You have questions.
We have answers.

The Symple invoicing service lets you do work and invoice for it without your own company or Finnish Business ID. You work independently under an assignment agreement — Symple invoices your customers on your behalf, handles taxes and insurance, and pays the money out to you.

It is a strong fit for freelancers, consultants, construction professionals, digital marketers, photographers, students, retirees, and anyone who wants to invoice for their work without the effort of setting up a company.

The invoicing service is especially useful when entrepreneurship interests you but starting a company feels too complicated, when you want to test an idea with less risk before founding your own business, when you do gig or project work alongside your main job or studies, or when you have skills others will pay for but you do not want to establish a company.

Yes, completely free. No credit card and no commitment. You only pay the service fee after your customer has paid the invoice. Registration takes less than 2 minutes.

No. In the invoicing service, Symple is legally the invoicing party on your behalf — you do not need your own company or Business ID. For tax purposes, you are treated as a contractor, not as an entrepreneur. You do not need to file an entrepreneur’s tax return, keep accounting records, or submit VAT returns to the tax authority.

Some industries and situations are not suitable for an invoicing service.

Not possible:

• Healthcare services, which according to the Regional State Administrative Agency require a Business ID
• Food sales
• Real estate brokerage, which requires a registered brokerage business
• Meeting fees and personal lecture or presentation fees, because tax authority guidance says employer obligations cannot be transferred to an invoicing service company
• Electrical installation work for private individuals without the required permits
• Transport work with a vehicle whose total mass exceeds 3,500 kg, which requires a Business ID and transport licence

If the situation is unclear, ask our team before you start.

Yes, minors are welcome, but starting the service requires guardian consent. Contact customer support and we will guide you through the first steps.

Yes, freely. No commitment period, no notice period, and no extra fees. The service has no fixed or monthly costs, so you can keep the account open for as long as you want. If you want to close the account completely, contact customer support.

We serve in Finnish, Swedish, English, Estonian, and Russian. Choose your own language when contacting us — we always reply in your language.

1. Add the customer to the system. You can search for company customers directly from the trade register.
2. Create a new invoice — choose the customer, VAT class, description, and line items.
3. Add expenses when needed, such as kilometres, daily allowances, or supplies.
4. Send the invoice to the customer by email or as an OVT e-invoice.
5. When the customer pays, the payout is sent to your account automatically.

The system remembers your previous line items, so the next invoices are quick to create.

The invoicing service payout reaches your account in 1–3 business days after the customer has paid.

With every payout you receive a clear breakdown: invoiced amount, service fee, optional Symple Turva, YEL, withholding tax, and final payout.

You can send the invoice by email or as an OVT e-invoice directly to the customer’s financial administration system. Many large companies require an OVT e-invoice — Symple supports both options. Paper invoices are not supported.

Yes. International invoicing works within the EU and in most other countries. We handle the correct VAT treatment automatically.

We automatically send a payment reminder after the due date. We also recommend contacting the customer yourself — direct contact is often the fastest way to solve the issue. Debt collection is available as an additional service. The service fee is only charged after payment has been received.

Yes. Add the expenses in the system: open the Expenses page, add a new expense, choose the expense type, such as travel kilometres, daily allowance, or supplies, and attach it to the invoice. Expenses are checked before payment.

No. All payments are processed through the system — the customer pays the invoice by bank transfer. This ensures that taxes, insurance, and payouts are handled correctly and automatically.

Yes, if the work qualifies for the household tax credit, such as cleaning, renovation, or care work at home. Symple automatically separates labour and material parts correctly on the invoice. The customer applies for the credit in MyTax — up to 1,600 €/year, 35% of the labour portion.

Invoicing service: 4.9% of invoicing, no monthly fee.

Symple Turva: optional insurance package + 2.9%.

Business ID add-on: €4.90/month (+VAT).

Sole trader: Symple Start €29.90/month + VAT 25.5% or Symple Full €89/month + VAT 25.5%.

The service fee covers sending and tracking invoices, withholding tax and remitting it to the tax authority, statutory YEL pension payments, VAT handling, and customer support. The Symple Turva insurance package is available as an add-on for + 2.9%. No hidden fees.

A few important things to keep in mind:

• Your invoice price is not the same as your payout — the service fee, YEL, and withholding tax are deducted. Use the calculator on our site to see the exact payout.
• Compare your price with others in the field — do not underprice.
• Remember to include the value of sales and marketing time.
• If you are required to take YEL insurance, your pricing should also cover your YEL payments.
• For business customers, you can state the price at VAT 0% and add VAT on the invoice.
• For private customers, always state the price including VAT.

Yes. You can use a marketing name or business name on invoices. Keep it clear and easy for the customer to understand.

All prices are stated at VAT 0%. VAT 25.5% is added to the service fee normally. With a sole proprietorship, you can deduct the VAT on the service fee in your own VAT return.

We withhold tax automatically according to your tax card and remit it directly to the tax authority. We also handle statutory YEL pension insurance payments. You do not need to file an entrepreneur tax return, keep accounting, or submit VAT returns — we handle everything.

You can submit your tax card easily from the Tax profile page in the system. Without a tax card, withholding is made at the maximum percentage — remember to submit it before your first invoice.

Symple Turva is an optional insurance package that includes accident insurance and liability insurance for the invoiced work. YEL pension insurance payments are withheld and remitted according to law.

YEL insurance is mandatory if your estimated annual income exceeds the statutory lower limit, approximately 9,208 € in 2025, and the activity is continuous. For pension insurance purposes you are treated like an entrepreneur — you are responsible for YEL insurance yourself. Symple advises in assessing YEL obligation, but YEL is handled through a separate pension insurance company.

You can add travel expenses to the invoice as tax-free reimbursements. Kilometre allowances according to the tax authority table, daily allowances, and other travel costs are handled correctly — they are paid to you separately from the actual payout and do not affect your taxable income.

When using the invoicing service, you may deduct the following in your personal taxation:

• The service fee and employer’s health insurance contribution as income acquisition costs
• Taxable travel expenses if they have not already been reimbursed with the invoice
• YEL insurance payments, which are fully deductible
• Other income-generating costs: home office deduction, professional literature, purchase and maintenance of tools, computers and peripherals, and telecom connections

The system gives you an annual summary of service fees and payments for your tax return.

No, it is not mandatory. Symple does not limit your options. However, we recommend considering your social security — for example joining an entrepreneurs’ unemployment fund if you are eligible. In an invoicing service, you may be able to receive adjusted unemployment allowance if your activity is considered part-time.

Invoicing service: you work under an assignment agreement without your own company. No Business ID, no accounting obligation, no monthly fees.

Sole proprietorship: you have your own Business ID. You receive the entrepreneur deduction, 5% of income tax-free, and can deduct all business expenses in taxation. Symple handles accounting, VAT returns, and the tax return.

You can start with the invoicing service and move smoothly to a sole proprietorship as your activity grows — all your data moves with you.

Symple registers the sole proprietorship for you free of charge. You fill in the required information in the service and we handle the registration with PRH. The Business ID is usually available within a few days. If you already have a Business ID, you can move your accounting over to Symple.

Symple Start fits when you invoice up to €600 per month. Symple Full fits when invoicing grows and you want a fixed €89/month price with no turnover limit. Full starts to make sense at about €1,290 per month.

A startup grant is not granted for operating through an invoicing service — it is granted only when founding your own company. If you plan to move to a sole proprietorship or limited company, the experience and invoicing history gained through Symple are considered an advantage in the startup grant decision.

1. Open the Customers page from the menu.
2. Click “Add new customer” in the bottom right corner.
3. Company customers: search directly from the trade register with the Business ID.
4. Private customers: fill in the information manually.

Note: the YTJ interface may sometimes be busy — try again shortly if the search fails.

1. Open the Invoices page from the menu.
2. Click “Add new invoice” in the bottom right corner.
3. Select a customer or create a new one.
4. Define invoice settings: VAT class, invoicing period, and description.
5. Fill in line items. The system remembers previous rows when you type a few characters.
6. Add expenses if they have been agreed to be invoiced.
7. Send the invoice for review.

1. Open the Expenses page from the menu.
2. Add a new expense from the bottom right corner.
3. Choose the expense type: travel kilometres, daily allowance, or other expense.
4. Fill in the information carefully.
5. Attach the expense to an invoice or payout request.

Expenses are checked before payment.

A payout request is created automatically when your customer pays the invoice. You can also create it manually: open Payroll → Payouts and add a new payout from the bottom right corner.

1. Click “Messages” in the menu.
2. Click “Start conversation”.
3. Select “Customer support”.

You can also email support@symple.fi. We serve on weekdays 11:00–14:00.