Pricing

Joining fee €0

Registering for the service is completely free and does not obligate you to anything. After registration, you will receive user IDs for our invoicing service and get started as a small business owner. 

Billing fee €0

Creating invoices is easy and fast, and completely free! We do not charge separate costs for sending the invoice. You can also cancel your invoice for free. 

Pricelist for light entrepreneurship

Service fee only 4%

The service fee is only charged when the salary is paid and it is calculated from the invoice amount without VAT. You can combine as many invoices as you want into one salary payment. Note! FLOY's service fee can be deducted in your own taxes as an income acquisition cost. Any additional service fees are also deductible as an income acquisition cost in taxation. *In addition to the service fee, the net salary is affected by the health insurance fee (if you are subject to YEL and under 68), an additional fee of 2.5% and your own withholding tax rate.

Easy, fast and effortless

Start invoicing free of charge

FLOY's service and additional fee includes:

  • Sending invoices: by mail, e-mail or online invoice -Payment monitoring and collection: payment reminders and voluntary collection.

  • Statutory payments and notifications: income tax withholding and value added tax payments

  • Notifications to the income register

  • Delivery of salary certificates

  • Payroll: expense and travel allowances

  • Payment of salary to a small business owner

  • Services required by the Customer Liability Act 

FLOY kevytyrittäjyyden edut helpoittavat arjen ajankäyttöä!

What is the difference between light entrepreneurship and trade name?

The example calculation is made with FLOY’s salary calculator. The calculation shows how much of the work income goes to taxes, SAVA payments, insurance and FLOY’s fee. An example calculation has been made based on the provisions of the reverse value added tax of 0% in the construction industry, which states e.g. km allowance for special fields, as well as value added tax are not needlessly confusing salary calculations. In all other sectors, the salary is also calculated from the VAT-free portion. 

Example 1

Invoicing is for a 2-week contract (10 working days) in the construction sector €3,200 (reverse VAT in the construction sector 0%) | tax rate 19%, YEL obligation has been fulfilled, no expense reimbursements or material purchases. The person lives and the site is located in Helsinki

- Billing amount VAT 0% €3200.00

-SALARY BREAKDOWN -
Gross salary €3200.00
Surcharge (2.5%) - €80.00
SAVA fee (1.34%) -€42.88
Withholding tax - €608.00
Net salary before expenses and allowances €2425.28
FLOY's commission (4%) -€128.00
€2341.12 WILL BE PAID INTO THE ACCOUN

The YEL payment is determined according to the person's estimated annual income

Example 2

The invoice is for a 2-week contract (10 working days) in the construction sector €3,200 (reverse VAT for the construction sector 0%) | tax rate 19%, YEL obligation has been fulfilled, no expense reimbursements or material purchases, The person lives in Lohja and the site is located in Helsinki. The person has to use his own vehicle to transport tools. The mileage is 1200 km. The expense allowances are included in the contract, they are reimbursed to the light entrepreneur according to the rules of the taxpayer's special branch (0.25/km) without withholding.

Invoice amount VAT 0 €3200.00

-COST REDUCTIONS-
Travel expenses (120 km) -€300.0

-SALARY BREAKDOWN-
Gross salary €2900.00 (for the income register €3200.00)
Surcharge (2.5%) - €80.00
SAVA fee (1.34%) -€42.88
Withholding tax - €551.00
Net salary before expenses and allowances €2269.00

EXTRA SERVICES

For instant pay, you must accept the financing company’s terms and conditions. The client of the invoice must also meet certain criteria related to credit information, and the payer of the invoice must accept the information on the invoice, not to complain about it, so that immediate payment is possible. It is possible to get an immediate salary of up to 5,000 euros. For the immediate salary, we charge 5% of the invoice amount (Note: max €5000)Withholding tax – €551.00

If, for example, due to your IT abilities, you are not willing to create your invoice yourself. We can do that for you based on the information you provide. The price of the service is fixed at €10 per invoice.

Floy kevytyrittajyys

Joining fee €0

Registering for the service is completely free and does not obligate you to anything. After registration, you will receive user IDs for our invoicing service and get started as a small business owner. 

Billing fee €0

Creating invoices is easy and fast, and completely free! We do not charge separate costs for sending the invoice. You can also cancel your invoice for free. 

Pricelist for light entrepreneurship

Service fee only 4%

The service fee is only charged when the salary is paid and it is calculated from the invoice amount without VAT. You can combine as many invoices as you want into one salary payment. Note! FLOY's service fee can be deducted in your own taxes as an income acquisition cost. Any additional service fees are also deductible as an income acquisition cost in taxation. *In addition to the service fee, the net salary is affected by the health insurance fee (if you are subject to YEL and under 68), an additional fee of 2.5% and your own withholding tax rate.

Easy, fast and effortless

Start invoicing free of charge

FLOY's service and additional fee includes:

  • Sending invoices: by mail, e-mail or online invoice -Payment monitoring and collection: payment reminders and voluntary collection.

  • Statutory payments and notifications: income tax withholding and value added tax payments

  • Notifications to the income register

  • Delivery of salary certificates

  • Payroll: expense and travel allowances

  • Payment of salary to a small business owner

  • Services required by the Customer Liability Act 

FLOY kevytyrittäjyyden edut helpoittavat arjen ajankäyttöä!

What is the difference between light entrepreneurship and trade name?

The example calculation is made with FLOY’s salary calculator. The calculation shows how much of the work income goes to taxes, SAVA payments, insurance and FLOY’s fee. An example calculation has been made based on the provisions of the reverse value added tax of 0% in the construction industry, which states e.g. km allowance for special fields, as well as value added tax are not needlessly confusing salary calculations. In all other sectors, the salary is also calculated from the VAT-free portion. 

Example 1

Invoicing is for a 2-week contract (10 working days) in the construction sector €3,200 (reverse VAT in the construction sector 0%) | tax rate 19%, YEL obligation has been fulfilled, no expense reimbursements or material purchases. The person lives and the site is located in Helsinki

- Billing amount VAT 0% €3200.00

-SALARY BREAKDOWN -
Gross salary €3200.00
Surcharge (2.5%) - €80.00
SAVA fee (1.34%) -€42.88
Withholding tax - €608.00
Net salary before expenses and allowances €2425.28
FLOY's commission (4%) -€128.00
€2341.12 WILL BE PAID INTO THE ACCOUN

The YEL payment is determined according to the person's estimated annual income

Example 2

The invoice is for a 2-week contract (10 working days) in the construction sector €3,200 (reverse VAT for the construction sector 0%) | tax rate 19%, YEL obligation has been fulfilled, no expense reimbursements or material purchases, The person lives in Lohja and the site is located in Helsinki. The person has to use his own vehicle to transport tools. The mileage is 1200 km. The expense allowances are included in the contract, they are reimbursed to the light entrepreneur according to the rules of the taxpayer's special branch (0.25/km) without withholding.

Invoice amount VAT 0 €3200.00

-COST REDUCTIONS-
Travel expenses (120 km) -€300.0

-SALARY BREAKDOWN-
Gross salary €2900.00 (for the income register €3200.00)
Surcharge (2.5%) - €80.00
SAVA fee (1.34%) -€42.88
Withholding tax - €551.00
Net salary before expenses and allowances €2269.00

EXTRA SERVICES

For instant pay, you must accept the financing company’s terms and conditions. The client of the invoice must also meet certain criteria related to credit information, and the payer of the invoice must accept the information on the invoice, not to complain about it, so that immediate payment is possible. It is possible to get an immediate salary of up to 5,000 euros. For the immediate salary, we charge 5% of the invoice amount (Note: max €5000)Withholding tax – €551.00

If, for example, due to your IT abilities, you are not willing to create your invoice yourself. We can do that for you based on the information you provide. The price of the service is fixed at €10 per invoice.

Floy kevytyrittajyys
Suomen Yrittäjien jäsenyritys - logo
Luotettava Kumppani - merkki
Vastuu Groupin logo
Vastuullisen toimijan merkki
Varman logo
Fennian logo

Create a free FLOY-account & start invoicing!

Already a user?

Sign in

Get started now!

Create a free FLOY-account

HAE