Cleaning and Finland's household tax credit in 2026: invoicing through Bisse.fi
Domestic cleaning can qualify for Finland's household tax credit. This guide explains how to price, itemise and invoice cleaning services through Bisse.fi.
Light entrepreneurship and business services for cleaning
Do your work. Bisse handles the rest.
Invoice for cleaning work easily without your own company. Bisse handles invoicing and salary payments, and your customer gets an invoice itemised for the household tax credit. As your business grows, Bisse also handles accounting for sole traders and limited companies.
Light entrepreneur service fee 2.9%
Agree on the essentials before your first cleaning job
Go through the contract, insurance and household tax credit before your first job. Bisse can help you get started.
Agree on the work in writing
Record what will be cleaned, where and at what price. Also agree on who provides cleaning products and equipment and whether travel costs are charged separately.
Liability and accident insurance
The Pro package includes liability and accident insurance, subject to the policy terms. Read the terms and check that the coverage suits your needs before starting work in a customer’s home.
Mention the household tax credit in your quote
Home cleaning may qualify for the household tax credit under the Finnish Tax Administration’s rules. This can reduce your customer’s cost after tax.
Do the work. Send an invoice. Get paid.
Agree on home, window or office cleaning with your customer. Handle the invoicing in Bisse.
1. Do the work
Agree on the scope, price and schedule with your customer. Complete the work as agreed and record the billable hours or agreed contract price.
2. Send an invoice
Add your customer’s details and list cleaning work, materials and travel costs on separate invoice lines. Send the invoice by email or as an e-invoice.
3. Get paid
Once your customer’s payment reaches Bisse’s account, we transfer your salary promptly. Salary payments are available every day of the year.
When does self-employment make sense in cleaning?
Cleaning work is available in homes, offices and housing companies. As an entrepreneur, you decide who you work for, when you work and what you charge.
You take on occasional cleaning jobs
A neighbour or friend needs cleaning help, or a business needs someone temporarily. Invoice through Bisse so taxes and reporting are handled properly, without undeclared work.
You want control over your work
Choose your customers, schedule and prices. You can also combine cleaning jobs with employment or studies.
You want to grow your business
As you build a regular customer base, you can move to a sole trader business or limited company. Bisse will still handle your accounting and filings.
Self-employment in cleaning: choose your path
There are many ways to work in cleaning. Find the option that suits your situation and how you want to invoice.
Home cleaning for private customers
Provide weekly, monthly or deep cleaning in homes and holiday homes. Your customer can apply for the household tax credit when you itemise the labour cost on the invoice.
Office and property cleaning for businesses
Clean offices, commercial premises or stairwells and invoice a business or housing company. Agree on your own price, schedule and scope of work.
Part-time or occasional work
Take on cleaning jobs alongside employment or studies. As a light entrepreneur, you invoice when you have work, without a monthly fee or setting up a company.
Bisse services for cleaning entrepreneurs
Start as a light entrepreneur and move to a sole trader business or limited company as your business grows.
Bisse Light Entrepreneur
For occasional jobs and invoicing
- Invoice without your own Business ID
- 2.9% service fee, no monthly fee
- Fast salary transfer once your customer pays the invoice
- Liability and accident insurance in the Pro package
Bisse Sole Trader
For regular invoicing with your own Business ID
- Invoicing, receipt scanning and single-entry bookkeeping
- VAT and tax returns handled for you
- Deduct purchases and expenses in your own accounts
- 3.9% of invoicing or from €39.90/month + VAT
Bisse Limited Company
For a growing cleaning business
- Limited company formation and double-entry bookkeeping
- Financial statements, VAT and income tax returns
- Payroll when needed
- From €119.90/month + VAT with an annual contract
Compare your options
Light entrepreneurship without a Business ID, a sole trader business, a limited company or handling everything yourself? See what suits you.
Entrepreneur without services | Bisse Light Entrepreneur | Bisse Entrepreneur | ||
|---|---|---|---|---|
| Without Business ID | Sole proprietorship | Limited company | ||
| Features | ||||
| Licensed industries | ||||
| VAT deductions | Self-managed | |||
| Invoicing need | Depends on business form | Occasional | Continuous | Continuous and growing |
| Getting started | Through PRH | Through Bisse.fi | Through Bisse.fi | Through Bisse.fi |
Light entrepreneur pricing: know what you pay for
Registration is free and there is no monthly fee for light entrepreneurs. You only pay when you invoice.
2.9%
Light entrepreneur service fee
What cleaning work can you invoice for?
Use Bisse to invoice for many kinds of cleaning work, whether your customer is a private individual, housing company or business.
- Home cleaning
- Deep cleaning
- Window cleaning
- End-of-tenancy cleaning
- Holiday home cleaning
- Office cleaning
- Stairwell cleaning
- Final cleaning
- Construction cleaning
- Laundry and garment care
The household tax credit only applies to work in the customer’s home or holiday home. If you are unsure how to invoice for your work, ask our customer service.
Cleaning invoices without the paperwork
The household tax credit, pricing and taxes are part of everyday cleaning work. Here is how Bisse helps.
Itemise labour and materials on the invoice
Customers can only claim the household tax credit for labour. Put cleaning work on its own invoice line and list cleaning products and travel costs separately.
Price your work profitably
Your hourly rate must cover not just your working time but also taxes, the service fee, insurance, travel and equipment. Use the calculator to work out the rate you need.
Taxes and reporting handled for you
As a light entrepreneur, you receive a salary. Bisse withholds tax according to your tax card and handles the statutory reports, so you can focus on your work.
Sole trader pricing: choose what suits you
Pay a percentage of your invoicing or a fixed monthly price. Both include bookkeeping, VAT returns and tax returns.
3.9%
Of invoicing
€39.90
Per month
€39.90/month + VAT when billed annually. €49.90/month + VAT when billed monthly.
Light entrepreneurs’ experiences with Bisse
" The good customer service and the clarity of the whole process made an excellent impression. "
Timo-Pekka Sirviö
Sales manager
" Affordable, with fast and flexible customer service. Easy and clear. Highly recommended! "
Pia Fraktman
Consultant
" Excellent and fast customer service! Everything has worked well with bisse.fi and I can only recommend it đź’Ş "
Milena Kaile
Event organiser
Frequently asked questions about light entrepreneurship in cleaning
You do not need your own Business ID when you invoice through Bisse’s light entrepreneurship service. You can invoice for cleaning work without setting up your own company.
Yes. You can invoice for one-off cleaning jobs or regular customers through Bisse alongside your main work or studies. Your salary as a light entrepreneur is earned income and is taxed together with your other earned income. Make sure the income limit on your tax card covers your income for the whole year.
Home cleaning may qualify for the household tax credit under the Finnish Tax Administration’s rules when carried out in the customer’s home or holiday home. Under the 2026 rules, the credit is 35% of the VAT-inclusive labour cost, up to €1,600 per person, with a €150 annual deductible. The customer claims the credit themselves in MyTax.
Read the cleaning and household tax credit guide.Put the cleaning work on its own invoice line with a clear description, such as “Home cleaning at the customer’s apartment”. List cleaning products, travel and other costs on separate lines. The customer reports only the labour cost in MyTax, not the full invoice total.
Read the household tax credit guide.No. The household tax credit applies to work in a home or holiday home. Cleaning offices, commercial premises or shared areas of a housing company does not qualify. You can still invoice for these jobs through Bisse as usual.
Yes. You can invoice a household for weekly cleaning or a business for office cleaning, for example. Agree on the scope, price and invoicing details with your customer in advance.
Yes. Agree on the costs with your customer in advance and list them on separate invoice lines. Materials and travel costs are not part of the labour cost eligible for the household tax credit.
The Pro package includes liability and accident insurance. Coverage, deductibles and exclusions are defined by the insurance terms. Read the terms before starting work in a customer’s home.
Read about insurance and its terms.The invoice amount is not the same as your take-home pay. Allow for taxes, the service fee, any required YEL insurance, cleaning equipment and products, travel and time you cannot bill for. The household tax credit reduces your customer’s taxes, not your costs.
Open the hourly rate calculator (in Finnish).Light entrepreneurship suits occasional invoicing or trying out self-employment. A sole trader business becomes relevant when invoicing is regular and you want to deduct expenses in your own accounts. Consider a limited company when turnover grows, you hire employees or want to separate business finances from your personal finances.
Compare sole trading and light entrepreneurship.We transfer your salary promptly once the customer’s payment reaches Bisse’s account. Salary payments are made every day of the year. Sending an invoice alone does not trigger a salary payment.
The light entrepreneur service fee is 2.9%. Registration is free and there is no monthly fee.
View pricing.Invoicing that works for you
Create a free Bisse account and get ready to invoice for your next job.
Start as a light entrepreneur
Questions about the household tax credit, insurance or invoicing?
Contact Bisse