How to create free invoice in finland

How to Create a Free Invoice in Finland(Step-by-Step)

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A correct Finnish invoice takes about two minutes, and it costs nothing. Here is exactly what you will see on each screen, and what to put where.

Before you startYour business name, address and Y-tunnusYour VAT number, if you are VAT registeredYour IBAN, so the customer can pay youYour customer’s name and addressWhat you are billing for and the price
1

Open the invoice tool

Go to laskumaker.fi and choose Create an invoice. No account, no download, no watermark.laskumaker.fiWHAT DO YOU NEED?Invoice  LaskuCreate an invoiceReceipt  KuittiTap Create an invoice

2

Enter your details

Open Your details. Fill in your business name, address, Y-tunnus, VAT number and bank details.laskumaker.fi/invoice/YOUR DETAILSH-ChuksPeuratie 6 E 2090650Oulu2875801-6FI28758016FI21 1234 5600 0007 85OKOYFIHHYour IBAN is where the money arrives. It goes into the bank barcode.Not VAT registered? Tick the box for businesses under the €20,000 threshold. The invoice then prints the correct wording and charges no VAT.

3

Add your customer

Open Customer and enter the company or person you are billing.laskumaker.fi/invoice/CUSTOMEREsimerkki OyKauppakatu 590100Oulu1234567-1Who you are billing. Their Y-tunnus is optional but recommended.

4

Check the invoice number and reference

Open Invoice. The invoice number goes up by one each time. The reference number is created from it automatically, with the check digit Finnish banks require.laskumaker.fi/invoice/INVOICE100110016The reference number is calculated from the invoice number. You never type it.The reference number lets your bank match the payment to this exact invoice. A wrong one gets rejected, which is why the tool calculates it for you.

5

Set the date and payment terms

Choose the invoice date and how long the customer has to pay. The due date is filled in for you.laskumaker.fi/invoice/INVOICE15.09.202614 days29.09.202611,5Change the terms and the due date follows. Or set the due date and the terms adjust.

6

Add what you are billing for

Open Line items. Enter a description, unit price and quantity, and pick the VAT rate.laskumaker.fi/invoice/LINE ITEMSCleaning service, August930,00125,5 % — generalAdd one line per service or product. Each VAT rate says what it covers.Most services use 25,5 %. Food and passenger transport use 13,5 %. If you are unsure, check vero.fi.

7

Add any extra information

If your customer needs a purchase order number or a reference of their own, add it here. Leave it empty if not.laskumaker.fi/invoice/INVOICEYour reference: PO-2026-0912Optional. Printed on the invoice above the payment section.

8

Check the total

The total updates as you type. Check it matches what you agreed with the customer.laskumaker.fi/invoice/Excluding VAT930,00 €VAT 25,5 %237,15 €Total to pay1 167,15 €VAT is worked out per rate and added up for you.

9

Create, then download or share

Tap Create invoice. Choose the invoice language, then download the PDF or share it straight from your phone.laskumaker.fi/invoice/Create invoiceSuomiDownload PDFShareChoose Finnish, English or both side by side. Share sends it to WhatsApp or email.The finished invoice carries a bank barcode. Your customer scans it in their banking app and the IBAN, amount, reference and due date fill in by themselves.

Create a free invoice nowFree · No account · No watermark

Common questions

What is the difference between an invoice and a receipt?An invoice asks for payment that has not been made yet. A receipt confirms a payment that has already happened. If the customer has already paid, you need a receipt instead.
What must a Finnish invoice include?Your name, address and Y-tunnus, the invoice date and a unique invoice number, the customer’s name and address, what you sold with quantity and price, the VAT rate and VAT amount, and the total. The tool includes all of these.
What is a reference number (viitenumero)?A number that identifies this invoice when the payment arrives. It is built from your invoice number with a check digit, so a mistyped reference is caught by the bank.
What does the bank barcode do?Finnish banking apps can scan it. The customer points their camera at it and the account, amount, reference and due date are filled in, so they cannot pay the wrong amount or forget the reference.
Can I send an invoice if I am not VAT registered?Yes. If your turnover is under €20,000 you do not have to register. Tick the not-registered option and the invoice leaves VAT out and says why.