{"id":5341,"date":"2025-12-11T02:17:17","date_gmt":"2025-12-11T00:17:17","guid":{"rendered":"https:\/\/kevyesti.fi\/?p=5341"},"modified":"2025-12-11T02:17:18","modified_gmt":"2025-12-11T00:17:18","slug":"light-craftsmans-tax-2025-a-clear-and-up-to-date-guide-for-the-beginning-light-craftsman","status":"publish","type":"post","link":"https:\/\/kevyesti.fi\/en\/artikkelit\/kevytyrittajan-verotus-2025-selkea-ja-ajantasainen-opas-aloittavalle-kevytyrittajalle\/","title":{"rendered":"Taxing the Light Entrepreneur 2025 - A clear and up-to-date guide for starting a light entrepreneur"},"content":{"rendered":"<p>More and more light entrepreneurs want to know, <strong>how taxation will work in 2025<\/strong>.<br>Is it complicated? Do I have to file a tax return myself? And how are taxes deducted from my salary?<\/p>\n\n\n\n<p>The good news: the taxation of the light entrepreneur is <strong>much easier<\/strong> than a partnership or limited company.<br>This guide explains everything clearly - without the clutter.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udcbc <strong>How does the taxation of the light entrepreneur work?<\/strong><\/h1>\n\n\n\n<p>Light entrepreneur <strong>NOT self-employed for tax purposes<\/strong>, if he or she uses the billing service.<br>This means:<\/p>\n\n\n\n<p>\u2714 you do not need a Y-identification<br>\u2714 you do not make VAT returns yourself<br>\u2714 you do not keep records<br>\u2714 you do not pay advance taxes like a sole trader<\/p>\n\n\n\n<p>In the eyes of the tax administration, you are <strong>employee<\/strong>, even if you are entrepreneurial.<\/p>\n\n\n\n<p>All taxes are handled automatically by the billing service.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83e\uddfe <strong><a href=\"https:\/\/www.vero.fi\/\" data-type=\"link\" data-id=\"https:\/\/www.vero.fi\/\" rel=\"noopener\">What taxes will a light entrepreneur have to pay?<\/a><\/strong><\/h1>\n\n\n\n<p>Kevyesti.fi pays your wages <strong>in accordance with withholding tax<\/strong>, in which case your salary is subject to the same taxes as an ordinary salary.<\/p>\n\n\n\n<p>These are done automatically:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Withholding tax<\/h3>\n\n\n\n<p>According to your tax rate (upload your tax card to the service).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714Employment pension contribution (TyEL)<\/h3>\n\n\n\n<p>Mandatory just like an employee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Accident insurance<\/h3>\n\n\n\n<p>Included in the service fee or included in the service (included in Kevyesti.fi).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Sotu payments<\/h3>\n\n\n\n<p>Managed through the billing service.<\/p>\n\n\n\n<p><strong>You don't have to pay for any of these yourself.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u26a0\ufe0f <strong>Does a light entrepreneur have to pay YEL insurance?<\/strong><\/h1>\n\n\n\n<p>Yes - <strong>if<\/strong> you meet the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you are regularly engaged in light entrepreneurship AND<\/li>\n\n\n\n<li>your estimated earned income exceeds the YEL minimum (approx. 9 010 \u20ac \/ year in 2025)<\/li>\n<\/ul>\n\n\n\n<p>So YEL does not apply:<\/p>\n\n\n\n<p>\u2714 random factors<br>\u2714 students<br>\u2714 Secondary employees<br>\u2714Shift workers with less than 9k\/year income<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udccc <strong>What about VAT? Does a light entrepreneur have to worry about it?<\/strong><\/h1>\n\n\n\n<p>Most commonly <strong>EI<\/strong>, because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the invoicing service takes care of VAT<\/li>\n\n\n\n<li>VAT included in the service fee<\/li>\n\n\n\n<li>you do not need to submit VAT returns<\/li>\n<\/ul>\n\n\n\n<p>VAT becomes important ONLY if:<\/p>\n\n\n\n<p>\u2714 you do B2B work (corporate clients)<br>\u2714 service requires specification of VAT<\/p>\n\n\n\n<p>But even then, the billing service will handle the notifications.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udcb0 <strong>How much of your salary is taxed?<\/strong><\/h1>\n\n\n\n<p>Here is a simple example:<\/p>\n\n\n\n<p>\ud83d\udc49 Invoicing: <strong>1 000 \u20ac<\/strong><br>\ud83d\udc49 Tax rate: <strong>20 %<\/strong><\/p>\n\n\n\n<p>Reduction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>withholding tax<\/li>\n\n\n\n<li>TyEL<\/li>\n\n\n\n<li>accident insurance<\/li>\n\n\n\n<li>service fee<\/li>\n<\/ul>\n\n\n\n<p>Net pay to account: <strong>around 650-720 \u20ac<\/strong><\/p>\n\n\n\n<p>The exact amount depends on the tax card, the cost structure and the service charge.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u26a1 <strong>Kevyesti.fi advance salary and tax treatment<\/strong><\/h1>\n\n\n\n<p>If you raise <strong>advance<\/strong>, it is taxed in the same way as a normal salary:<\/p>\n\n\n\n<p>\u2714 taxes automatically<br>\u2714 expenses deducted<br>\u2714 same day payment to your account<\/p>\n\n\n\n<p>This is useful if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>customers are slow to pay<\/li>\n\n\n\n<li>you need money fast<\/li>\n\n\n\n<li>you have an irregular income stream<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83c\udfaf <strong>What do I need to do for my own tax?<\/strong><\/h1>\n\n\n\n<p>The light entrepreneur is only responsible for:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 Check your tax card on your own tax.fi website<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 Provide information to the billing service<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">3\ufe0f\u20e3 Declare any deductions you may have made (e.g. for work equipment) in your tax return<\/h3>\n\n\n\n<p>But:<\/p>\n\n\n\n<p>\u2757 Your <strong>you don't need<\/strong> keep records<br>\u2757 Your <strong>you don't need<\/strong> issue VAT returns<br>\u2757 Your <strong>you don't need<\/strong> manage employer obligations<\/p>\n\n\n\n<p>The tax issues of a light entrepreneur are the lightest of all forms of entrepreneurship in Finland.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83d\udcca <strong>Taxation of a light entrepreneur vs. taxation of a sole proprietor<\/strong><\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Subject<\/th><th>Light entrepreneur<\/th><th>Entrepreneur<\/th><\/tr><\/thead><tbody><tr><td>Taxation<\/td><td>Employee taxation<\/td><td>Taxation of the entrepreneur<\/td><\/tr><tr><td>VAT<\/td><td>Automatically handled<\/td><td>Self-declaration<\/td><\/tr><tr><td>YEL<\/td><td>Only if your income exceeds the limit<\/td><td>Often mandatory<\/td><\/tr><tr><td>Accounting<\/td><td>Not required<\/td><td>Mandatory<\/td><\/tr><tr><td>Advance tax<\/td><td>Not required<\/td><td>Yes<\/td><\/tr><tr><td>Simplicity<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Light business wins 100-0 on ease of doing business.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83c\uddeb\ud83c\uddee <strong>Why choose Kevyesti.fi?<\/strong><\/h1>\n\n\n\n<p>Kevyesti.fi makes tax clear for the light entrepreneur:<\/p>\n\n\n\n<p>\u2714 All payments automatically<br>\u2714 Fast payment of wages<br>\u2714 Possibility of advance payment<br>\u2714 Domestic Key Flag service<br>\u2714 No accounting<br>\u2714 No Y-identification<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Read more:<\/strong> <a href=\"https:\/\/kevyesti.fi\/en\/\">https:\/\/www.kevyesti.fi<\/a><\/p>\n\n\n\n<p><strong>Further information and sources from the authorities:<\/strong><br>\ud83d\udd17 <a href=\"https:\/\/www.vero.fi\" data-type=\"link\" data-id=\"https:\/\/www.vero.fi\" rel=\"noopener\">Tax Administration<\/a><br>\ud83d\udd17<a href=\"https:\/\/www.suomi.fi\/\" data-type=\"link\" data-id=\"https:\/\/www.suomi.fi\/\" rel=\"noopener\"> Suomi.fi <\/a><br>\ud83d\udd17 <a href=\"https:\/\/www.ytj.fi\" data-type=\"link\" data-id=\"https:\/\/www.ytj.fi\" rel=\"noopener\">YTJ<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>More and more light entrepreneurs want to know how taxation will work in 2025.Is it complicated? Do you have to file your own tax return? And how will the salary be deducted from...<\/p>","protected":false},"author":4,"featured_media":4620,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[10],"tags":[159,157,152,156,154,155,148,151,158],"class_list":["post-5341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kevytyrittajyys","tag-alv-kevytyrittaja","tag-ennakonpidatys","tag-kevyesti-fi","tag-kevytyrittaja-verot","tag-kevytyrittajan-verotus","tag-kevytyrittajyys-verotus","tag-laskutuspalvelu","tag-palkka-kevytyrittajalle","tag-yel-2025"],"taxonomy_info":{"category":[{"value":10,"label":"Kevytyritt\u00e4jyys"}],"post_tag":[{"value":159,"label":"ALV 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