For Freelancers

#Freelance work without the entrepreneur's paperwork

A freelancer's week fills up with client work: design, code, writing, shoots, deadlines. Running a business on top of that — invoice templates, payment reminders, advance taxes, VAT returns, bookkeeping — all eats into the time you could be billing. Many skilled people put off going independent for exactly this reason: the work itself is interesting, but the administration of entrepreneurship isn't.

With Truster, you only do the part you're best at. You agree with your client on the work and the price, do the job, and create an invoice in the app — everything else happens automatically. Truster sends the invoice, tracks whether it's paid, withholds tax, and pays you your wage. The side that faces the tax authorities is always in order, because it's handled by a system, not a mental checklist.

To your clients, you look professional from day one: invoices are proper e-invoices or email invoices with your business details, and payment terms and late reminders are handled tactfully — without you having to chase your own money.

The difference shows up quickly in your calendar. Once invoicing rounds, sorting receipts and untangling tax matters no longer eat up your evenings, that same time goes either into billable work or free time — both a better use than admin. And because the whole chain from invoice to paycheck runs through one system, nothing gets stuck between two apps.

#Price your work right — and keep more of it

A freelancer's hourly rate needs to cover more than an employee's hourly wage: holidays, pension, tools, software licenses and quieter weeks. The Truster app shows, right while you're creating the invoice, how much you'll actually take home — after withholding tax and expenses. Pricing stops being guesswork once you can see the effect in euros before you send the invoice.

Deductible expenses directly increase the amount you take home. A new graphics card, a camera lens, mileage to a client meeting, or a travel per diem — scan the receipt with the app, and the vendor, amount and VAT are picked up automatically. Expenses are factored into your pay without separate forms, and receipts stay stored in the app in case you ever need to show them.

If your client covers expenses — travel to a shoot location, for example — you add them to the invoice itemized with just a few taps. The client sees exactly what they're paying for, and you get reimbursed on the same schedule as your pay.

Many freelancers who switch to Truster realize they've missed out on deductions for years, simply because keeping and logging receipts was too much hassle. When scanning takes five seconds, the deductions get captured — and it shows directly in what you take home.

#Pay at your own pace

The basic rhythm is simple: once your client pays the invoice, you withdraw your pay to your account — right away or whenever you like. You can also let accumulated pay wait and withdraw a larger sum at once, if that suits your finances better.

When your cash flow can't flex around your client's payment terms, HetiPalkka bridges the gap: you request your pay as soon as you've sent the invoice, we confirm the invoice with your client and check their credit information, and your pay is paid out on the next business day — no waiting for the due date. Your rent doesn't wait for your client's 30-day payment terms — and neither should you.

All your payslips, receipts and annual totals are available in the app whenever you need them — handy, for example, when you're applying for a mortgage and the bank asks for proof of income.

Maksuvahti, in turn, keeps an eye on invoices that are due: reminders go out to your client on time and tactfully, so you never have to choose between an awkward conversation and money you never receive. You keep the client relationship — we handle the chasing.

#Grow at your own pace

A freelance career rarely moves in a straight line — which is why Truster doesn't lock you into one model. You can start as a light entrepreneur with no commitments, paying a fee only when you invoice. Once assignments become regular, a fixed monthly price is often cheaper — you can switch anytime in the app. Note that the monthly price only covers work started while your subscription is paid and active — so activate your subscription before starting a gig and keep it active until you're paid.

If at some point you want your own Business ID (Y-tunnus) — for example, for bigger corporate clients or VAT deductions — our sole proprietorship service handles the setup, bookkeeping and VAT returns for you. Your clients, invoices and history move with you, so nothing starts from scratch. Same app, same account, new gear.

Your pension coverage grows along with you: once your entrepreneurial income exceeds the YEL threshold, you can take out the insurance directly in the app in minutes, in partnership with Ilmarinen. Your future builds up right alongside your pay, with no separate project needed.

#Tools that go wherever you go

Truster works wherever you do: iPhone, Android and browser, always on the same account. You pull up a new client's details from the Business Information System (YTJ) in seconds, see an invoice's status in real time, and the app's AI assistant answers your questions with sources — even on a Sunday evening before Monday's gig.

You sign contracts with your clients electronically right in the service, and if something needs a human touch, our customer support knows the freelancer's everyday life. All your documents — contracts, invoices, payslips, receipts — stay in one place, even years later.