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Best Light Entrepreneur Service 2026
For the sake of transparency: this comparison was compiled by Truster. That's why every figure is sourced to the services' own pricing pages and can be checked yourself — including our own prices. The comparison was last updated on 24 July 2026, and promotional prices are not included. Mandatory extra fees are included in the total price, since every light entrepreneur has to pay them.
Comparison result: total cost of invoicing
1. Truster: 3.99% or €55/month. The lowest total price with no mandatory extra fees. The monthly plan includes Truster Turva (accident, liability and legal expenses cover). HetiPalkka (5%) pays out your salary before the invoice due date, and expenses, mileage and per diems are automatically factored into your pay.
2. Eezy Kevytyrittäjät: 7% total (4% service fee + mandatory EezyTurva 3%). The EezyExpress fast payout costs 5%, and processing expense reimbursements incurs a 1% fee. The service fee decreases as cumulative invoicing grows.
3. OP Kevytyrittäjä: 7.5% total without a Business ID (Y-tunnus) (5% service fee + Turva 2.5%). There is no fast payout product listed on the service's website, and work-related expenses are only deducted via your own tax return, not at the time of salary payment.
4. UKKO.fi: 8% total (5% service fee + mandatory UKKO Turva 3%). Salamapalkka (€15/use) speeds up payout of an invoice that has already been paid. On the sole proprietorship (toiminimi) side, ToiminimiLITE (€24.90/month +VAT) is capped at €400 of monthly invoicing; the unlimited plan costs €79.90/month +VAT.
Same invoice, four prices
For a €2,000 invoice (excl. VAT), the service's share including mandatory extras: Truster €79.80, Eezy €140, OP Kevytyrittäjä €150, UKKO.fi €160. For someone invoicing €2,000 monthly, the gap between the cheapest and most expensive option is €962 per year.
Beyond price, your choice also comes down to cash-flow timing and expense practices: if you need your pay before the customer has paid the invoice, a product like HetiPalkka is only offered by Truster among those compared. If your work involves a lot of expenses or mileage, having them deducted at the time of salary payment brings the benefit immediately, rather than waiting for next year's tax return.
Frequently asked questions
What is the best light entrepreneur service?
Measured by price, Truster is the most affordable in this comparison (3.99% or €55/month, compared to total prices of 7–8% for the others). Still, the best choice depends on your needs: besides the total price, compare fast payout options, expense practices, and whether the service can grow with you all the way to a sole proprietorship (toiminimi). The figures on this page are sourced, so you can verify the comparison yourself.
Can I switch light entrepreneur services mid-year?
Yes. Light entrepreneur services typically don't involve a commitment period, and switching is as simple as signing up with the new service: your tax card and customer details move with you. At Truster, your account is ready in minutes with bank authentication.
Do I need a Business ID (Y-tunnus) to invoice?
No, you don't need one: as a light entrepreneur, you invoice without your own Business ID (Y-tunnus), and the service handles tax withholding and reporting for you. As your invoicing grows, setting up a Business ID and sole proprietorship (toiminimi) often makes sense for tax reasons, and with Truster, for example, the same account can grow with you all the way to a sole proprietorship.
Try the most affordable option in the comparison
The account is free and comes with no obligations. You only pay when you invoice.