Free Invoice Generator (Finland)
Create a Finnish lasku with ALV at the current 25.5% rate calculated in euros and download it as a PDF — a file to print or email, not a verkkolasku sent through an operator.
Saved invoices
Saved automatically in your browser.
Your business name
INVOICE
INV-001
Billed to
Client name
| Description | Qty | Rate | Amount |
|---|---|---|---|
| Item description | 1 | — | €0.00 |
- Subtotal
- €0.00
- ALV (25.5%)
- €0.00
- Total
- €0.00
ALV at 25.5%, the Y-tunnus and the viitenumero
Finland's standard ALV rate is 25.5%. It rose from 24% on 1 September 2024, and the reduced band has moved twice since: most of the old 10% items — books, medicines, accommodation, passenger transport and cultural and sports admissions — went up to 14% on 1 January 2025, and that 14% band came down to 13.5% on 1 January 2026, taking food and restaurant meals with it. A 10% rate survives for newspapers and magazines subscribed for a month or more. The tax line here is preset to ALV 25.5% — type the decimal, it is not a rounding error — and there is only one tax line, so a job spanning two rates is better issued as two laskut.
A lasku needs your name and address, your Y-tunnus and, if you are in the ALV register, your VAT number in the FI form: Y-tunnus 2896331-4 becomes FI28963314. Put both on lines under your business name, because there is no field for either. You also need the customer's name and address, a sequential invoice number, the issue date, the delivery or performance date, a description with quantities, and the ALV shown separately. Under €20,000 of turnover in a calendar year you may be outside the ALV register — Vero looks at the current year and the one before it, so you cannot drop out the moment sales dip — and in that case you clear the tax rate and state in the notes why no ALV is charged, since an invoice with no tax and no explanation invites a query.
Finnish customers pay against a viitenumero, the reference number their bank uses to match a payment to an invoice, and there is no field for it. Put the viitenumero, your IBAN and BIC and your terms in the notes — 14 days for a consumer, 30 for a business, is the usual pattern. Be clear about what this produces, though: a PDF lasku to print or email. It is not a verkkolasku, so a public-sector buyer, or a company exercising its right to demand structured e-invoices to its verkkolaskuosoite, needs an e-invoicing operator instead.
Where the day rate stops and the extras start
Koodivirta bills development by the day and counts half days, so June's sprint on Rautaharju's ERP interface lands at 8.5 at the standard day rate. Everything the day rate does not cover then gets a line of its own: the two days spent on site running the specification workshop carry a higher rate because they swallow travel time as well, the evening go-live support is billed by the hour instead since nobody knows in advance how long a cutover runs, the drive between Tampere and Seinäjoki goes on at the 2026 tax-free kilometre rate, and the monitoring licence bought for the test environment is passed through at cost for three months. Every line sits at 25.5% ALV, mileage included.
| Description | Qty | Rate | Amount |
|---|---|---|---|
| ERP-integraation kehitystyö — päivähinta | 8.5 | €780.00 | €6,630.00 |
| Määrittelytyöpaja asiakkaan tiloissa — päivähinta | 2 | €940.00 | €1,880.00 |
| Käyttöönottotuki iltavuorossa — tuntihinta | 6 | €135.00 | €810.00 |
| Matkakulut Tampere–Seinäjoki — km-korvaus | 312 | €0.55 | €171.60 |
| Valvontatyökalun lisenssi, testiympäristö 3 kk | 1 | €290.00 | €290.00 |
| Subtotal | €9,781.60 | ||
| ALV 25.5% | €2,494.31 | ||
| Total due | €12,275.91 | ||
Type the rate as 25.5 rather than 25 — the half point is real, and a rounded invoice will not tie out against the buyer's ALV return.
The lasku details there is no field for
Y-tunnus and the FI ALV number
Both belong on lines under your business name in the address block, written as 2896331-4 and FI28963314, with a mention of the ennakkoperintärekisteri underneath if your customers check it.
Viitenumero, IBAN and BIC
None of these has a field, so the notes carry all three; without a viitenumero the customer's bank cannot match the payment to the invoice and someone has to reconcile it by hand.
The delivery or performance date
The form gives you issue and due dates only, so put the date the work was delivered, or the period it covers, into the notes or the line description — "työ tehty 1.–30.6.2026" is enough.
ALV typed as 25.5
The standard rate carries a decimal, so check the tax field reads 25.5 before you download. Use 13.5 for food, books, medicines, accommodation, transport and cultural admissions, 10 for newspaper and magazine subscriptions, and never two rates on one lasku.
A reason when there is no ALV
If you are outside the ALV register or the customer accounts for the tax under the reverse charge, clear the tax rate and write the reason in the notes, because an invoice showing no ALV and no explanation gets sent back.
How to create an invoice online
- 1
Fill in the details
Add your business info, your client, line items, tax, and an optional logo or discount.
- 2
Watch the live preview
The invoice updates as you type, so you always see exactly what your client will receive.
- 3
Download the PDF
One click generates a clean, professional PDF invoice — free and without a watermark.
A simple invoice maker for freelancers and small businesses
Everything you need to bill a client properly — and nothing you don't. Create an invoice, check the live preview, download the PDF, get paid.
Instant PDF download
Generate a polished A4 invoice PDF in one click — no waiting, no email required.
No sign-up, no watermark
Completely free to use. Your invoice is yours, with no branding stamped on it.
Private by design
Everything happens in your browser. Your invoice data never touches a server.
Logo, tax & discounts
Add your logo, any tax label and rate (VAT, GST, sales tax), and percentage or fixed discounts.
Saves as you type
Your draft is stored locally in your browser, so an accidental tab close loses nothing.
20 currencies
Invoice in USD, EUR, GBP, INR, JPY and more, with correct rounding for each currency.
Frequently asked questions
What are the ALV rates in Finland right now?
25.5% is the standard rate and has been since 1 September 2024. The main reduced rate is 13.5% from 1 January 2026, down from 14%, and it covers food, restaurant meals, books, medicines, accommodation, passenger transport and cultural and sports admissions. A 10% rate remains for newspaper and magazine subscriptions of a month or more. Confirm with Vero or your kirjanpitäjä before invoicing anything unusual.
Can I add a viitenumero?
Not as its own field, but the notes take it — write "Viitenumero 2611879" beside your IBAN so the payment reconciles automatically. The number is your invoice number with a check digit calculated on the 7-3-1 weighting, which your accounting software will produce for you.
Where does the Y-tunnus go?
On a line under your business name in the address block, together with the FI-form ALV number if you are registered. Add "Merkitty ennakkoperintärekisteriin" on the next line, since business customers often check that before they pay a contractor.
Will this send a verkkolasku?
No, it produces a PDF and nothing is transmitted anywhere. Finnish public bodies, and companies that have asked for structured e-invoices to a verkkolaskuosoite, need a verkkolasku delivered through an operator — use this for customers who accept a PDF by email.