You do the work. Truster handles the rest.

#Light entrepreneurship — the easiest way to employ yourself

Light entrepreneurship is the fastest way to turn your skills into money. You register for free, create an invoice, and we handle the rest: sending the invoice, tracking payment, VAT, withholding tax according to your tax card, and paying your salary straight to your account. You don't need a Business ID (Y-tunnus), starting capital or an accountant — and you're not committing to anything. With the commission model, you pay 3.99% only on the amounts you invoice, and if you invoice regularly, the flat €55/month plan with no commission works out cheaper.

Your protection as an entrepreneur is also taken care of: you apply for YEL pension insurance directly in the app once your income thresholds are exceeded, and Truster Turva brings accident, liability and legal expenses insurance to your gigs. You deduct work-related purchases, mileage and per diems by scanning a receipt — they're automatically factored into your payroll. Tax-free expense reimbursements work the same way: in 2026, the mileage allowance is €0.55/km and the full daily allowance €54, when reimbursements have been agreed with the client in advance. Light entrepreneurship suits full-time entrepreneurs just as well as those doing gigs alongside studies, a salaried job or retirement: you invoice when there's work, and pay nothing when there isn't. Registration is free, and you can send your first invoice as early as today.

More on insurance and contract templates: Truster Turva →

#As your business grows, Truster grows with it

With the Sole proprietorship service, we register your Business ID (Y-tunnus) for you, typically within 1–2 business days, and take care of single-entry bookkeeping, VAT filings and your annual business tax return. You don't need a separate business account, and Maksuvahti sends reminders to your clients and handles collections for you. For full control, the Sole proprietorship – Own account model pays invoices directly into your own bank account, and you match bank statement transactions to your bookkeeping in a couple of taps.

For businesses, we offer the same platform through our open API and Truster Platform: send invoice batches to as many as a hundred workers with a single invite or file upload, generate DAC7 annual reports at the click of a button, and run payroll with our Payoll product. You can switch between services at any time — your clients, invoices and full history come with you. Statutory YEL pension insurance is also handled directly in the app together with our partner Ilmarinen, and new entrepreneurs get a 22% discount on their insurance premium for the first four years.

#A secure Finnish partner

Truster is a Finnish payment institution founded in 2019 and authorised by the Financial Supervisory Authority (Finanssivalvonta): your money moves under regulatory oversight, and your salary is paid as agreed. So far, more than €450 million has been invoiced through us, and over 430,000 invoices have been sent. We build all the essentials ourselves — the apps, bookkeeping, Secure Mail with electronic signatures, and an AI assistant that answers your questions around the clock, with sources included. Strong bank authentication keeps your account yours, and your data is stored encrypted. Payroll reports to authorities are sent directly to the Incomes Register on time, and the same platform also runs our operations in Sweden. That's why more than 55,000 users — from food couriers to consultants, and photographers to construction workers — handle their invoicing with Truster.