Palkkaguru price list and service fees
Invoicing should be easy, fast and fair — and that’s why we have one clear service fee, starting at 1.9% of the invoice amount. No hidden costs, no surprises, no mandatory surcharges. You only pay when you invoice.
Want to see how much you’ll save? Try the commission calculator now and see a real-time estimate of your net salary. Money transfers to users are always made on the same business day that the payment from the invoice is received by the Palkkaguru service. You also have the option to include additional insurance if you wish.
Prices for Freelancers with No Business ID
Valid from 02.08.2025
Our competitive pricing
Guru "Basic" Light Entrepreneur
Registration for Guru Service
⭐ Free
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Invoicing *)
✅ Included
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Official Notifications **)
✅ Included
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Accident Insurance
❌ Not Included
Legal Expenses Insurance
❌ Not Included
YEL Insurance ***)
❌ Not Included
Service Fee, VAT 0%
1.90%
Minimum Charge, VAT 0%
9.90 EUR/invoice
Maximum Charge, VAT 0%
249 EUR/invoice
Guru "Smart" Light Entrepreneur
Registration for Guru Service
⭐ Free
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Invoicing *)
✅ Included
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Official Notifications **)
✅ Included
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Accident Insurance
✅ Included
Legal Expenses Insurance
❌ Not Included
YEL Insurance ***)
❌ Not Included
Service Fee, VAT 0%
2.90%
Minimum Charge, VAT 0%
12.90 EUR/invoice
Maximum Charge, VAT 0%
249 EUR/invoice
Guru "Responsible" Light Entrepreneur
Registration for Guru Service
⭐ Free
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Invoicing *)
✅ Included
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Official Notifications **)
✅ Included
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Accident Insurance
✅ Included
Legal Expenses Insurance
✅ Included
YEL Insurance ***)
❌ Not Included
Service Fee, VAT 0%
3.90%
Minimum Charge, VAT 0%
14.90 EUR/invoice
Maximum Charge, VAT 0%
249 EUR/invoice
Guru Express Payment, VAT 0% 15.00 EUR/piece + 5%
*) Invoicing includes: Checking and sending sales invoices, monitoring payments, and up to 2 payment reminders.
**) Official Notifications include: Remittance to client and payslips. Income Register notifications. SMS notifications for incoming payments and disbursements. Tax card retrieval.
***) YEL Insurance: In addition, YEL-insured individuals will be charged a statutory Sava contribution of 1.87% in 2025. YEL insurance is paid directly to the insurance company by invoice.
Prices for Business Owners with Business ID
Valid from 02.08.2025
Our competitive pricing
Y-Guru "Bronze" for
Business Owners
Registration for Guru Service
⭐ Free
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New Business ID
⭐ Free
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Invoicing *)
✅ Included
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Settlement and official notifications**)
✅ Included
Accident insurance
✅ Included
Legal protection insurance
✅ Included
YEL insurance***)
❌ Not Included
Service fee, + VAT 25.5%
3.9%
Minimum charge, + VAT 25.5%
9,90 EUR/invoice
Y-Guru "Silver" for
Business Owners
Registration for Guru Service
⭐ Free
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New Business ID
⭐ Free
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Invoicing *)
✅ Included
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Settlement and official notifications**)
✅ Included
Accident insurance
✅ Included
Legal protection insurance
✅ Included
YEL insurance***)
❌ Not Included
Service fee, + VAT 25.5%
3.9%
Minimum charge, + VAT 25.5%
12,90 EUR/invoice
Y-Guru "Gold" for
Business Owners
Registration for Guru Service
⭐ Free
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New Business ID
⭐ Free
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Invoicing *)
✅ Included
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Settlement and official notifications**)
✅ Included
Accident insurance
✅ Included
Legal protection insurance
✅ Included
YEL insurance***)
❌ Not Included
Service fee, + VAT 25.5%
3.9%
Minimum charge, + VAT 25.5%
14,90 EUR/invoice
*) Checking and sending the sales invoice, tracking payments, possible payment notes 2 pcs
**) Settlement to the light entrepreneur and settlement statement. VAT calculations and declarations. Text messages about incoming payments and payments.
***) YEL insurance is paid directly to the insurance company by invoice.
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Maximum charge, + VAT 25.5%
249 EUR/invoice
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Guru accounting, + VAT 25.5%
39,90 EUR/month
Income below 10,000 EUR/year
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Financial statements and tax return, + VAT 25.5%
✅ Included
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Maximum charge, + VAT 25.5%
249 EUR/invoice
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Guru accounting, + VAT 25.5%
49,90 EUR/month
Income below 24,400 EUR/year
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Financial statements and tax return, + VAT 25.5%
✅ Included
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Maximum charge, + VAT 25.5%
249 EUR/invoice
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Guru accounting, + VAT 25.5%
0 EUR/month
Income over 24,400 EUR/year
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Financial statements and tax return, + VAT 25.5%
✅ Included
Y-Guru "Platinum" for
Limited Companies
Operated by HR-tilipalvelu
Upon agreement
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New Business ID
❌ Not Included
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Invoicing *)
✅ Included
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Settlement and official notifications**)
✅ Included
Accident insurance
❌ Not Included
Legal protection insurance
❌ Not Included
YEL insurance***)
❌ Not Included
Service fee, + VAT 25.5%
129 EUR/month
Minimum charge, + VAT 25.5%
N/A
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Maximum charge, + VAT 25.5%
N/A
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Guru accounting, + VAT 25.5%
129 EUR/month
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Financial statements and tax return, + VAT 25.5%
199 EUR/year
Register for our service and fill out the invoice form online
This is about where the money comes from
We are transparent
How to get started
Provide all the payment information
This is about where the money will be paid
Wait for confirmation from us
This is about when you will receive your money
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Address
Bulevardi 30 A 21
00120 Helsinki, Finland
Business ID 3021959-9
Palkkaguru.fi
Copyright © 2025 by Palkkaguru Oy | All Rights Reserved