Create a Finnish invoice with reference number and barcode, free

It is free, and there is nothing to sign up for. You fill in the invoice on this page and it runs entirely in your browser. Every invoice carries a small line at the foot: “Laadittu karmaaccounts.fi-laskupohjalla” (made with the karmaaccounts.fi invoice template).

Fill in your business, the customer, the invoice details and the lines, check the preview and choose Print or save as PDF. In the print window choose Save as PDF to get the invoice as a file. The full walk-through is in our article how to invoice in Finland.

A VAT-registered seller's invoice must show, among other things, the date, a running number, the seller's business ID, both parties' names and addresses, what was sold, the taxable amount and the VAT by rate. Up to 400 euros a simplified set of entries is enough. The full list is in our article on invoice requirements in Finland.

Yes. The invoicer forms the reference number, and the template builds it from the invoice number by adding the check digit. To create or check a reference for something else, use our reference number calculator.

The bank barcode and the virtual barcode carry the account number, amount, reference and due date, so the payer gets them into the bank by scanning or pasting, without typing mistakes. The invoice entries in the VAT Act do not require them. The template makes both when the account is a Finnish IBAN, the invoice has a reference number and the amount is at most 999 999.99 euros.

The template is made for businesses with a business ID (Y-tunnus), and its invoices always show it. Without one, people usually invoice through an invoicing service as light entrepreneurs, and the customer is then invoiced in the service's name. The difference is in our article on light entrepreneur or toiminimi.

If you are not in the VAT register, untick “I am in the VAT register”. The invoice then shows no VAT and no VAT rate, and a note at the foot says so. If you are registered but the sale is a 0 % sale, choose 0 % on the line and the reason. When registration becomes compulsory is in our article on the 20 000 euro VAT registration limit.

Every invoice needs a running number that identifies it. No two invoices in the same financial year may share a number, and a missing invoice must be detectable. You can use several series. The template does not remember numbers, so keep a note of the last one.

A common term is 14 days net, and the template suggests a due date 14 days after the invoice date. Between businesses, a payment term over 30 days has to be expressly agreed. Late-payment interest in 2026 is 10.5 % between businesses and 9.5 % otherwise; from a consumer only if the invoice states the rate and the date it starts. More in our article on late payment, reminders and interest.

Yes. The invoice’s labels, such as the due date, the reference and the amount due, are in Finnish with the English next to them, so one invoice works for both, and the required entries can be in any language. When you sell to a business in another EU country, choose 0 % and the reason on the line; the customer's VAT number is then required. The terms are explained in Finnish invoice terms in English.

No. The template works in your browser and nothing is sent to us. Your business details stay in this browser only if you tick “remember”. Save the finished invoice as a PDF and keep a copy for your books for at least six years.

No. The template works online and saves the invoice as a PDF, because it works out the reference number, the VAT and the bank barcode for you; in a Word or Excel file you would have to calculate them yourself.