About Kassavirtanen.fi service

Invoice without company

Frequently asked questions

  • How much does the start and use of the service cost?

  • Starting is for free, you will pay for the services only if you collect your salary; 2% of the VAT-free sum of the salary.

  • Can I start using service without commitments?

  • There is no any commitment. Users of the Service undertake to comply with the terms and conditions of Kassavirtanen.

  • Can I work in multiple fields?

  • Yes, as many as you wish!

  • Can I invoice you as a light entrepreneur even if I am an entrepreneur?

  • Yes, even if you are an entrepreneur, you can invoice via Kassavirtanen. In this case, we only need your personal tax card for that.

    If you are an entrepreneur and you want to hire an employee, the employee can also use our invoicing service for that. This allows you to get workforce quickly and without any commitments.

  • How does the invoicing happen in practice?

    Invoicing is easy, thanks to our easy invoicing template. The client's information is entered into the template and the invoice sender's information is supplemented. The template gives you clear instructions and by following them the billing process will be easy and fast !

  • How fast will the invoice be forwarded?

    The invoice will be sent to your customer as soon as you approve the invoice to be sent on Kassavirtanen website. As a biller, you will always receive a copy of your invoice in your email. Invoices with a quick pay option are checked within our customer service hours. A separate confirmation request will always be sent on the invoice to the email you have specified. After the confirmation, your quick pay salary can be cashed out.

  • What to do if my customer is on a construction industry and the invoice should be covered by the reverse VAT?

    When you are creating an invoice, choose the option ”I offer construction services (VAT 0%)” and also update VAT % to 0. After that, the invoice will contain a sentence: "On section Arvonlisäverolaki 8 c § provides that the purchaser of a construction service is subject to VAT."

  • My invoice is incorrect. How can I create a credit note?

    1. To cancel an invoice that you have made, remove the incorrect invoice you created from the created invoices list and notify the client directly about it. You can then create a new invoice if needed.


    2. If your customer is a company, it’s often desirable to provide a customer with a credit note to cancel a incorrect invoice and to correct your clients accounting. You can create the credit note by copying the incorrect invoice and adding (-) minus the to the invoiced amount. In this way, the invoice cancels the previous invoice. Send the invoice and then create a new one, if necessary. It is also good to inform your customer about it.

  • How and when will I add costs and reimbursements to my invoice?

    Costs and reimbursements must be added manually to the invoices final amount before the invoice is forwarded to our system. The costs and reimbursements tab allows you to create new expense invoices, which you then add to your final invoice. So remember to add the amount of costs and reimbursements in to your invoice before sending it forward.

  • How are the costs reimbursed?

    The costs associated with the invoice are deducted before the payroll is calculated so no tax or insurances is paid. Documents of costs must also be provided. Missing document may extend your payroll processing time.

    NB! You may be reimbursed for your supplies, materials and travel expenses in your personal tax return. For expenses not specified on your invoice, you can apply for a deduction for earning income..

  • What costs can I deduct from taxation?

    When you are using Kassavirtanen, you can deduct all income-related expenses for tax purposes. These costs include: 2% service fee, YEL and health insurance contribution, travel and insurance charges. You can deduct costs from your personal tax return by filling out a form on deductions for your earnings and include it in your tax return.

  • When will my salary be paid?

    Your salary will be paid to your account after payments arrive to our system, unless your salary is specifically selected for a quick pay. We will notify the user when the payment has arrived and the salary is ready to be cashed out. Wages move like normal bank transfers, with inter-bank transfer times and office hours affecting pay. Payments usually take 2-4 business days to appear in your account after the customer has paid the invoice.

  • Will the possible additional costs be compensated to me?

    The additional costs will be compensated on the basis of appropriate proof. So if you want that the additional cost will be paid to you in addition to the salary, please submit the proof to Kassavirtanen's payroll department. This can be done easily by sending receipts either by email or directly to the service!

  • How will I submit the tax card and what tax card should I use?

    Use a tax card you have received from the Tax Administration. You can use same tax card in many places at the same time. You can deliver your tax card to Kassavirtanen the way you want. You can send us your tax card easily electronically through the form or send that by a post or e-mail. A copy of your tax card is sufficient for us.

  • Can I get household expenses tax credit?

    You are entitled to a tax credit for household expenses if you are working in your home or in your holiday home. Such work includes example cleaning, nursing and care or decorating and renovations. The tax credit for household expenses is granted only on the part of the expenses relating to work not on travel expenses or supplies.
    Read more on Vero.fi.
    Read more on Vero.fi.

  • Can I operate as a light entrepreneur even if I am unemployed?

    Starting from 1 January 2020, Kela and unemployment funds will no longer monitor the activity of the unemployed and will not reduce the unemployment benefit. Read more from Kela's website.

    • Do I need any obligatory insurance?

      You do not need separate insurance when operating through Kassavirtanen. However, you can choose a voluntary insurance on your own information. Kassavirtanen offers the option for accident and liability insurance. accident and liability insurance.

    • What does the optional insurance cover?

      Accident insurance shall pay compensation in the event of an accident, in accordance with the terms, insurance and amounts applicable at the time of the work performed through the service.

      If you are working in a profession which requires separate insurance by law, the accidental insurance provided by Kassavirtanen does not apply.

    • What does the liability insurance cover?

      Liability Insurance reimburses damages up to EUR 1,000,000 in accordance with the terms and conditions of the insurance. The insured will have to pay a deductible of EUR 1,000 for any damage caused. Liability insurance does not cover activities that require separate insurance coverage under the Accident and Occupational Disease Act.

    • How much the liability and accident insurances cost?

      Accident insurance includes also the liability insurance and the total cost is 1,5%. You can purchase the insurance yourself from your own information in your account settings.

    • Do I need any other additional insurances?

      Please contact your insurance provider to find out what kind of insurances you will need. Remember to inform that you are working through Kassavirtanen as a light entrepreneur.

    • Do I accumulate pension?

      The users of Kassavirtanen should be paying YEL insurance to accumulate pension. This means that the users are themselves responsible for getting and paying the insurance, so the user does not automatically accumulate pension as working through Kassavirtanen.

    • What is YEL?

      YEL stands for Entrepreneur's Pension Insurance. If your earnings from 01.01.2020 exceed € 7958.99 in the next 12 months, you are 18-67 years old, you do not qualify for a statutory retirement pension and you repeatedly submit bills through Kassavirtanen, you must take out YEL insurance. When you sign up for the service, you will find a YEL section of your personal information where you can decide how you want to take care of your YEL payments!

    • Do I pay for health insurance?

      Health insurance contribution (1,34%) is mandatory if the light entrepreneur is estimating the minimum of YEL-limit. If the income is less than YEL-limit (7 645,23€), no health insurance contributions will be charged from the light entrepreneur.

      Read more: Vero.fi

Any questions?

Our customer service is here to help you!