Customer Service 
The trusted partner for every entrepreneur
With us, entrepreneurship puts a smile on your face. You get bookkeeping, invoicing, and expert support — whether you’re sending your first invoice or already running your own business.
UKKO Light EntrepreneurFor beginners and occasional invoicers
- Focus on your work — we’ll take care of everything else
- Get started without a Business ID (Y-tunnus), or create your own Business ID for free
- Finland’s most popular light-entrepreneur invoicing service
UKKO EntrepreneurFor sole proprietorships and small limited companies
- Monthly fee includes everything you need
- For existing and new businesses
- An easy tool for managing your finances
From light entrepreneurship to your own Limited Company
Services for every stage of your entrepreneurship journey
Whether you’re just trying out light entrepreneurship or already growing your own business, we’re with you every step of the way. Start as a light entrepreneur, register as a Private Trader or Limited Company, and grow at your own pace.
You also have access to additional services that make everyday life easier and support your growth — such as a business account and insurance, which integrate directly with your financial management.
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Light entrepreneurship is the easiest way to get started
Do the work, send an invoice, and receive your earnings — it’s that simple. You can work as a light entrepreneur with or without a Business ID. Focus on your work — we’ll handle the bureaucracy.
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A Private Trader business for more established entrepreneurship
When work becomes more regular, setting up a Private Trader business may be your next step. Register your Business ID easily in our service and manage all your Private Trader financial management in one familiar place. We also help with switching accounting firms.
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When you grow, a Limited Company is the natural next step
As your turnover grows, a Limited Company opens up more possibilities. Set up a Limited Company easily and manage your finances in the same service.
Trusted by entrepreneurs
We help entrepreneurs focus on their work. We handle the financial management. Easy-to-use services, expert support, and modern tools make everyday life run smoothly.
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Registered entrepreneurs
Entrepreneurs from various industries, from freelancers to sole traders and limited companies, have trusted the service since 2012.
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Customer service satisfaction
Our knowledgeable customer service and finance team support you online, by phone, and by email.
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Entrepreneurship experts
Get support with tax returns, bookkeeping, and general business questions. You’re never alone at any stage of your entrepreneurship journey.
Run your business from anywhere
Send invoices, save receipts, and track your business finances in real time — wherever and whenever you need to. Everything important is always with you. Our services are available via mobile app and web browser.
- Capture receipts and save them in seconds
- Send and receive invoices with ease
- Track income and expenses at a glance
- Manage customer and product information effortlessly
Easy-to-use tools combined with expert support
UKKO.fi is more than just software. Our services guide users to do things correctly and handle many routine tasks automatically — freeing up more time for actual entrepreneurship. Behind the scenes, our experts process invoices and receipts and carry out regular tasks to keep your bookkeeping in order.
Compare services
From light entrepreneurship to a limited company – find out which business form suits you best!
Without a Business ID |  With a Business ID | Private TraderLITE | Private Trader |  Limited Company | |
|---|---|---|---|---|---|
Value added tax will be added to the prices shown in the table.
*+ 3% UKKO Turva insurance is mandatory for light entrepreneurs.
A reliable partner in entrepreneurship
We operate in compliance with regulations and actively advocate for entrepreneurs
We understand the realities of entrepreneurship and actively develop the operating environment together with authorities. Safety, transparency, and the entrepreneur’s best interests guide everything we do.
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Entrepreneurs first
- We are a member of Uusi Työ ry
- We maintain an active dialogue with the Tax Administration and other authorities
- We work to influence legislation affecting entrepreneurship
- We stand up for the rights of small entrepreneurs and make their voices heard
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Reliable and secure
- We protect your identity with strong authentication
- We comply with high data security and privacy standards
- We ensure your data is handled in accordance with the law
- Your financial management is handled securely and transparently
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Transparent operations
- The Finananssivalvonta and AVI oversee our operations
- We comply with anti-money laundering legislation and KYC obligations
- Your money and data are protected
Your partner in entrepreneurship
Need help choosing the right business structure?
We’ll help you choose between light entrepreneurship, a Private Trader business, or a Limited Company. Get a clear assessment of your situation at no cost.
Leave a contact request
Calculator
How much do entrepreneurs in your industry charge for their work?
Check average hourly rates across different industries and easily estimate your own invoicing level. Our free calculator helps you price your work correctly.
Try the entrepreneur salary calculator
Whatever else you need, we’ve got you covered
Need insurance, a business account and payment card, or the ability to invoice internationally? Find all the key additional services in one familiar place.
From 15 € / month + VAT
Open a business account fast
Get a business account and payment card quickly and easily — in as little as one business day. UKKO Business Account connects your payments and bookkeeping, so transactions and transfers are recorded automatically and you can see your up-to-date financial position in one place. Clear, affordable monthly pricing with no hidden fees.
UKKO Business Account
30 € / month + VAT
Protect your business the right way
UKKO Assurances brings extra security to your everyday life as an entrepreneur. It includes liability and accident insurance, legal expenses insurance, and legal assistance for situations where you need expert support. You also get access to useful contract and document templates, plus valuable perks that make running your business easier and give you more confidence.
UKKO Assurance 
20 € / month + VAT
Faster and more personal service
With UKKO Plus, you get a dedicated financial management expert team by your side, processing your documents with priority. We also file your VAT and tax returns, as well as your EU summary reports, among the first in line.
10 € / month + VAT
Expand and invoice internationally
Invoice international clients without the hassle. With UKKO Foreign Trade, you can invoice your international clients in euros, in Finnish or English. We handle all VAT filings related to foreign trade on your behalf.
5% of invoiced amount + 10 € processing fee + VAT
Get paid faster with UKKO Financing
Receive your money sooner, even when your client has a longer payment term. Send your invoice through UKKO.fi to our financing partner Rahoo and you could receive the funds up to 14 days earlier. Keep your cash flow steady and focus on your work without worrying about delayed payments.
From 15 € / month + VAT
Open a business account fast
Get a business account and payment card quickly and easily — in as little as one business day. UKKO Business Account connects your payments and bookkeeping, so transactions and transfers are recorded automatically and you can see your up-to-date financial position in one place. Clear, affordable monthly pricing with no hidden fees.
UKKO Business Account 30 € / month + VAT
Protect your business the right way
UKKO Assurances brings extra security to your everyday life as an entrepreneur. It includes liability and accident insurance, legal expenses insurance, and legal assistance for situations where you need expert support. You also get access to useful contract and document templates, plus valuable perks that make running your business easier and give you more confidence.
UKKO Assurance 20 € / month + VAT
Faster and more personal service
With UKKO Plus, you get a dedicated financial management expert team by your side, processing your documents with priority. We also file your VAT and tax returns, as well as your EU summary reports, among the first in line.
10 € / month + VAT
Expand and invoice internationally
Invoice international clients without the hassle. With UKKO Foreign Trade, you can invoice your international clients in euros, in Finnish or English. We handle all VAT filings related to foreign trade on your behalf.
5% of invoiced amount + 10 € processing fee + VAT
Get paid faster with UKKO Financing
Receive your money sooner, even when your client has a longer payment term. Send your invoice through UKKO.fi to our financing partner Rahoo and you could receive the funds up to 14 days earlier. Keep your cash flow steady and focus on your work without worrying about delayed payments.
Corrections to bookkeeping
For example, reopening the accounting for a month that has already ended, accounting for arrears, extending the deadline, or making corrections due to late payment.
Over 229,000 registered users trust UKKO.fi.
Over 229,000 registered users trust UKKO.fi.
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Entrepreneurship starts with a decision
UKKO.fi brings together light entrepreneurship and business financial management. Start safely and focus on what you do best.
- Join and start for free
- Save time and effort
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