Finland Invoice Generator (Lasku)
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Invoicing in Finland: what your invoice needs
Finland raised its standard VAT rate (ALV, arvonlisävero) to 25.5% on 1 September 2024, one of the highest in Europe. If you issue laskut there, that number shows up on nearly every invoice you write, so it is worth getting right.
Small businesses got a break from 1 January 2025: the VAT registration threshold rose from €15,000 to €20,000 of turnover a year. Finnish invoices also lean on the reference number (viitenumero), which is how banks match a payment to the right invoice.
Key facts for Finland
- Tax
- Arvonlisävero (ALV), value-added tax
- Rates
- 25.5% standard (from 1 September 2024); 14% and 10% reduced, 0%
- Registration threshold
- Turnover of €20,000 a year (from 1 January 2025)
- Payment reference
- Viitenumero: a number on the invoice used to identify the payment
- E-invoicing
- Finvoice is widely used between businesses; public bodies require e-invoices
- Records
- Vouchers and invoices: 6 years from the end of the year in which the financial year ended
- Currency
- EUR (€)
What a Finland invoice should include
- Your name, address, Y-tunnus (business ID) and VAT ID (FI + 8 digits)
- The customer's name and address
- The invoice date and a unique, sequential invoice number
- The date of supply, if different from the invoice date
- A description of the goods or services, with quantity and unit price excluding VAT
- The VAT-free amount, the VAT rate, the VAT amount and the total
- For reverse-charge sales: a note such as "käännetty verovelvollisuus" and both VAT IDs
- The due date, bank details and a reference number
Practical tips
Add a viitenumero
Finnish customers pay by referencing the viitenumero. Put it in the notes with your IBAN, and payments will be matched to the right invoice on your side.
Check the rate: 25.5%, 14% or 10%
Some goods and services moved from 10% to 14% in 2025, such as certain cultural, travel and accommodation services. Confirm the rate for your product on the Tax Administration's page.
Under the threshold?
If your turnover is under €20,000 you are not required to register for VAT. You then invoice without VAT, and do not show a VAT ID. Say in the notes that you are not VAT-registered.
Common questions about invoicing in Finland
What is the current VAT rate in Finland?
The standard rate is 25.5%, since 1 September 2024. Lower rates are 14% and 10% for particular goods and services, and 0% for some exports and other cases.
Do I have to charge VAT?
Only once your annual turnover passes €20,000 (the threshold from 2025). Below it you are not required to register and can invoice without VAT.
What is the Y-tunnus?
The Y-tunnus is your Finnish business ID, issued when you register a business. The VAT ID is the same number with FI in front and no dash.
Do I need to send e-invoices?
For public-sector customers, yes. Between private businesses it is common but not universal. A PDF is fine for many customers, and many Finnish businesses use Finvoice through their bank.
Related guides and tools
Official sources: Finnish Tax Administration (Vero).
Last updated September 2026. This is general information, not tax or legal advice. Tax rules change, so check the official source or ask a local accountant before relying on it for an important invoice.
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