Invoice easily without your own companyfor just 1.95% fee

  • Invoice with your own logo
  • Best insurance in the industry
  • Salary in your account within 60 minutes
  • Tax payments
  • Secure and safe with BankID
🇸🇪Swedish company & employees
No company or F-tax needed

You earn more with us. Period.

Invoice (excl. VAT)50 000 kr
Our fee (1,95%)
-975 kr
Employer contribution (31,42%)
-11 721 kr
Gross salary37 304 kr
Income tax (30%)
-11 191 kr
Net salary
26 113 kr
Minimum fee SEK 195
Effso
ENKL Frilansservice
Ework Group
Expressen
Söderberg & Partners
Telia Company
United Stage
VR
Scandic
SATS
Partner 10
Effso
ENKL Frilansservice
Ework Group
Expressen
Söderberg & Partners
Telia Company
United Stage
VR
Scandic
SATS
Partner 10
Easy to invoice without a company

What is self-employment?

Self-employment is the perfect solution for you who want to work as a freelancer or consultant without starting and running your own company. You get all the benefits of being employed – security, insurance and benefits – while keeping the freedom to choose your own assignments.

No need for your own company

No company formation, accounting, tax returns or annual reports. We take care of all the administration.

When you're self-employed

You get pension, eligibility for unemployment insurance, vacation pay included in salary and insurance is included.

You choose your assignments

Full freedom to work with whatever clients you want, whenever you want. You decide your own working hours.

4 easy steps to salary in your account

How it works

From first customer contact to salary in your account – easier than you think

Nöjd egenanställd som trivs med sitt arbete

Life as self-employed

No stress with administration, accounting or tax returns. You focus on what you're good at – we take care of the rest.

1

You find an assignment

You negotiate with the customer and agree on compensation. The customer doesn't need to know you're self-employed.

2

You send an invoice from us

Create and send the invoice directly in our system. The invoice comes from Utbetalning.com but you can have your own logo.
→ See example with our logo and own logo

3

The customer pays

The customer pays to our bank account via bank transfer, Swish or wire transfer. We receive the payment securely and deduct our 1.95% fee.
→ SEK 195 for invoices below SEK 10,000

4

You receive your net salary

Within 1 hour after we receive the customer's payment, you get your net salary paid to your account. We pay tax and social contributions for you.

Explore features

Everything is included in our fee

Click to see more

3x lower fee

Only 1.45-1.95% fee – lowest in the industry. No hidden costs or startup fees.

Click to see more

Expenses & deductions

Tax-free compensation for work-related expenses like materials and travel costs.

Click to see more

Fast support

Search among +10,000 answered questions 24/7. Personal support via email and phone.

Click to see more

Insurance included

Industry's best liability and accident insurance included in the fee. Full security at no extra cost.

Click to see more

Invoice abroad

Invoice customers in over 50 countries. Support for 8 currencies, including EUR and USD.

Click to see more

ROT & RUT deductions

Apply for ROT and RUT deductions. Your customers can save up to 50% on labor costs.

Click to see more

Share invoices

Split an invoice between multiple consultants. Perfect for teams and collaborations.

Click to see more

Voluntary occupational pension

Build your pension with tax benefits. You choose how much to set aside.

Benefits of our self-employment

Why thousands of freelancers choose Utbetalning.com

Lightning-fast payout

Get your net salary within 60 minutes after the customer pays. No waiting 1-5 days like with many other providers.

Lowest fee in Sweden

Only 1.95% fee including insurance. No fixed costs or commitment periods. Can be reduced to 1.45% if you refer friends.

Full security & insurance

Insurance included in the fee, optional occupational pension contributions, eligibility for unemployment insurance and parental benefits.
→ See insurance certificate for accident and liability

No administration

We pay taxes, handle tax returns and bookkeeping. The salary is pre-filled in your tax return. You don't need your own company.

Fast support

With us you get access to the largest knowledge base in the industry - ready to answer your questions 24/7.
→ Go to FAQ

Trädgård & Bygg
Trädgård & Bygg
Utvecklare
Utvecklare
Journalist
Journalist
Designer
Designer
Artist
Artist
Konsult
Konsult
Säljare
Säljare
Fotograf
Fotograf
Tränare
Tränare
Innehållsskapare
Innehållsskapare
Marknadsförare
Marknadsförare
Coach
Coach

And hundreds more professions...

Perfect for freelancers, consultants and creative professionals

Calculator

Compare net salary & fee

See exactly how much more you earn with us compared to other providers

You earn more with us. Period.

Payout to your account within 60 minutes after customer payment

Invoice (excl. VAT)50 000 kr
Our fee (1,95%)
-975 kr
Employer contribution (31,42%)
-11 721 kr
Gross salary37 304 kr
Income tax (30%)
-11 191 kr
Net salary
26 113 kr
Minimum fee SEK 195

Compare with our industry colleagues

Best in test 2025
#1
Utbetalning.com
Fee: 1,95% (975 kr)
26 113 kr
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#3
Cansolo533 kr
Fee: 3,95% (1 975 kr)
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#4
Cool Company2 095 kr
Fee: 5,98% (2 990 kr)
24 018 kr
#5
Frilans Finans2 100 kr
Fee: 6,00% (3 000 kr)
24 013 kr
Get started today

Ready to start invoicing?

Create your free account in 15 minutes. No commitment period, no hidden costs. Thousands of freelancers have already made the switch – it's your turn now!

1.95%
Very affordable
<1 h
Fastest payouts
1 min
Response from knowledge base

© Utbetalning Sverige AB (559484-9407) · F-tax registered · All calculations are estimates and exclude VAT