For Solo Entrepreneurs

#Your time is your business's most valuable resource

The math of being a solo entrepreneur is unforgiving: every hour spent on admin is an hour taken from billable work — or your own free time. Invoicing, tracking payments, logging receipts, VAT returns, advance taxes and pension matters can easily eat up several hours a week, and at worst they spill into evenings and weekends.

Truster is built to take that burden off your shoulders. An invoice is ready in a couple of minutes, receipts are scanned as they come in, and payment tracking, reminders and — with our sole proprietorship services — bookkeeping and VAT returns all run automatically. What's left for you is the part of entrepreneurship you started out for in the first place: the actual work and your customers.

The difference is noticeable right away, and it adds up over a year: dozens of hours of admin work turn into minutes — and the accountant's bill becomes a thing of the past, since bookkeeping is included in the service. We fetch your tax card automatically, your income is reported to the Incomes Register, and every receipt is archived on its own.

The change shows up in how you feel, too. When Sunday evenings aren't spent sorting receipts and the VAT deadline isn't looming in the back of your mind, work starts to feel like the reason you chose it in the first place. Entrepreneurship should mean freedom — not another workday tacked onto your workday.

#The right service for every stage

A solo entrepreneur's needs change along the way, which is why Truster offers three service levels. As a light entrepreneur, you invoice without your own company — it's the fastest way to get started and suits you well when you're testing an idea or your work is still irregular. Sole proprietorship (toiminimi) fits once your business has become established: you get your own Business ID (Y-tunnus) and VAT deductions, but bookkeeping and returns are still handled for you.

Sole Proprietorship – Own Account takes control even further: your invoices are paid directly into your own bank account and you manage your cash flow yourself, while Truster handles the bookkeeping and official filings in the background. It's the lightest way to run a full-fledged sole proprietorship without an accounting firm.

The most important thing is that you don't have to commit to a choice forever: you can switch from one service to another without interruption, and your customers, invoices and history come along with you. Many people start as light entrepreneurs and move to a sole proprietorship only once the numbers show it makes sense.

Our comparison page shows the differences between the services side by side, including pricing, and if you're unsure which fits your situation, our customer service will walk through it with you — honestly, even when the cheapest option is to stay right where you are.

#Your finances under control, every moment

A solo entrepreneur's cash flow is sensitive to even a single late payment. In Truster you see the status of every invoice in real time — sent, due, paid — and Maksuvahti reminds your customers on your behalf, politely and on time. You no longer have to choose between an awkward collections conversation and the customer relationship.

When you need cash faster than your customer's payment terms allow, HetiPalkka pays your wage even before the invoice due date, and Pikamaksu transfers the funds from an already-paid invoice to your account instantly. Big purchases, seasonal swings and vacation months are much easier to plan when you control the rhythm of your cash flow.

You log expenses, mileage and per diems in the app as they happen — and you always see an up-to-date picture of what's actually left after costs. The same view gives you your annual totals in seconds, whether you need them for the tax authority, your bank, or even a mortgage negotiation.

YEL insurance — the foundation of a solo entrepreneur's pension and social security — is also arranged directly from the app in minutes, in partnership with Ilmarinen. You can update your income estimate whenever your earnings change, so your cover stays at the right level without any separate paperwork.

#You're not alone

The hardest part of working solo isn't always the workload — it's making every decision alone. In Truster, the app's AI assistant is there to help, answering your questions instantly and with sources, whether it's about a VAT rate, per diem rules, or how to format an invoice. And when you need a human, our customer service knows a solo entrepreneur's everyday life and helps quickly, over the phone if you book a call.

Thousands of solo entrepreneurs are walking the same path with Truster. Our Stories page shows how others have shaped work on their own terms — and what they've learned along the way.

And if your business ever grows beyond a one-person operation, nothing goes to waste: Payoll handles your first employee's payroll, and the freelance model lets you outsource busy periods without an employment relationship. Truster is built to stay with you the whole way.

#What does everyday life actually look like?

Take a photographer who shoots weddings, corporate portraits and product photos. At the end of a shoot, they send the invoice from their phone in the car — the customer's details came straight from YTJ, and the app immediately showed how much of the gig's fee would actually be left over. The receipt for a new lens got scanned from the camera bag on the way home, and the mileage was logged with a couple of taps.

At the end of the month, there's nothing to pull together: invoices have been tracked, a late payment triggered an automatic reminder, expenses are in the books, and the VAT return goes out on time without anyone having to think about it. Time that used to go to admin now goes to shooting — or to time off.