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What is self-employment?
The basics: invoice without your own company
Invoice without a company
Step by step to your first invoice
Your first invoice
Checklist: contents, terms, reminders
Find clients
First clients and repeat work
Money & tax
Tax when self-employed
How your salary is calculated from the invoice
VAT for the self-employed
When VAT applies and who handles it
Price your work
Hourly vs fixed, and what your price must cover
Receipts and deductions
Which costs belong to the job
Compare
Self-employed or sole trader?
An honest comparison of your options
Frilans Finans alternatives
Fees and what to compare
Cool Company alternatives
Fees and what to compare
Self-employment and a-kassa
What to know before you start
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Turva
Account management, reports and certificates
Account access
Invoicing and expenses
Kevytyrittäjä
Kevytyrittäjä onboarding
Toiminimiyrittäjä
Toiminimiyrittäjä onboarding
YEL-vakuutus
Aloita
Laskuta
Sovellus
Talous
Turva
Työnteko
Aloita
Kirjanpito
Laskuta
Ruokalähetit
Verotus
Payments and pricing
Sole trader (with a Business ID)
Taxes, insurances and obligations
Turva
Muut vakuutukset
Health insurance contribution 2026
Liability insurance and damages
Legal expenses insurance
Accident insurance
Työttömyysturva
Can a light entrepreneur receive unemployment benefits?
Does light entrepreneurship count towards the employment condition?
Can an unemployed person be a light entrepreneur?
YEL-vakuutus
Who must take out YEL insurance?
YEL calculator and estimating your work income
Yleiset kysymykset turvasta
Does light entrepreneurship affect benefits?
What happens if I get sick during a work shift?
Who pays if I damage a customer's property?
Does pension accrue without YEL insurance?
Legal expenses insurance in dispute situations
What does the accident insurance cover?
What does liability insurance cover?
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