Invoice as a private individual without your own company?
Short answer
Yes, you can invoice as a private individual. Through umbrella employment you become temporarily employed by Accly Frilans, which sends the invoice in its own name, accounts for the VAT and pays your tax. You get the payment as a net salary in your account and avoid bookkeeping, tax returns and F-tax registration.
How to invoice as a private individual – 4 steps
The whole process happens in our tool. All you need is a Swedish personal identity number and a bank account.
1. Create a free account
Sign up in a few minutes. No tie-in period and no fixed fees.
2. Add the client and invoice
Fill in the client's details, amount and description. VAT is calculated automatically.
3. We send it and follow up
Accly Frilans acts as the legal sender and sends the invoice to your client.
4. You get paid into your account
We deduct tax, employer contributions and our service fee – the rest is paid out as net salary.
What does it cost to invoice as a private individual?
- Service fee
- 1.45%
- Employer contributions
- ~31.42%
- Preliminary income tax
- approx. 30%
- Net salary in practice
- approx. 50–55%
Your exact net salary depends on your tax table. Work out your exact amount in our pricing calculator.
Calculate your invoiceThe security of being employed
Umbrella employment gives you many of the benefits of regular employment without having to start your own company.
Income that builds your SGI
Your payment counts as employment income, which strengthens your sickness-benefit qualifying income (SGI).
Full pension contributions
The employer contributions include pension payments, just like in regular employment.
Collective-agreement-style terms
You get secure, employment-like terms because Accly Frilans is your employer.
We handle reminders
No need to chase clients. We send payment reminders and can help with debt collection if needed.
When isn't it the right fit?
If you have a regular, high turnover, employ staff or want to deduct large investments, a limited company of your own may be more advantageous. But for most people freelancing on the side, testing an idea, or needing to send the occasional invoice, umbrella employment is the simplest and safest way to invoice.
Frequently asked questions about invoicing as a private individual
You'll find more answers in our frequently asked questions.
Ready to send your first invoice?
Create a free account in under a minute. You only pay once you invoice.