again would count them twice and understate what you keep by about two per cent.
- Who withholds the tax if I am paid work compensation?
- We do. If your business is not on the prepayment register, the invoicing service withholds tax on the work compensation and reports the payment to the Incomes Register. A business on the register is paid without withholding and handles the tax through prepayments.
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.