Vertailu
Truster or OP Kevytyrittäjä?
Truster
- Service fee (light entrepreneur)
- 3.99% of invoicing or €55/monthSource
- Truster Turva (accident, liability and legal expenses cover)
- Included in the monthly packageSource
- Fast pay
- HetiPalkka 5%/invoice (before due date) · Pikamaksu €25/paymentSource
- Invoice monitoring
- Maksuvahti €1.99/invoiceSource
- Expenses, mileage and per diems
- Logged in the app, factored into your pay automaticallySource
Verified on 24 July 2026
OP Kevytyrittäjä
- Service fee (without a Business ID (Y-tunnus))
- 5% + Turva 2.5%Source
- Service fee (with a Business ID (Y-tunnus))
- 5% + VAT on invoicingSource
- Fast pay
- No fast-pay product listed on the service's pagesSource
- Expense deductions (without a Business ID (Y-tunnus))
- Via your own tax return — not through the serviceSource
Verified on 24 July 2026
The biggest differences in everyday use
The price difference is straightforward: OP Kevytyrittäjä's total cost without a Business ID (Y-tunnus) is 7.5% of invoicing (5% service fee + 2.5% Turva), while Truster's is 3.99% — or a flat €55/month for regular invoicing. On a €2,000 invoice, that's €150 vs €79.80.
Expense handling is a major practical difference. In OP's model without a Business ID (Y-tunnus), work-related expenses are only deducted afterwards, via your own tax return. With Truster, you scan the receipt in the app and the expense, mileage allowance or per diem is factored into your pay automatically — the financial benefit lands right away, not the following year.
When it comes to the rhythm of your money, Truster offers tools you won't find on OP's service pages: HetiPalkka pays your wages before the invoice's due date, and Pikamaksu transfers the funds from a paid invoice to your account instantly. On top of that, with Truster your growth path continues on the same account all the way to a sole proprietorship and the Oma tili model.
The figures in this comparison were checked against each service's own public pricing pages on 24 July 2026, with the source noted for every figure. Prices and terms may change — always check the provider's own page for current information. Campaign pricing has not been included in this comparison. Some services quote prices excluding VAT; this is noted wherever the provider states it that way.
Frequently asked questions about this comparison
How do the insurance covers compare?
OP Kevytyrittäjä without a Business ID (Y-tunnus) includes liability and group accident insurance in the price, with Turva adding 2.5% of invoicing on top of the service fee. With Truster, Truster Turva (accident, liability and legal expenses cover) is included in the monthly package.
How are work-related expenses handled?
In OP's model without a Business ID (Y-tunnus), expenses are deducted afterwards via your own tax return. With Truster, you scan receipts into the app and deductions are factored into payroll automatically.
Is this comparison up to date?
The figures were checked on 24 July 2026 against the services' own pages, with sources shown. If you notice something has changed, let us know — we'll update the comparison.
Try Truster — no commitment
The account is free and comes with no obligations. You only pay when you invoice.