UKKO Entrepreneur for Solo TradersCreate invoices, track your income, and let us handle the bookkeeping and regulatory filings. Get everything you need to manage your Private Trader finances in one place — without the hassle.
When your bookkeeping is taken care of without the extra effort, you have more time and energy to focus on your business.
Send an invoice or log a receipt. We handle the bookkeeping and regulatory filings — accurately and on time.
The service is designed for the everyday needs of entrepreneurs. You get an intuitive tool and the support of financial management experts.
One flat fee covers everything you need to manage your Private Trader finances. No per-receipt extra charges. Starting from just €24.90/month.
Financial management doesn’t have to be a burden. With UKKO Entrepreneur, bookkeeping, invoicing, and regulatory filings are all taken care of — accurately, on time, and without surprises.
Let’s make entrepreneurship easier together. We’ll register your Private Trader business for free or handle the switch from your current accounting firm on your behalf.
Use the service on your phone, computer, or tablet — wherever you are. The app is built for the everyday life of an entrepreneur. Create invoices, capture receipts, and track your business finances with just a few taps. Everything works smoothly and quickly.
If you’re already operating as a Private Trader, we handle the entire switch from your current accounting firm from start to finish. We can also help sort out any overdue bookkeeping if needed. Read more about switching accounting firms.
No Business ID yet? We’ll register your Private Trader business completely free of charge. Save up to €115 in registration fees and get your Business ID right away. Read more about registering.
We serve thousands of entrepreneurs across a wide range of industries, and we understand the day-to-day realities and obligations of running a Private Trader business. We make sure your bookkeeping and regulatory filings are handled correctly and on time — so you can focus entirely on your business.
Try the service free for 30 days — or until you start earning, for up to 6 months. No commitment, no complicated process. Give it a go and decide for yourself.
We register your Private Trader business for free and your Business ID is ready to use straight away.
We keep your single-entry bookkeeping up to date on a cash basis.
We prepare and submit your VAT and tax returns on your behalf — always on time.
Send as many invoices as you need — by email, post, or as e-invoices.
Take a photo of a receipt and save it directly to the service. We store all documents for bookkeeping purposes.
Get your official business reports ready-made. See your results clearly and meet all statutory requirements.
Monitor your bookkeeping status through clear, easy-to-read reports.
Stay on top of your business finances at a glance. Always know how much is coming in and going out.
Get expert guidance on using the service — by phone or email. Don’t hesitate to ask; we’re here to help.
Save your customers and products in advance to speed up invoicing and reduce errors.
Receive purchase invoices directly in the service. Everything stays in one place for bookkeeping.
Keep track of all your business trips in one place. Your data is ready when you need it for tax deductions.
+ VAT 25,50%
+ VAT 25,50%
+ VAT 25,50%
Need insurance, a business account and payment card, or the ability to invoice internationally? Find all the key additional services in one familiar place.
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
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 
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.
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.
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.
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 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 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.
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.
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.
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.
Use it on your computer, tablet, or phone — wherever and whenever you need it.
Whether you’re just starting out or growing an existing business, our flexible service adapts to a wide range of needs across many different industries.
The service is a great fit if you:
Things to keep in mind:
Whether you’re starting a business, switching accounting firms, or thinking about your next move, we’ve got you covered. You get an easy-to-use service, financial management experts, and clear guidance — all in one place.
We help you with any questions related to entrepreneurship — by phone or email. Clear, practical answers, without the accounting jargon.
Entrepreneur School offers clear articles, guides, and courses covering all stages of running a business.
A Private Trader is required by law to record all business income and expenses in accordance with the Accounting Act. Bookkeeping is used to monitor the financial position of the business and to ensure that tax returns are filed correctly.
A Private Trader may use single-entry bookkeeping if the business is small-scale and does not require double-entry bookkeeping.
A Private Trader’s profit is taxed as the entrepreneur’s personal income. The business profit is split between earned income and capital income.
Taxes are paid as prepayments, which the Tax Administration sets based on estimated profit. If your profit changes, you can adjust your prepayment tax during the year.
A Private Trader cannot pay themselves a salary — instead, money is withdrawn as owner’s drawings. Drawings are not considered salary and are not subject to separate payroll tax. The business profit is taxed as personal income regardless.
As a Private Trader, you create an invoice that includes all mandatory details: your Business ID, invoice date, a unique invoice number, client information, a description of the service or product, and VAT information (if you are VAT-registered). Invoicing tools like UKKO Entrepreneur make creating invoices straightforward and ensure all legally required fields are included correctly.
The law does not require you to use an accountant, but your bookkeeping must be done correctly and kept up to date. Many entrepreneurs choose to outsource their bookkeeping to save time and avoid errors in their tax returns. With UKKO Entrepreneur, your bookkeeping, VAT returns, and tax returns are all handled on your behalf.
In cash-basis bookkeeping, income and expenses are recorded when money actually changes hands — not when an invoice is sent or received.
This is the most common bookkeeping method for small Private Trader businesses and makes it easy to keep a clear, straightforward view of your finances.
As an entrepreneur, you are responsible for ensuring that the information, receipts, and transactions you submit for bookkeeping are accurate. When you use UKKO Entrepreneur, we review your bookkeeping based on the information you provide before any filings are submitted.
If you spot a mistake, we’ll help you correct it. By submitting your business receipts to us monthly, your bookkeeping stays consistently up to date.
Doing your own bookkeeping often carries risks that can lead to additional enquiries from the tax authority or tax penalties.
Yes, you can. If you switch to UKKO Entrepreneur during the year, we’ll handle the transition from your current accounting firm on your behalf. We can also sort out any overdue bookkeeping if needed.
Interested in hearing more about our services?
Leave your contact details below and we’ll be in touch shortly.
Even small steps move you forward — entrepreneurship starts with a single decision.
Create an account and get in right away. Explore the service and choose whether you want to start a company or use an existing business ID.
UKKO Entrepreneur+ alv 25.5 %
If you are a new private trader:
If you already have a business ID:
With UKKO Entrepreneur, you know what you’re paying for:
“Ennen UKKO Yrittäjää minulla oli kolme eri kirjanpitäjää. Aluksi palvelu oli hyvää, mutta vuosi vuodelta taso laski ja hinnat nousivat. Ukon kanssa olen saanut tasaisen laadukasta palvelua ja selkeän kiinteän hinnan.”
Sanna Kissakangas
Toimittaja
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In Finland, over a hundred thousand entrepreneurs already work as Private Traders across a wide range of industries — including hairdressers, graphic designers, consultants, construction professionals, massage therapists, and taxi drivers. As a Private Trader, you can work either as your primary occupation or alongside other employment.
UKKO Entrepreneur is right for you if you:
- Want a modern, easy way to handle your Private Trader bookkeeping and invoicing
- Want to focus on your work, not your paperwork
- Are considering entrepreneurship or want to test a business idea
- Are interested in running a business but find the financial side daunting
- Are unemployed and want to create your own employment as an entrepreneur
- Find the bureaucracy and forms that come with entrepreneurship overwhelming
The fixed monthly price includes bookkeeping, unlimited invoicing, regulatory filings, and handy tools for tracking your finances. No hidden fees, no surprises.
The first 30 days are always free. After that, the next 6 months at half price: €39.90/month (normally €79.90/month).
You don’t pay until you receive your first payment from a client. If you don’t earn any income during the first 6 months, the service is completely free.
Choose annual billing and pay less: €73.25/month + VAT (normally €79.90/month). You can switch to annual billing at any time in your account settings.
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Over 200,000 registered users trust UKKO.fi.
Over 200,000 registered users trust UKKO.fi.
Let us make entrepreneurship easier for you. With UKKO Entrepreneur, your financial management is taken care of, you save time, and you always have a real-time view of your business finances.
We’ll register your Private Trader business completely free of charge, or handle the switch from your current accounting firm on your behalf.
Send and receive invoices as e-invoices, by email, or by post. Stay on top of your business finances with real-time financial tracking. Customer and product registers make financial management even easier.
Take advantage of additional services too — get a UKKO Business Account with a linked payment card, and insurance.
Hyödynnä myös lisäpalvelut, Hanki UKKO yritystili ja tiliin liitetty kortti, vakuutukset
You don’t need to worry about your VAT and tax returns — we file them with the tax authority on your behalf.
If you’re already operating as a Private Trader, we handle the switch from your current accounting firm and take care of any overdue bookkeeping if needed.
Here’s how the switch works:
UKKO Light Entrepreneur
Customer Service 
UKKO Light Entrepreneur
