Who it's for
Made for the Finnish sole trader
Tiliguru.fi is for people running a sole trader business: you have a Business ID, you invoice your own clients, and you would like the bookkeeping to stop being your problem.
What is your situation
The four most common starting points, and what happens next in each.
- 1Just startingNo Business ID yet? We will register one for €79 (one-off) and set everything up at the same time. Or start on Palkkaguru without a company at all, and move here when you outgrow it.
- 2Already trading, doing it yourselfSigning up is fast. You get your own login. Allow one to two working days to set up an account.
- 3Already trading, with an accountantMost people switch at year end or after an unexplained price rise. Check your notice period; three months is standard, including ours.
- 4Growing out of a sole trader businessWhen it is time to become a limited company, HR-tilipalvelu handles that side. You will not have to start again with strangers.
This is probably right for you, if…
- You have a Business ID, or you are about to.
- Your business banking is at a Finnish bank with machine-readable statements.
- You invoice anywhere from a couple of times a year to weekly.
- You want a real accountant on the other end, not just software.
- You would rather know your ceiling than be surprised by an invoice.
This is probably not right for you, if…
- You run a limited company or you are an association. Limited companies are served under our HR-tilipalvelu name, where the service is built for the extra obligations a company carries.
- You do not have a Business ID and do not want one. Look at Palkkaguru instead: you invoice, they handle the tax, you get paid a salary.
- Your bank cannot provide a machine-readable statement. The automation is the service. Without the feed we would be retyping your bank statement, and you would be paying for it.
- You want the bookkeeping done once a year. We can, on the Light plan, but you will pay for the time it takes, and you would probably be happier somewhere cheaper.
Three services under one roof
Palkkaguru.fi and tiliguru.fi are registered auxiliary business names of the same authorised accounting firm, HR-tilipalvelu Oy. Move between them as your business changes, without changing accountants.
No Business ID, and not planning one
Palkkaguru offers transparent pricing with no hidden costs. The commission starts at 1.9 % of the invoice amount excluding VAT, and the service can include extensive accident and liability insurance.
Palkkaguru.fi
You are hereYou have a Business ID, or you want one
Three plans. Bookkeeping billed by the time it takes, never more than €86 a month, with a plan fee of €10–50 on top.
See the prices
A limited company or an association
HR-tilipalvelu handles all business accounting, e-accounting and payroll. A full-service authorised accounting firm that puts company law matters in order first.
hr-tilipalvelu.fiReady for clear accounting?
Get started today with modern digital bookkeeping built for your business.
About 30 minutes. It commits you to nothing.
Frequently asked
- Is this suitable for a limited company?
- No. Limited companies and associations are served under our HR-tilipalvelu name, where the service is built for the extra obligations a company carries. It is the same accounting firm, so moving does not mean a new accountant.
- What if I do not have a Business ID yet?
- We will register one for €79 (one-off) and open the service at the same time. If you do not want a Business ID at all, Palkkaguru is the right place: you invoice, they handle the tax, you get paid a salary.
- When is a good time to change accountant?
- Most people switch at year end or after an unexplained price rise. Check your notice period; three months is standard, including ours.
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.