Invoices and receipts Finland accepts
Reference number, VAT breakdown and the scannable bank barcode are calculated for you. Free, no account, no watermark — and nothing ever leaves your device.
Katuosoite 1
90100 Oulu
Y-tunnus 1234567-1
Your customer points a camera at this. OP, Nordea and S-Pankki fill in the account, amount, reference and due date automatically.
Actual output. Black and white, A4, the layout a Finnish bookkeeper expects.
Made for Finland
Four things international tools get wrong
An invoice template from anywhere else looks right and fails quietly. These are the details that decide whether you get paid on time.
The reference number is not a number you choose
It is calculated from your invoice number with the 7-3-1 check digit. Get it wrong and the bank rejects the payment. We work it out every time.
The bank barcode is 54 digits in a fixed order
IBAN, amount, reference and due date, encoded as Code 128. Scanned in a Finnish banking app, it fills the whole payment in. Almost no free tool produces one.
Four VAT rates, and the right one depends on what you sell
25,5 %, 13,5 %, 10 % and 0 %. A delivery courier charges 25,5 %, not the food rate. Each option says plainly what it covers.
A mistyped business ID reaches your customer’s bookkeeper
Every Y-tunnus is checked against its mod-11 digit as you type, on both sides of the invoice.
Which one do you need?
Lasku or kuitti
The two words get mixed up constantly. The difference is only whether the money has already moved.
Lasku
INVOICE · NOT PAID YET
You are asking a customer to pay. Carries the reference number, due date and the bank barcode so they can pay it in seconds.
Kuitti
RECEIPT · ALREADY PAID
You are confirming money you have received. For shops, market stalls and private sales on Tori.fi or at the kirpputori.
How it works
Three steps, on any device
No installation, no account, no trial that expires.
Enter your details once
Name, address, Y-tunnus and IBAN. Saved in your own browser, so the next invoice opens already filled in.
Add the customer and the work
Pick the VAT rate from a list that explains each one. Totals, reference number and barcode calculate themselves.
Download or share
The PDF appears straight away. Save it, or send it to WhatsApp or email from your phone.
Your bank details never reach us
The PDF is built inside your browser. We could not read your invoices if we wanted to, and we could not hand them over if we were asked.
Good to know
Questions people ask first
Is it really free?
Yes. Unlimited documents, no watermark, no account. Later we will charge for things that cost money to run — saving your history across devices and sending invoices electronically through a Finnish operator. The generator itself stays free.
Do I need a Y-tunnus?
To send a real invoice in Finland, yes. For a receipt you can choose a private sale, which needs no business ID and no VAT — that is the option for flea markets and Tori.fi.
Which VAT rate applies to my work?
It follows what you sell, not your industry. A food delivery courier charges 25,5 %, because the restaurant sells the food and you sell a delivery service. Taxi and passenger transport is 13,5 %. Our guides cover the rest.
Can I write in English and send in Finnish?
Yes, and that is the point. The form can be in English while the invoice prints in Finnish, so your customer’s bookkeeper sees exactly what they expect.