Guides
Guides for entrepreneurs
Clear guides to starting a business, taxes and bookkeeping — in your language.
Toiminimi tax calculator 2026
Work out how much of a sole trader’s profit goes to taxes and YEL and how much you keep.
Open the calculator →Sole trader or limited company? Choosing the right business form in Finland
Toiminimi or Oy? We compare liability, taxation, costs and bookkeeping — and explain which form suits which entrepreneur.
Read guideHow to set up a limited company (Oy) in Finland, step by step (2026)
How to set up an Oy in Finland in 2026: the steps, costs (PRH €300), registers, audit and what to do after founding — a clear guide.
Read guideLight entrepreneurship or a sole trader (toiminimi)? Where to start?
Light entrepreneur or a toiminimi? We compare the costs, deductions, YEL and liability — and tell you which to start with.
Read guideDividend or salary? How to take money out of an Oy tax-efficiently
Dividend or salary from a limited company? We compare the 2026 taxation: the 8% dividend rule, the €150,000 limit and the benefits of salary — and how to combine them.
Read guideHow much does an accountant cost in Finland? Bookkeeping prices
How to compare bookkeeping costs in Finland: package scope, additional work and Debit Credit pricing examples for sole traders and small limited companies.
Read guideToiminimi (sole trader) tax in Finland 2026: worked example
What amount is a Finnish sole trader taxed on in 2026? A worked example, capital vs earned income, private withdrawals, YEL, prepayments and the VAT threshold.
Read guideEntrepreneur’s tax deductions: what expenses can you deduct? (2026)
What can an entrepreneur deduct? Premises, tools, travel, home office, insurance and YEL — a clear list of deductions for a toiminimi and an Oy.
Read guidePrepaid tax (ennakkovero): how an entrepreneur pays tax in advance (2026)
What is prepaid tax and how is it calculated? How to pay your tax in advance, adjust the prepayment, and avoid a back tax and interest.
Read guideVAT (ALV) guide for entrepreneurs in Finland (2026)
What is ALV and when is it mandatory? 2026 VAT rates, the €20,000 threshold, deductions and filing — a clear guide for entrepreneurs.
Read guidePayroll: how to pay an employee’s salary in Finland (2026)
How does payroll work? Withholding, employer side costs (~20%), Incomes Register reporting, and what hiring an employee costs — a clear guide.
Read guideStartup grant (starttiraha) 2026: who gets it, how much and how to apply
Starttiraha 2026: about €800/month for up to 12 months for a new entrepreneur. Who can get it, the conditions and how to apply — a clear guide.
Read guideSwitching accountants in Finland: steps and documents
Plan your accounting firm switch: check your contract, transfer records and agree responsibilities. Debit Credit serves clients in Finnish and Russian.
Read guideBookkeeping for a Finnish association (ry): what the law requires (2026)
Association bookkeeping in Finland: simplified accounts, financial statements, operations auditor or auditor, tax return 6C, VAT and the Incomes Register.
Read guideEstonian OÜ in Finland: registration, VAT, permanent establishment and employees (2026)
An Estonian OÜ working in Finland: business ID and branch, VAT and reverse charge, permanent establishment, the A1 certificate and posted workers.
Read guideReverse charge VAT in construction in Finland: who pays and how to report it (2026)
Construction reverse charge VAT in Finland: when the buyer pays the VAT, what the invoice must say, how to report it in MyTax and the most common mistakes.
Read guideKilometre Allowance, Per Diem and Meal Allowance in Finland 2026
Tax-free travel allowances in Finland 2026: €0.55/km, per diems of €54 and €25, meal allowance €13.50. Conditions, travel claims, logbook and Incomes Register.
Read guideDriver’s log (ajopäiväkirja) in Finland: what the Tax Administration requires
Driver’s log in Finland: the 50 % rule for a sole trader’s car, per-km deduction, car benefit, what to record, apps, how long to keep it and common mistakes.
Read guideYour first employee in Finland: an employer’s checklist for 2026
Hiring your first employee in Finland in 2026: employment contract, tax card, Incomes Register deadlines, TyEL 17.10%, insurance and occupational health care.
Read guideVerotili and self-assessed taxes: VAT, payroll and due dates 2026
What replaced the verotili tax account? Self-assessed taxes in 2026: VAT and employer contributions, due dates, tax periods, references, 9.5% interest, refunds.
Read guideYEL insurance 2026: the entrepreneur’s pension insurance in Finland
YEL in 2026: who must take it out, how YEL work income is set, the 24.4% contribution and 22% new-entrepreneur discount, Kela benefits and tax deduction.
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