Invoice Without a Company – Secure, Simple and Affordable

Invoice without a company or invoicing as a private person . We take care of taxes, VAT, and bookkeeping — you focus on your work and get paid to your own account.

Rated #1 in Sweden

By independent website www.fakturab.se

0.7-1.4%

lowest fee (min. fee 70–140 SEK)

11,000+Active freelancers
500+Business clients

Lowest Fee in Sweden (min. fee 70–140 SEK)

We handle all administration including taxes and accounting.

Data Protection

Your financial data is securely stored in an encrypted format.

Loyalty Discounts

Loyalty rewards that make the fee even lower.

Invoice list in Invozio showing customer, amount, due date and payment status for each invoice
Invozio app menu with Overview, Invoices, Customers & agreements, Time & income, Insurance, Tools and Resources
Bar chart in Invozio comparing monthly invoiced income for 2024 and 2025
Donut chart in Invozio showing the share of invoices paid on time, early and late
Preview of an invoice document created in Invozio

Lowest Fee in Sweden (min. fee 70–140 SEK)

We handle all administration including taxes and accounting.

Data Protection

Your financial data is securely stored in an encrypted format.

Loyalty Discounts

Loyalty rewards that make the fee even lower.

Ranked #1 in Sweden (independent site)

Invoice Without a Company – Secure, Simple and Affordable

Lowest fee: 0.7–1.4% (min. fee 70–140 SEK)

Invoice without a company or invoicing as a private person . We take care of taxes, VAT, and bookkeeping — you focus on your work and get paid to your own account.

Open a free account
  • Trusted by 11,000+ freelancers and 500+ companies
  • Rewards for activity – extra discounts on the fee
  • Basic insurance coverage included
  • Express payment within 1–24 hours
  • Invoices in 11 currencies
  • ROT/RUT invoices
Create account

Our trusted partners

Idun Liv
Revolut
Euro Accident
Microsoft
BankID
Trygg-Hansa
SAS
Silja Line
SJ
SATS
Create Account
Create a Free Account and Start Invoicing

Features of the Invoicing Tool

With Invozio invoicing tool, you can create and send invoices effortlessly—even without a registered business. We’ve designed the process to be as smooth and intuitive as possible, giving you a seamless invoicing experience.

Send Combined Invoice

Bill together with other freelancers working for the same client. Invite the freelancers to the platform and we will pay your salary separately.

Time Reporting

We offer you a simple and flexible solution to be able to report your hours and register your expenses.

Advanced salary calculator

With this calculator, you can estimate different types of compensation as a freelancer or consultant. You can adjust your income tax, choose your currency, and include various deductions. The calculator will then show how your earnings are calculated. You can also set aside money for vacation and pension, and the calculator will instantly show how this affects your compensation. Try our advanced calculator on the homepage or in the logged-in view with your personal settings, such as your income tax

Personalize with Your Logo

Upload your logo and make your invoices uniquely yours. Personalize your invoices in just a few clicks.

Send Combined Invoice

Bill together with other freelancers working for the same client. Invite the freelancers to the platform and we will pay your salary separately.

Time Reporting

We offer you a simple and flexible solution to be able to report your hours and register your expenses.

Advanced salary calculator

With this calculator, you can estimate different types of compensation as a freelancer or consultant. You can adjust your income tax, choose your currency, and include various deductions. The calculator will then show how your earnings are calculated. You can also set aside money for vacation and pension, and the calculator will instantly show how this affects your compensation. Try our advanced calculator on the homepage or in the logged-in view with your personal settings, such as your income tax

Personalize with Your Logo

Upload your logo and make your invoices uniquely yours. Personalize your invoices in just a few clicks.

Express Payment

Bill together with other freelancers working for the same client. Invite the freelancers to the platform and we will pay your salary separately.

Set Aside Holiday Pay

Easily save 0–50% of your income for holidays—flexible, automatic, and built for freelancers’ needs.

Invoicing in Different Currencies

We offer invoicing in multiple currencies: SEK, USD, EUR, GBP, CHF, CAD, AUD, NOK, DKK, JPY, and CNY including Swedish kronor, US dollars, Euros, and more. When converting amounts from foreign currencies to SEK, we apply a fixed currency margin of 0.5%.

Pension Savings with Idun Liv

The occupational pension is one of the most important components for building a secure future.

Explore all features

How invoicing without a company actually works

You send the invoice. We collect the money, pay the tax and put a salary in your account.

You do the invoice

  • Sign up with BankID and your identity is verified in the same moment. No company, no registration fee, nothing to cancel.

    Prefer email? That works too — you just verify your identity separately.

  • Add your profile and the bank account your salary should land in. You do this once — never again per invoice.

    Your bank details are encrypted and used for one thing only: paying you.

  • Pick your customer, add your hours or a fixed price, and attach any expenses. Press send — that is where your work ends.

    Travel, materials and allowances go on the same invoice and are paid back to you untaxed.

We do the company work

  • Every invoice is checked and approved before it reaches your customer. Nothing goes out with a mistake on it.

    Once it is approved we send it, and you can follow it — delivered, opened, paid.

  • Your customer pays the full invoice to us, on the payment term you chose — 10, 15, 20, 30, 45 or 60 days.

    That is what makes the next step possible: we can only pay you a salary if the money comes to us first.

  • We take VAT out first — it was never yours — then our fee, social fees and your income tax. What is left is your salary.

    Paid within an hour of your payslip. Your bank may take up to 24 hours to show it. Social fees vary with your age.

  • We pay the VAT, the social fees and your income tax to the Swedish Tax Agency, and file the reports. You never register for anything.

    This is the part that would otherwise require your own company — and it is included.

  • Everything you earned through us is already on your tax return the following year. There is nothing extra to fill in.

    We send your income statements to the Swedish Tax Agency, and they are declared in your annual tax return.

    All done!No company required

    One invoice from you — everything a company has to do, done by us.

    Ready to try it for real?

    Create a free account and send your first invoice today. VAT, social fees, salary and your tax return are all on us.

    Start invoicing — no company needed

What Customers Say About Us

We’re proud to showcase authentic reviews from Trustpilot, where our customers share their honest feedback. See why so many trust us for exceptional service and quality experiences.

The best experience without the huzzle…

The best solution for creatives who want to focus on their work without the burden of running a registered company in Sweden. Starting and operating a business here can be challenging due to complex regulations and administrative requirements. This service is a genuine game changer. It empowers creative professionals by removing unnecessary obstacles and providing a clear path forward. What once felt like an uphill battle now feels effortless. Simply the best, better than all the rest! ⭐⭐⭐⭐⭐

Tommy DeoganTrustpilotOctober 12, 2026

I’m very happy with my experience with Invozio

I’m very happy with my experience with Invozio so far. It has been a simple and convenient way to invoice for my consulting assignments without having to set up my own limited company. The process is smooth and professional, and I really appreciate being able to focus on my clients and assignments rather than spending time dealing with administration. So far, my experience has been very positive, and I would definitely recommend Invozio to consultants and freelancers looking for a simple and professional invoicing solution.

Anders MohlinTrustpilotSeptember 30, 2026

Used another company for my work before…

Used another company for my work before but found out I get more offers and more secure using Invozio.

Jessica SnäckaTrustpilotSeptember 22, 2026

Low fees

Low fees, clean dashboard and easy service.

AnonymousTrustpilotSeptember 19, 2026

Very professional

Just made my first invoice. Very easy and customer service is very professional and helpful. Much recommended.

Jonas OlofssonTrustpilotSeptember 11, 2026

Invozio is so easy to use for invoices 👍

Invozio is so easy to use for invoices 👍

Jonas JensénTrustpilotAugust 23, 2026

Easy to work with!

Easy to work with!

Linn ArwidsonTrustpilotAugust 13, 2026

The service is so good

The service is so good. I got so much help in the beginning when I started with Invozio. And even now that I´m up and running.

Annelie Bergwall-LarssonTrustpilotJuly 1, 2026

Lowest Fees!

I switched from another invoicing company to this one due to their lower interest rates and faster processing times. Everything has worked flawlessly, and I'm very satisfied with the service. Highly recommended!

FilipTrustpilotJune 23, 2026

Great service!

Easy service to use, excellent customer service!

Nathalie BeroniusTrustpilotJune 16, 2026

Nice. Safe. And fast.

Have never been disappointed!

Maria WoglindeTrustpilotJune 5, 2026

This just made my freelance life 10x easier

Invozio takes care of the boring stuff. Low fees, an intuitive platform, and smart extras—all in one place. I used to pay around 6% elsewhere, so yeah… really glad I found this. I’ve been using it once a month for over a year now and don’t see myself switching anytime soon. It’s just easy. Smooth. And you actually keep more of what you earn. Only thing missing? An app.

AmandaTrustpilotMay 4, 2026

Salary Calculator

Our innovative salary calculator is an indispensable tool for freelancers, consultants, and businesses alike. This easy-to-use calculator allows you to quickly estimate take-home pay, factoring in taxes, fees, and other deductions, so you can confidently project your earnings.

Invoice Details

SEK 0.00

Invoice Details

Invoice Amount (Including VAT)0.00 SEK
VAT (25%)0.00 SEK
Invoice Amount (Excluding VAT)0.00 SEK

Fees

Invozio Fee (1.4%)0.00 SEK
Social Fees (31.42%)0.00 SEK

Salary Components

Gross Salary (Including Holiday Pay)0.00 SEK

Tax Information

Income Tax (30%)0.00 SEK
Net Salary0.00 SEK

Note: Our fee is 0.7%–1.4% of the invoice amount, with a minimum fee of 70–140 SEK if that percentage is lower.

Note: This calculator provides estimates only. Your actual income may differ depending on your specific situation.

Discover Invozio

Invozio is a rapidly growing platform designed for freelancers and independent professionals. We empower individuals to conduct business and issue invoices without owning a company, all in an easy, efficient, and secure manner, and at competitive prices.

Discover Invozio

Commitment

Commitment

We take full responsibility, demonstrating our commitment to your well-being.

Efficiency

Efficiency

We take care of these administrative tasks, freeing up your time.

Security

Security

We prioritize your safety and security as a user by offering a secure and reliable platform.

Easy

Easy

With us, you can concentrate on your work and grow professionally.

Read More About Invozio
Discover Invozio

Hear from Our Clients

Hear directly from our customers about their experiences with us. Discover how we’ve made a difference, from exceptional service to lasting relationships. Their words speak to our commitment to quality and satisfaction.

For several years, I have worked and invoiced through various invoicing services, but Invozio is undoubtedly the one that has given me the highest salary, due to their low fees In addition, their website is user-friendly and their support is personalized. This has led me to see only benefits in invoicing through them!

David MidhageFreelance consultant in the construction industry

If you are looking for a simple and efficient service, you’ve come to the right place. Over the years, I have tried several different invoicing services and have now found the one that suits me best Invozio is easy to use, and moreover, it’s the service that pays out the most money in the end of those I have tested.

Selma KaramustaficFreelance consultant in web and IT

Without a doubt, the easiest platform I’ve used. It took a little time to understand that you have to select a date on the calendar so that more lines would appear under the invoice part Once I figured that out, everything was straightforward and intuitive.

Alex YazdaniFinancial Account Manager

Frequently Asked Questions

Explore our FAQ section to find clear and brief answers to your most common questions about Invozio.

Due to the timeframes of our current bank system in Sweden, it can take up to 48 hours to see a payment for a domestic invoice and up to 72 hours for international payments. To check the status of your invoices, simply log in to your account and go to ‘Invoices/Manage-Invoices’. Here, you can view the current status of all the invoices you have sent through us.
Your salary will be paid out within 1 hour after the payslip has been sent. Depending on your bank, it may take up to 24 hours for the funds to appear in your account.
Add your expenses directly to the invoice you create. Alternatively, send the receipts to support@invozio.com and we will handle the rest. Make sure to include a description of each expense and attach the relevant receipt.
To pre-register an assignment, log in to your account and go to your dashboard. From the sidebar, navigate to the Assignment Registration section and click on “Register New Assignment.” Fill in the required details, including the client (you can select an existing one or add a new one), start date, and description. Once you’ve entered all the information, review it carefully and click “Register.” After submission, you will receive a confirmation that your assignment has been successfully registered, and you can view all registered assignments on the same page. You can then create an invoice for the same client whenever you are ready.
Yes, as a user of Invozio you can be eligible for unemployment benefits. Since we act as your employer, you accumulate employment time that can qualify for unemployment insurance. We recommend contacting your unemployment fund (a-kassa) for more information about your specific situation.
Yes, you can invoice without owning a company through Invozio. We handle taxes, VAT, invoicing, and administration, allowing you to focus on your work while getting paid directly to your personal account.
Simply create an account, add your client and invoice details, and send the invoice through us. Once the client pays, we deduct taxes and fees and transfer your salary directly to your bank account. Read more about it here.

Ready to simplify your freelancing journey with
powerful tools and ultra–low fees?