What makes up the price of bookkeeping?
An accounting firm usually prices the work by the number of source documents (tosite) and the scope of services. A source document is a single accounting item (an invoice, a receipt), and one bank transaction (maksutapahtuma) generally produces one source document. The more transactions and the more complex the business, the higher the price.
- Company form: a toiminimi is lighter than a limited company.
- Number of source documents: purchase and sales invoices, receipts, bank transactions.
- Payroll: the number of employees and pay periods.
- VAT return frequency (monthly/quarterly/annually).
- Financial statements and tax return (often a separate annual fee).
- Advice and consulting.
Examples of Debit Credit packages
Micro — €34.90/month: simplified bookkeeping for a sole trader, 1–10 payment transactions a month. Mini — €55.00/month: double-entry bookkeeping for a sole trader or small Oy, 1–10 transactions. Basic — €93.50/month: 10–20 transactions and one salary calculation.
These examples are from our own price list and exclude VAT. Annual work and additional services are charged separately; see the pricing page for the full package scope.
Fixed monthly price or hourly?
A fixed monthly price or package makes costs predictable — you know in advance what you pay. Hourly billing can be cheaper for a very small operation, but the invoice can surprise you. For most entrepreneurs a clear package price is the safest choice.
Watch out for hidden costs
- Extra source-document fees if your package limit is exceeded.
- A separate, sometimes surprisingly large annual fee for financial statements.
- Per-minute or per-call charges for advice.
- Onboarding or setup fees.
Should you do the bookkeeping yourself?
For a toiminimi you can in principle do simple bookkeeping yourself, but mistakes in VAT or missed deductions often cost more than an accountant’s fee. For a limited company, double-entry bookkeeping and financial statements should almost always go to a professional.
Clear pricing without surprises
The Vaavo client portal is included in every package, starting with Micro. Invoicing in the portal, documents, banking, the electronic mileage log and Apuri require no separate Vaavo subscription. Additional work performed by your accountant is charged according to the price list.
Frequently asked questions
- How much does bookkeeping cost for a toiminimi?
- At Debit Credit, Micro costs €34.90/month for simplified sole-trader bookkeeping with 1–10 payment transactions. Mini provides double-entry bookkeeping at €55.00/month for the same transaction volume. VAT is added, and annual work is charged separately.
- What is included in the monthly price?
- Usually ongoing bookkeeping, VAT returns and a monthly report. Financial statements and payroll may be separate — in our packages the contents are stated clearly.
- Can I do the bookkeeping myself?
- For a toiminimi it is possible, but mistakes and missed deductions often cost more than an accountant. For a limited company a professional is practically essential.
- Does an accountant save money?
- A good accountant finds deductions and optimises taxes legally, so the fee often pays for itself — and you save time.
Need help?
Discuss starting a business, switching accountants or ongoing bookkeeping anywhere in Finland. Our accountants speak Finnish and Russian. Prices are published, and Vaavo is included in every package.
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