Pricing
What it all costs.
Your bill has four parts, and you control two of them. The more of it runs electronically, the less you pay. That is the whole model, and there is no hidden fifth part.
We tell you the exact figure after a short conversation. We do not charge for a quote.
Four parts
One invoice a month, but four lines on it. Two are fixed and two follow how much work your paperwork actually takes.
- 1A fixed monthly feeThe system: €10, €20 or €50 a month depending on the plan you choose. You know this in advance and it does not move.
- 2Bookkeeping serviceBilled on actual time used, in 15-minute increments, €21.50–86 a month. Includes VAT returns, EU sales reports, reporting, and your profit and loss and balance sheet.
- 3Add-on servicesOnly if you use them: payslips, digital signatures, scanning receipts that arrive by post, print and post. Prices below.
- 4Year end statementsOnce a year, on time used, €72–192. The same principle as the monthly bookkeeping.
Part 1
Choose a plan
The plan decides what is available to you in the system. It does not include bookkeeping work. That is billed separately on time used.
Light
When you invoice some other way, or hardly at all, and want the books kept properly. The only plan that still accepts receipts by post or email.
€10 / mo, the system
VAT 0 %
- Personal login (FI / SV / EN)
- Bank connection
- Electronic signatures
- Browser app
- Receipts by post or email too
Charged separately
- Getting started and final archiving€49 (one-off)
- Bookkeeping, on time used€21.50–86 / month
- Financial statements and tax return€72–192 / financial year
Basic
Most chosenWhen you invoice regularly by email and claim travel and expenses. No cap on how many invoices you send.
€20 / mo, the system
VAT 0 %
- Everything in Light
- Sales invoices by email, unlimited
- Tracking and reminders for unpaid invoices
- Quotations
- Travel and expense claims
Charged separately
- Getting started and final archiving€69 (one-off)
- Bookkeeping, on time used€21.50–86 / month
- Financial statements and tax return€72–192 / financial year
Pro
When you send and receive e-invoices, want your own e-invoice address, or want to work from your phone.
€50 / mo, the system
VAT 0 %
- Everything in Basic
- Purchase invoices as e-invoices, unlimited
- Your own e-invoicing address
- Mobile app
- Fennoa's AI features
Charged separately
- Getting started and final archiving€89 (one-off)
- Bookkeeping, on time used€21.50–86 / month
- Financial statements and tax return€72–192 / financial year
Bookkeeping at €21.50–86 a month comes on top of the plan fee, so the lowest combination is €31.50/mo. Changing plan is free once a quarter.
Part 2
Bookkeeping, billed by the time it takes
Time is counted in 15-minute increments. You do not pick a band, you land in one, and it moves as your business does. Receipts photographed into the app, purchase invoices paid through the system and a bank feed doing the typing are all time we do not spend and do not bill.
Paper, manual work, long phone calls and consulting push the other way. Calls and emailed questions count toward the same minutes as the bookkeeping.
| Your case | Estimated time per month | Bookkeeping / mo |
|---|---|---|
| Small and straightforward | 15 min, minimum charge | €21.50 |
| Moderate | 30 min, as actually used | €43.00 |
| Established | 45 min, as actually used | €64.50 |
| Professional | 60 min, maximum charge | €86.00 |
VAT 0 %. The plan fee of €10–50 a month is billed on top of this.
Your monthly ceiling
Bookkeeping stops at €86 however the month goes. The plan fee of €10–50 a month is charged on top of it. Add-ons you actually use (payslips, scanning, postage) are charged separately.
Insurance (accident, liability and the statutory YEL pension) is arranged separately and billed by the insurance company, not by us. Debt collection is included in the service; Perintäritari Oy charges its own fees directly.
What bookkeeping costs
Never more than €86 a month.
Bookkeeping is billed by time used and stops here. The plan fee of €10–50 a month is charged on top of it.
Part 3
Add-ons, only if you use them
| Add-on | Price |
|---|---|
| Payslip for an employee | €30 each |
| Digital signature | €1.98 each |
| Receipts scanned from post or email | €2.00 each |
| Print and post, Finland (max 6 pages) | €2.49 each |
| Print and post, each page beyond 6 | €0.60 each |
| Print and post, EU (max 6 pages) | €3.85 each |
| Print and post, elsewhere | €4.21 each |
| Getting started and final archiving (one-off) | €49 / 69 / 89, by plan |
| Registering a new business ID (one-off) | €79 |
| Bookkeeping and tax advice, 60 min | €99 |
VAT 0 %.
Part 4
Year end statements
Includes your annual financial statements and income tax return. Just like the monthly bookkeeping, this is billed solely on the actual time our team spends on your documents. As low as €72 a year, with a strict maximum of €192.
| Your case | Estimated time | Year end statement |
|---|---|---|
| Small and straightforward | 15 min, minimum charge | €72 |
| Moderate | 30 min, as actually used | €96 |
| Established | 45 min, as actually used | €120 |
| Professional | 60 min, maximum charge | €192 |
VAT 0 %. Billed once a year, not monthly.
What a real month looks like
Examples, not quotes. Your bookkeeping band depends on your actual activity, and add-ons only if you use them.
| Scenario | Make-up | Monthly | Year end |
|---|---|---|---|
| Books only | invoices elsewhere, Light €10.00 + bookkeeping €21.50 | €31.50/mo | + €72 |
| Starting out | invoices by email, Basic €20.00 + bookkeeping €21.50 | €41.50/mo | + €72 |
| Growing | invoices by email, Basic €20.00 + bookkeeping €43.00 | €63.00/mo | + €96 |
| Busy | e-invoices both ways, Pro €50.00 + bookkeeping €64.50 | €114.50/mo | + €120 |
VAT 0 %. The year end statement is billed once a year, not monthly.
Note
One clear invoice. For the calendar month, dated the last day of that month and issued on the first working day of the next. It bills all tiliguru.fi and Fennoa transactions at actual quantities: nothing estimated, nothing rounded up. You can check those quantities yourself in Fennoa, under Tapahtumien lukumäärät.
Payment terms. 14 days net, or take 2 % off if you pay within 7 days. E-invoice, e-lasku, direct payment and PDF by email are free; a paper invoice costs €10. Tight month? Agree a new date with us before the due date and there is no extra charge. After the due date it is a €12 reminder fee, and statutory late interest is billed on 30 June and 31 December.
Price changes. Prices are reviewed once a year and we tell you at least a month before anything changes. The next planned review is 1 January 2027, unless the law changes in the meantime or we have agreed something different with you.
Terms. We follow TAL2023, the general terms used across the Finnish accounting industry. Notice is three months, counted from the end of the month in which notice is given. Charging begins once you have accepted the general terms and signed the assignment agreement, not before. The service is provided by HR-tilipalvelu Oy, Business ID 2513128-5.
Ready for bookkeeping whose price you know?
Tell us what you do and how your paperwork arrives, and we will tell you which band you land in and what it costs a month.
About 30 minutes. It commits you to nothing.
Frequently asked
- How much does bookkeeping cost for a sole trader in Finland?
- The lowest combination is €31.50 a month (VAT 0 %): the Light plan at €10 and the minimum bookkeeping charge of €21.50. Bookkeeping is billed on time used and never exceeds €86 a month, and the plan fee of €10–50 is charged on top of it.
- What is the bookkeeping ceiling?
- Bookkeeping will not go above €86 a month however many receipts you send. The plan fee of €10–50 a month and any add-ons you use are billed on top of it.
- What do the year end statements cost?
- Financial statements and the income tax return are billed once a year on time used: €72 in the lowest band and no more than €192.
- Can I change plan later?
- Yes. Changing plan is free once a quarter. Make the change before the new quarter starts and it takes effect from the beginning of it.
Tell us what you need, and we will work out what it actually takes.
A free conversation, about 30 minutes: we go through what you invoice, how your paperwork arrives and which plan fits, and tell you which bookkeeping band you land in and what it costs a month. We do not charge for a quote, and the conversation commits you to nothing.