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Finland Invoice Template (Lasku)

A free, editable invoice (lasku) layout for businesses in Finland. It follows the Finnish Tax Administration's (Vero) guidance on VAT invoice content: the issue date, a unique invoice number, the seller's VAT number (FI followed by the Business ID without the hyphen), both parties' names and addresses, the quantity and nature of the goods or services, the supply date if it differs from the invoice date, the taxable amount per VAT rate with the unit price before VAT, the VAT rate, and the VAT payable in euros. It has space for set wording such as "reverse charge" and for the customer's VAT number when they account for the tax. The template is a layout, not a guarantee of compliance: you fill in every figure. Paper and PDF invoices remain valid in Finland, but a business customer can require you to send an e-invoice under the Act on Electronic Invoicing (241/2019), and this HTML file is not one. It downloads as HTML you edit in a browser and print or save as PDF.

Draft this invoice
Preview this editable document

Download the HTML file to edit its fields, then print or save as PDF. Totals are entered manually.

What This Template Includes

  • Your Business ID (Y-tunnus) and VAT number (FI + Business ID)
  • Customer's VAT number (reverse charge and intra-EU sales)
  • Date of supply (if different from the invoice date)
  • VAT payable in euros (if invoiced in another currency)
  • Required wording, e.g. "reverse charge" or "self-billing"

How to Create Your Finland Invoice (Lasku)

  1. 01

    Describe your work

    Type a plain English description of the services you provided, the client, and the amount.

  2. 02

    AI generates your invoice

    InvoiceQuickly's AI drafts the client, line items, dates, and totals for you to review before saving.

  3. 03

    Review, download, and send

    Check every detail, download the PDF, or use Pro to email the PDF directly to your client.

Recommended Payment Terms

Finnish VAT rules decide what the invoice says, not when it is paid. Agree payment terms with your customer and print them, for example "Maksuehto 14 päivää netto" (payment within 14 days, net), with the due date, your IBAN and BIC, and the invoice number as the payment reference. If a business customer has asked for e-invoices, check before you send a PDF: under the Act on Electronic Invoicing they can require one.

Need help writing payment terms? Read our guide to invoice payment terms for best practices and templates.

Tax Information

Finnish VAT (ALV) rates, per Vero's rates page updated 1 January 2026: 25.5% general rate (since 1 September 2024, up from 24%); 13.5% reduced rate (since 1 January 2026, down from 14%) for groceries, restaurant and catering services, and the items moved to the reduced rate in 2025 such as books, pharmaceuticals, passenger transport, accommodation and event admissions; 10% for newspapers and magazines. Show the taxable amount and VAT for each rate. For reverse-charge sales, show no VAT rate or VAT amount, write "reverse charge" and show the buyer's VAT number. Simplified invoices are allowed up to €400, but not for intra-EU sales or the reverse charge. InvoiceQuickly applies one tax percentage per invoice, labels it "Tax" rather than "ALV", copies saved tax IDs to new invoice PDFs and cannot send e-invoices.

Industry context (2026)

Finland has changed its VAT rates, or what they cover, three times in two years. The general rate rose from 24% to 25.5% on 1 September 2024. On 1 January 2025 several items, including books, medicines, passenger transport, accommodation and event admissions, moved from other rates to the 14% reduced rate, and on 1 January 2026 that rate fell to 13.5%, leaving newspapers and magazines at 10% (Vero, rates page updated 1 January 2026). Vero notes that its English invoicing guidance from 2023 has not yet been updated for these rate changes, so check the rates page rather than older examples. Finland is also a long-standing e-invoicing country: since 1 April 2020 the Act on Electronic Invoicing has given businesses with turnover over €10,000 and public buyers the right to require e-invoices from their suppliers. B2B e-invoicing is otherwise a customer choice, not a universal mandate (sources accessed 27 October 2026).

Worked example

Kaarna Design Oy in Helsinki, registered for VAT, runs a user-research project for a Tampere software company (an illustrative example). Invoice 2026-118 is dated 30 October 2026 for work completed on 28 October 2026, due in 14 days. Lines: user interviews and analysis, 40 hours at €95.00 = €3,800.00; findings workshop, fixed fee €600.00. Taxable amount at 25.5%: €4,400.00. VAT 25.5%: €1,122.00. Total: €5,522.00. The invoice shows Kaarna's VAT number (FI plus its Business ID without the hyphen), both companies' names and addresses, and the supply date because it differs from the invoice date. If the Tampere company has asked Kaarna to send e-invoices under the Act on Electronic Invoicing, this invoice must go out as an e-invoice, not as a PDF. The same project for a VAT-registered company in Stockholm would total €4,400.00 with no Finnish VAT, show the Swedish customer's VAT number and the words "reverse charge".

Common mistakes to avoid

Using the old 24% rate

The general rate has been 25.5% since 1 September 2024. The reduced rate is 13.5% from 1 January 2026, not 14%.

Writing the Business ID as the VAT number

The VAT number is FI followed by the Business ID without the hyphen, for example FI12345678, not 1234567-8.

Showing VAT on a reverse-charge invoice

When the buyer accounts for the VAT, leave out the rate and VAT amount, write "reverse charge" and show the buyer's VAT number.

Sending a PDF to a customer who requires e-invoices

A business customer can require e-invoices under the Act on Electronic Invoicing. Ask before your first invoice.

Mixing rates without separate totals

If one invoice has 25.5% and 13.5% lines, show the taxable amount and VAT for each rate.

Invoicing Tips

  • 1Turn your Business ID into a VAT number by adding FI and removing the hyphen: Business ID 1234567-8 becomes FI12345678.
  • 2Still have 24% or 14% in your invoice settings? The general rate is 25.5% and the reduced rate is 13.5% in 2026.
  • 3Ask new business customers whether they want e-invoices. If they do, you need e-invoicing software or an operator, not a PDF.
  • 4Invoices can be in English. If you bill a Finnish customer in dollars, also show the VAT in euros.
  • 5Selling a design service to a business in Germany? Charge no Finnish VAT, show their VAT number and write "reverse charge".

Related Resources

Frequently Asked Questions

What must a Finnish VAT invoice include?

Vero's guidance lists: the issue date; a unique sequential number; the seller's VAT number; the buyer's VAT number if the reverse charge applies or the sale is an intra-EU supply; both parties' names and addresses; the quantity and nature of the goods or the extent and nature of the services; the supply date if it can be determined and differs from the issue date; the taxable amount per rate with the unit price before VAT and any discounts; the VAT rate; the VAT payable; an exemption reference, and set wording such as "reverse charge" or "self-billing" when it applies, plus a reference to the original invoice on a correction.

What are the VAT rates in Finland in 2026?

25.5% general, 13.5% reduced (for example groceries, restaurant meals, books, medicines, passenger transport and accommodation) and 10% for newspapers and magazines, according to Vero's rates page updated 1 January 2026.

Can a business customer demand an e-invoice in Finland?

Yes. Under section 4 of the Act on Electronic Invoicing (241/2019), applied since 1 April 2020, a business can require another business to send its invoices as e-invoices that follow the European e-invoicing standard. The Act counts as a business only an operator whose turnover for the financial year is more than €10,000. Consumers cannot demand e-invoices under this rule.

Can I write a Finnish invoice in English?

Yes. Vero says the VAT details may be in any language, though it can ask for a translation in an audit. If you invoice a domestic sale in another currency, the VAT payable must still be shown in euros.

Does InvoiceQuickly work for Finnish invoices?

For PDF invoices at a single VAT rate, yes: set the tax to 25.5% and invoice in EUR, and type your FI VAT number into the notes, because the app copies saved business and client tax IDs to new invoice PDFs. It cannot split one invoice across 25.5% and 13.5%, and it cannot send e-invoices, so it does not suit customers who require e-invoicing.