Invozio's FAQ
Your First Resource of Answers
Here we have compiled the absolutely most common questions we receive from our customers.
Can I invoice tax-free expenses that exceed 50% of the invoice amount?
No, it is not possible to send an invoice where tax-free expenses exceed 50% of the total invoice amount, when you choose not to display them on your invoice.
This rule ensures that the invoice maintains a reasonable balance between taxable income and tax-free expenses. Tax-free expenses are intended to cover actual costs incurred by the freelancer in connection with their work. However, if they exceed 50% of the invoice amount, it can result in an imbalanced invoicing structure where taxable income becomes disproportionately low compared to the tax-free expenses.
- Ensure that tax-free expenses are well-documented and justified.
- If you have high expenses, consider splitting them into multiple invoices or invoicing them separately outside of the regular invoice.
- Plan your invoicing so that your work compensation accounts for at least 50% of the total invoice amount.
This can also have tax implications and potentially violate regulations on how tax-free reimbursements should be handled. By setting a 50% limit, we ensure that expenses are proportionate to the freelancer's work and invoiced services.
Guidelines to avoid this issue in the future:
Has my invoice been paid?
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. If an invoice is not paid within five days after its due date, we automatically send a reminder to your customer. If this reminder also does not result in payment, we will contact you to discuss the possibility of using our debt collection service, which involves an additional fee.
We ask you to wait for these specified time periods before contacting us. This helps us keep our support available for other matters and to continue offering our services at the lowest possible fees. Thank you for your understanding and patience.
How do I claim a deduction for expenses?
a. Add your expenses directly to the invoice you create.
b. Attach the expenses as a PDF (receipts or invoices).
- Your expenses are deducted directly from the invoiced amount, so you don’t need to pay them with taxed money.
- Example: If you invoice 1,000 SEK and have 200 SEK in expenses, you are only taxed on 800 SEK. The 200 SEK is paid out to you directly against the approved receipts.
- For expenses over 5,000 SEK, the invoice must clearly state Invozio’s invoice address to be accepted.
Am I eligible for unemployment benefits if I use Invozio?
To qualify for income-related compensation from the unemployment insurance fund (A-kassa), you must have been a member of an A-kassa for at least 12 consecutive months. The A-kassa you can join usually depends on your profession or field of work. Joining an a-kassa is voluntary.
If you are not a member of an a-kassa or haven't been for 12 months in a row but meet a work condition, you may be eligible for basic unemployment insurance.
To receive unemployment benefits, you must be fully or partially unemployed, registered with the Employment Service (Arbetsförmedlingen), and able to accept employment if offered. For those from other EU countries or the UK, the main rule is that if you work in Sweden, you are covered by the Swedish A-kassa system.
You pay taxes on benefits as described in this chapter unless otherwise stated. Each case must be individually assessed to determine whether EU coordination regulations apply, or if national legislation and the protocol on the coordination of social security attached to the Trade and Cooperation Agreement are applicable.
How can a user pre-registers before creating their first invoice?
To pre-register an assignment,follow these steps:
Log in to your account and go to your dashboard.
Steps 1 : Naviagte to Assignment Registration.
Steps 2 : Click on Register New Assignment.
Steps 3: Fill in the required details, such as:
- Client (select an existing one or add a new one)
- Start date
- Description
Steps 4: Review the information and click Register.
Once submitted, you will receive a confirmation that your assignment has been successfully registered. You can view all registered assignments on the same page.
You can create an invoice for the same client whenever you are ready.
What conditions do I need to meet?
To use Invozio, you need to provide accurate personal information at registration, have a valid bank account, and follow the tax rules that apply to you. You can use Invozio even if you are under 18, but then your guardian needs to approve the account before it is activated.
I want to invoice without VAT – is that possible?
Yes, you can invoice without VAT, but we will ensure that you have selected the correct VAT when we send out your invoices. In special cases such as reverse VAT for construction or when invoicing abroad, our platform will automatically change to reverse VAT at 0%, as long as you register your customer in the correct category or country on our platform.
Is there any agreement I need to sign with Invozio?
The agreement consists of accepting the general terms and conditions of employment at invoicing, with no commitments beyond that. The rights and obligations between you and Invozio are governed by your approving an invoice.
What if I get ill?
As a self-employed freelancer, you set your own working hours and agree on your compensation directly with the client, without our involvement. Therefore, no sick pay is provided by Invozio in the same way as in a traditional employment.However, if you have agreed with your client that they will cover sick pay, you can of course invoice the client for this period, and we will pay out your salary based on the invoice.
After 14 days, the rules of the Swedish Social Insurance Agency (Försäkringskassan) apply. If you are sick for more than 14 days, you need to email us at support@invozio.com so that we can report your sickness to Försäkringskassan as your employer.If you are still sick after day 14, you can apply for sickness benefit from Försäkringskassan.
If you are still ill after 14 days, Invozio will register your illness with the Swedish Social Insurance Agency. After that, you can apply for sickness benefits from Försäkringskassan.
Can my client use Paypal for payment?
No, but they can use any account that accept IBAN-payment.
Can I use my own logo on the invoice?
You can upload or update your logo under Profile Settings → Theme preferences, or directly while creating an invoice in the invoice tool. Under Theme preferences you can also adjust the size of your logo.
Do I need an agreement with client
You don’t need a formal agreement to use Invozio, but you and the customer should have an agreement about the assignment and the payment, preferably in writing. If you haven’t agreed yet, you need to do so before sending an invoice.
You can send a digital quote or a customer agreement via our website. Go to Customers & Agreements → Agreements and Terms → Customer Agreement.
How can I send my invoices via your platform
When you create an invoice in Invozio, you choose how the customer should receive it. Email is the default option: enter the customer’s invoice address and the invoice will be sent there once we have reviewed and approved it.
If the customer wants an e-invoice, you first need to ask for the customer’s invoicing details, such as their Peppol ID or GLN and any electronic reference. Enter the details for the customer in Invozio and select e-invoice as the delivery method. We recommend checking with the customer which details they require before sending the invoice to us.
When will I receive my salary?
Once we have received and registered the customer’s payment, we send your payslip and pay out your salary. The funds are normally in your bank account within one hour after the payslip has been sent.
If you don’t see the payment after one hour, please feel free to contact us and we’ll look into what happened.
Is there a limit as to how small an amount I can invoice?
No, there is no minimum invoice amount. Keep in mind that our fee is 0.7%-1.4% of the invoice amount, with a minimum invoice fee of 70-140 SEK.
How do I fill in my bank details correctly?
You connect your bank account via Brite in your Invozio account. Follow these steps:
- Log in to your Invozio account.
- Go to Account Settings → Bank Information.
- Choose to edit your bank details and connect your account via Brite.
- Check that the correct bank account is registered for salary payments.
Important: If you enter your bank details manually, the routing number and account number must be filled in separate fields. Do not write the routing number as part of the account number. Brite will immediately show if the details are incorrect.
Can I invoice through Invozio even if I have a non-payment record in my credit history?
You are always welcome to invoice via Invozio. The only difference compared to if you do not have non-payments in your credit history is that your payment is not transferred to you until the customer has completed its payment to Invozio.
Is Live artist exempt from VAT?
The answer is both yes and no. From January 1, 2003, an invoicing company not owned by the performer will be treated as a production company, and 25% VAT will be added to fees paid to performing artists. Invozio is considered a production company according to the Swedish Tax Agency's definition, so Invozio must add 25% VAT to fees for performing artists.
This means that when you, as a freelancer, invoice your fee for a performance, you must include 25% VAT on the invoice to your end customer. If the performer on stage owns the invoicing company, it will be treated as an artist company, and VAT should not be added to the fees paid to the performing artist. Note that as a consequence, the artist company does not have the right to deduct VAT on purchases.
It’s worth noting that VAT is not a cost for most businesses in Sweden, as they are VAT-registered and can offset input VAT against output VAT. Specific private individuals, non-profit organizations, religious communities, and the aforementioned artists are exempt from VAT payment, so for these groups, VAT constitutes an expense, and they also do not have the right to deduct VAT.
Do I Need to Register My Assignments?
No, it is not necessary to register your assignments, as this entirely depends on the agreement between you and your client. However, if you wish to register your assignments, you can easily do so on our platform.
To pre-register an assignment, log in to your account and go to your dashboard. Navigate to the Assignment Registration section and click on “Register New Assignment.” Then, fill in the required details such as the client (you can select an existing one or add a new one), start date, and description. Once you have entered all the information, review it carefully and click on “Register
After submission, you will receive a confirmation that your assignment has been successfully registered. You can view all your registered assignments on the same page. Whenever you are ready, you can also create an invoice for the same client.
How do I calculate my net pay or what should I charge the customer?
You can use the Calculator on the homepage to calculate your net wages based on the invoice amount or vice versa.
Do I have to register to use the service?
Yes, you need to register. It is free of charge. You need to have a login account to enable the site to be as simple, easy to use, and secure as possible. Functions related to your login account make it easier to enter both the principal and the employee. You can check your balance, payslips (specification of wages), previous input invoices, etc. Additionally, we communicate with you via your login name.
When will my customer receive the invoice that I have created?
After your invoice has been approved, we send it to your customer via email on weekdays between 07:00 AM and 4:30 PM. You will also receive a copy of the email for your own documentation.
How do I create credit note for my invoice?
To create a credit note invoice, please follow these steps:
- A credit note request can only be made once.
- Once a credit note has been requested, the original invoice can no longer be modified or edited.
First, go to the dashboard. In the sidebar, navigate to the Invoices section and click on the Manage Invoice tab.
On that page, locate the Action grid and click on the last option (the red icon). When you hover over it, you will see “Request Credit Note.” Click on it. You will then be prompted to enter a description. This option is available only for invoices that have not yet become due or been paid.
Alternatively, you can contact us at support@invozio.com, and our team will assist you in creating a credit note invoice.
There is an error in the invoice I created. What should I do?
If you notice an error in an invoice, you can request a correction by following these steps: First, go to the Dashboard. In the sidebar, navigate to the Invoices tab and click on Manage Invoice to open the page.
Select the invoice you want to correct. In the Action grid, click on the edit invoice option to request a correction
Please note that this option is only available for invoices that have not yet been paid or have not fallen due. Alternatively, you can contact us at support@invozio.com, and our team will help you resolve the issue.
What happens if my invoice remains unpaid?
All operations related to unpaid invoices—including reminders, debt collection, and communication—are managed by PS Betalningsservice.
If an invoice remains unpaid three business days after the due date, we will notify you via email that a reminder invoice will be activated.
If payment is still not received, PS Betalningsservice will automatically send a reminder invoice 10 days after the due date.
11 days after the reminder is sent, if payment has still not been made, a debt collection notice will be issued by PS Betalningsservice.
There is no need to contact us during this process. We will reach out if any further information or action is required. Timelines may vary slightly due to weekends or public holidays.
If the customer disputes the invoice and resolution cannot be reached directly, you may request support from PS Betalningsservice to pursue the claim through legal proceedings.
The debt collection notice is sent automatically 13 days after the reminder has been issued, if the invoice remains unpaid.
Thank you for your cooperation and understanding.
What is included in the social security contributions?
Social security contributions are a collective term used by the Swedish Tax Agency to describe the legislated employer's contributions and self-employed contributions. These contributions include old age pension contribution, survivor's pension contribution, health insurance contribution, parental insurance contribution, work injury contribution, labor market contribution, and general payroll tax.
The employer's contributions contribute to the social insurance systems and entitled to benefits such as pension, sickness benefit, and parental benefit.
Which VAT rate should I choose?
The default VAT rate is 25%, but you can adjust the VAT rate depending on the type of services or products you are invoicing for. There are various VAT rates that can be applied depending on specific circumstances. For more detailed information about the different VAT rates and their applicability, please visit the Swedish Tax Agency's website through this link:
Do you have questions about our insurance and its terms?
Liability Insurance: The liability insurance covers liability for bodily injury and property damage under the terms of the insurance policy. Limits, exclusions and a deductible apply. Contact us for information about insurance coverage for your assignment.
Business Travel Insurance: Offers protection during your business trips. This insurance is particularly valuable if you frequently travel for work.
Accident Insurance: Provides coverage up to 18 base amounts in case of accidents that occur in connection with your work.
For more detailed information about what each insurance covers and how you can benefit from them, we recommend that you read through the insurance certificate on our website.
How to Order an Employment Certificate (Arbetsgivarintyg)?
This feature allows employees to request an official employment certificate (Arbetsgivarintyg) from their employer through Invozio. The certificate includes details such as work hours and employment history.
Once you have received your first salary from us, you can request an employment certificate. This certificate is often required when applying for unemployment benefits. It is important to accurately fill in your work hours and salary details, so please verify this information using your payslips.
- Employment period (start and end date)
- Current employment status (Yes/No)
- Reason for the request (e.g., resigned, terminated, contract ended)
- Job title/position
Step 1: Navigate to the Dashboard - Go to your dashboard. From the sidebar, navigate to Clients and Contracts, then click on Employment Certificate.
Step 2: Start a New Request - On the right side, click Order Certificate, which will open a new page where you can enter your employment details.
- Year
- Total salary amount
- Salary type (Monthly / Weekly / Daily / Hourly)
Step 3: Enter Employment Information - Provide the following details:
Step 4: Automatic Work Hours Calculation - The system automatically retrieves data from previously paid invoices and calculates the total work hours per month. A table is displayed (Month | Hours | Overtime | Absence), which you can review and adjust if necessary.
Step 5: Add Salary Information - Enter the following details:
Step 6: Add Additional Information - An optional text field allows you to include any extra details.
Step 7: Save or Submit - You can Save as Draft to save the request for later use, or Submit to send the request and generate the certificate.
Step 8: Certificate Creation - Once submitted, the certificate will be created and a success message will be displayed. You will be redirected to the certificate list page, where you can download, edit, or delete your certificates.
Do I need to specify my working hours on the invoice?
It is not a requirement to report your working hours on the invoice; this depends on the agreement you have with your client. However, it's important to consider situations where you might need to prove your working hours, such as in cases of unemployment or sickness. In such instances, the unemployment insurance fund or the Social Insurance Agency may require this information.
If the hours are not specified in your billing, we unfortunately cannot assist with certificates or employer's certificates that include a record of working hours. However, you do have the option to choose 'Payment per hour' and still opt not to show the dates for these hours on the invoice to your client. This flexibility also applies when you create a fixed-price invoice.
Does Invozio Have an Age Limit?
To use Invozio’s services, you must be at least 18 years old. If you are under 18 but wish to use our service, you need to start by registering on our platform. After that, your parent or guardian should send an email to us at support.
to approve your use. Please include the parent's or guardian's full name, personal identification number, and address, along with your own details in the message. Once we have received and approved this email, your account will be activated so that you can start invoicing through Invozio.
Can you handle lower employer contributions for individuals aged 67 or older?
Yes, our platform automatically adjusts to your age when you register. If you are 67 or older, the employer contribution rate will be reduced to 10.21% instead of the standard rate of 31.42%.
My client says they have paid my invoice, but I have not received any salary. What should I do?
If your client claims that they have already paid the invoice but you have not received your salary, we need a payment receipt to investigate where the funds have gone. Please ask your client to send a payment receipt to you, which you should then forward to us.
My account has been deactivated, why?
Accounts that have not been active with invoicing for the past 180 days will automatically be deactivated. You will receive a notification about this via email. You can reactivate your account at any time by attempting to log in again and following the instructions displayed. If you are unable to activate the account on your own, please contact our support at
This policy is in place to keep our database updated and relevant. Thank you for your understanding.
I need details to draft a contract with my client.
Below are all the details you may need to register our platform with your client or to prepare a contract with them.
Supplier Data:
- Company Name: Invozio LV SIA.
- Address: Cesu iela 43 - 55.
- Country: Latvia.
- State/Region: Riga.
- City: Riga.
- Postal Code: LV-1012.
- Contact Name: Kevin Zad.
- Contact Phone: 010-264 88 10.
- Contact Email: admin@invozio.com.
- TIN Number or Registration Number: 502085-4062.
- VAT Number: SE502085406201.
Banking Details:
- Name of Bank: Revolut Bank.
- Name of Account Holder: Invozio LV SIA.
- IBAN: LT13 3250 0895 5539 8439.
- SWIFT/BIC: REVOLT21.
- For Swedish Bankgiro payments, use: 673–9007 handled by PS Finance Group.
Can I invoice ROT or RUT through Invozio?
Yes, you can invoice both ROT and RUT services through Invozio without having your own company. When you create the invoice in our platform, you select ROT or RUT as the invoice type and enter the customer’s personal identity number and the other information required by the Swedish Tax Agency. We then handle the application for the tax deduction directly with the Swedish Tax Agency.
Important to note:
- The customer must be a private individual registered in Sweden.
- The work must be carried out in or in connection with the customer’s home.
- ROT requires that the customer owns the home or has a right of use to it.
- The customer only pays their part of the invoice. We request the remaining amount from the Swedish Tax Agency.
- Your salary is paid only after the Swedish Tax Agency has approved and paid the ROT or RUT deduction to us.
- If the Swedish Tax Agency does not approve the ROT or RUT deduction, this may affect your salary payment, as the remaining amount will not be paid by the Swedish Tax Agency.
- If the customer refuses to pay an amount that has not been approved by the Swedish Tax Agency, you as the freelancer may be responsible for the unsettled amount.
Why has Invozio switched to Revolut Bank?
We have chosen to switch from Danske Bank to Revolut Bank to improve stability and reduce the risk of technical disruptions that previously affected our users. Revolut offers modern, digital, and internationally recognized banking solutions that align with our operations and the needs of our customers.
Can Revolut really be trusted?
Yes, Revolut is an EU-licensed bank with full operating authorization across the European Union. The company is regulated by the European Central Bank and the Central Bank of Lithuania, meaning all funds are protected under the same rules as traditional banks.
How large is Revolut as a company?
Revolut is an international financial company with:
- Over 80 million customers worldwide.
- Operations in 40 markets as of the end of 2025.
- Revenue of £4.5 billion in 2025.
- A pre-tax profit of £1.7 billion in 2025.
The revenue and profit figures are from Revolut’s 2025 annual results.
What does Invozio Revolut account mean for me as a user?
You are not negatively affected — on the contrary. It means faster international transactions, modern technology, high security, and fewer service interruptions. Revolut uses the latest fraud detection technology to protect your information.
Why is not the account with a Swedish bank?
As Invozio is a Latvian company with operational activities in Riga, Latvia and clients across Europe, an international banking solution is the most efficient and stable for our needs. For Swedish customers who prefer to pay into a Swedish bank, we also offer an account with Nordea via PS FinanceGroup AB, using bankgiro 673–9007.
How can I be sure I am paying the correct account?
Our new account is verified with Revolut Bank UAB, and we have provided an official bank certificate to all our customers. The account is registered to Invozio LV SIA, with a verifiable IBAN and BIC code.
Is it possible to invoice a commission through Invozio?
Yes, you can invoice a commission via Invozio. When you create your invoice, enter a clear description of the commission in the invoice text (for example, "Commission for service X sold"). Then choose the payment terms according to the agreement you have with the other party. This way, both the commission and any other standard invoice items are handled in the same invoice.
What is a consolidated invoice and how does it work?
A consolidated invoice allows you to invoice several freelancers or consultants together in one invoice to your client.
When creating a consolidated invoice:
- 1. Invite the freelancers via their email addresses.
- 2. They will receive an email with a link to register and accept our terms.
- 3. Once registered, their names will appear in your invoicing tool.
- 4. You can then add them to your invoice along with yourself and send everything as a single invoice to your client.
A good tip is to check with the freelancers before you send the invoice to make sure they are registered and ready.
How do I get paid faster?
To ensure that you receive your salary as quickly as possible, we pay it out within one hour after your invoice has been paid. This applies provided that your account is held with an established bank within the EU that can receive payments in SEK. Thanks to our integration with real-time payment systems, your salary is transferred quickly and securely directly to your account.
I want to change my tax rate to something other than 30%.
Log in to your Invozio account and go to Account Settings → Bank and Tax Information → Income Tax. There you can change the tax rate used for your salary payments.
It is your responsibility to make sure the tax rate you choose matches your total income, even if you receive income from elsewhere. If your income changes during the year, you need to review and, if necessary, update your tax rate. If too little tax is withheld, you may need to pay back taxes.
Can I edit an invoice after creation?
Yes, you can request to edit an invoice once after it has been created. This feature allows you to make corrections if something was missed during the initial creation.
While editing an invoice, you can:
- Update pension details.
- Add or adjust working hours.
- Update holiday pay.
- Modify ROT/RUT (only if it was already added during creation; if not added earlier, it will remain disabled).
- You cannot add multiple freelancers.
- You cannot change the customer.
- You cannot create a new customer during the edit.
- Once an edit request has been made, you can no longer request a credit invoice.
Important limitations when editing an invoice:
What happens to the invoice after it has been credited?
- Once an invoice is credited, its status will be updated to “Credited”.
- After a credit invoice has been created, the original invoice can no longer be modified or requested for editing.
What should I do if I’ve been in an accident or caused damage?
If you’ve been involved in an accident or caused damage, it’s important to report the incident to Trygg-Hansa as soon as possible.
- Contract number: 25-2738090-08
- Company name: Invozio LV SIA
- Organization number: 502085-4062
When you submit your claim, be sure to include the following information:
This information helps Trygg-Hansa process your claim quickly and correctly.
What’s the maximum ROT/RUT deduction amount I can get?
In Sweden in 2026 this applies per person and year:
- ROT: maximum SEK 50,000
- RUT: maximum SEK 75,000
- However, the combined ceiling for ROT and RUT is a total of SEK 75,000 per year.
In addition, the following applies:
- ROT provides a tax deduction of 30% of the labor cost.
- RUT provides a tax deduction of 50% of the labor cost.
- Only the labor cost counts, not materials or travel expenses.
- The customer must also have paid enough tax to be able to use the full deduction.
Can I deduct a computer or phone as a tax-free expense?
No. Computers, mobile phones, and similar electronic devices cannot be deducted as tax-free expenses. These items are considered personal or long-term assets and are therefore not eligible for tax-free reimbursement. If they are business-related, they need to be managed and taxed according to applicable regulations.
How is vacation pay taxed?
Vacation pay is taxed using the same income tax rate that is registered for your salary payments with Invozio.
For example, if you have a tax rate of 23% registered in your profile, the same tax rate will be applied to your vacation pay.
If you wish to change your tax rate, please update it in your profile settings before the payment is processed.
What happens if I have debts with Kronofogden and receive my salary through Invozio?
Because Invozio is a foreign company, we cannot enforce Swedish wage garnishment or make automatic deductions from your salary. You are therefore responsible for contacting Kronofogden and arranging your payments. Inform them about your income through Invozio and ask for guidance on how payments should be handled in your case. If you have questions about your debt or available payment options, please contact Kronofogden directly.
Do you offer instant salary payouts?
Yes. When your customer has paid and your salary has been calculated, we pay it straight into your bank account as an instant payment, normally within a few minutes.
To receive instant payouts, connect your bank account via Brite under Profile Settings → Bank and Tax Information. This is currently available for Swedish banks and requires identification with Mobile BankID, so your account is verified directly with your bank.
If an instant payment can't be completed to your account, we automatically pay your salary through Revolut instead. It can then take up to 24 hours for the money to arrive.
Why is the instant salary payment not working for my bank account?
Instant salary payments are normally completed within a few minutes. However, certain Handelsbanken accounts and some accounts belonging to minors are currently unable to receive instant payments.
If the instant payment cannot be completed, we will instead process your salary payment manually through Revolut. In this case, it may take up to 24 hours for the funds to appear in your bank account.
You do not need to take any action. We will monitor the payment and automatically use the alternative payment method if the instant payment fails.
Why does Invozio use Brite for salary payouts?
Brite is a Swedish payment institution authorised and supervised by Finansinspektionen (the Swedish Financial Supervisory Authority). With Brite, we can pay your salary directly to your bank account as an instant payment, normally within a few minutes, instead of you having to wait for a regular bank transfer that can take one to three banking days.
If an instant payment cannot be completed to your account, we will automatically pay your salary through Revolut instead.
Why do I select my bank account via Brite?
When you connect your bank account via Brite, you log in to your own bank with BankID and choose the account you want your salary paid into. This confirms that the account exists and that it belongs to you.
This protects you against mistyped clearing and account numbers, and prevents anyone else from changing your payout details to an account that is not yours.
Can Invozio create an invoice for me?
Yes. Email support@invozio.com with all the documentation, and we’ll create the invoice and send it directly to your customer. You’ll receive a copy by email. Please include:
- the customer’s name, organisation number and address
- what you did and during which period
- the number of hours and hourly rate, or the total amount
- any agreements or attachments
The service costs SEK 95 excl. VAT per invoice. The fee is deducted from the invoice amount together with our ordinary fee.
Please double-check your documentation before you send it. The invoice goes directly to your customer, and if it needs to be corrected because of errors in the documentation, a new fee applies.
If you’d rather avoid the fee, you can create the invoice yourself in Invozio. It only takes a few minutes.
Can my customer pay the invoice with Swish?
Yes. If your customer is a private person in Sweden, your invoice includes a Swish QR code on its last page once it has been approved. Your customer scans the code and pays the invoice directly in the Swish app.
Swish is only available for private customers in Sweden. Companies and customers outside Sweden pay the invoice by bank transfer as usual.
Swish payments are always made in Swedish kronor. If your invoice is in another currency, the amount is converted to SEK at the current exchange rate.
How does a Swish payment work for my customer?
Your customer scans the QR code on the invoice, checks the invoice details and the amount, and selects "Pay with Swish". The payment is then approved in the Swish app.
When the payment is complete, your customer receives a confirmation email. If the payment doesn't go through, no money is withdrawn and your customer receives an email with a link to try again.
The payment is handled securely through Brite, a Swedish payment institution supervised by Finansinspektionen. Once we have received the payment, we pay out your salary as usual.
Can I change the design of my invoice?
Yes. Under Profile Settings → Theme preferences → Invoice theme, you can choose the colours of your invoice, such as the accent colour, the header banner, the payment box, the table and the text. You can also set the size of your logo.
Pick one of our ready-made colour presets or choose each colour yourself. You can always go back to the original look with "Reset to Default".
The preview shows exactly how your invoice will look before you save your changes.
Login and passwords
I’ve changed my email address. Can I log in with the new one instead?
To update your email address, you first need to log in with your current (old) email address or Mobile BankID. In Settings under Personal Information, you can then update to your new email.
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I've forgotten my password, what should I do?
If you have forgotten your password, you can easily reset it by clicking on the 'Forgot password?' link located directly under the login field. Follow the instructions to reset your password. Alternatively, you can log in using Mobile BankID for a quick and secure login process.
Occupational pension
How does the occupational pension at Invozio work with Idun Liv?
At Invozio, we offer occupational pension solutions in collaboration with Idun Liv. As a user, you can voluntarily choose to allocate up to 25% of your gross salary towards your occupational pension at each invoicing occasion, up to a maximum of 49,000 SEK.
Benefits of the occupational pension through Invozio and Idun Liv include:
- Low fees – More of your savings goes directly into your pension.
- Flexibility – You decide how much you want to save with each invoice.
- Wide range of funds – Access to many different funds, including sustainable options.
- Security – Idun Liv is a stable and well-reputed pension provider.
The occupational pension is an important complement to the national pension system and provides greater long-term financial security for freelancers and consultants.
Please note that salaries including pension contributions can take up to 60 days before they appear in your Idun Liv account. This is because pension contributions are handled in consolidated payments at the start of each month, after which Idun Liv needs time to register them correctly.
If you have waited longer than 60 days since your latest payslip and still do not see your pension contribution in your Idun Liv account, please contact us at:
What happens to my existing pension savings with SPP?
If you already have occupational pension savings with SPP, your existing capital stays there — nothing is transferred automatically.
Through our cooperation with Tydliga Partners, you can get help reviewing your existing savings, your fund selections, and whether transferring your existing pension capital would benefit you.
Want to move your existing pension savings from SPP to Idun Liv? Get in touch with Tydliga Partners and they'll help you with the transfer.
Do you have questions or concerns about your occupational pension, your savings or your insurance?
Do you have questions or concerns about your occupational pension, your savings, or your insurance? Björn Amb and Leif Rex at Tydliga Partners are your dedicated insurance brokers and are here to help you.
- Björn Amb, Advisor – Phone: 0708-72 73 72 – Email: bjorn.amb@tydliga.se
- Leif Rex, Advisor – Phone: 072-700 34 10 – Email: leif.rex@tydliga.se
- Julia Widén, Assistant – Phone: 08-83 73 00 – Email: julia.widen@tydliga.se
Tydliga Partners AB · 08-83 73 00 · info@tydliga.se
Loyalty programme
How does the loyalty programme work?
You earn points by using Invozio. Your points determine your loyalty level and the discount you receive on Invozio’s service fee.
The programme is available to both freelancers and business customers. However, business accounts are subject to separate rules and a different points system. The information below applies to individual freelancers.
How do I earn points?
- Invoicing: 1 point for every SEK 1 invoiced.
- Referring a new freelancer: 100,000 points.
- Leaving a review on Google or Trustpilot: 25,000 points per review.
- Birthday bonus: 25,000 points once per calendar year.
Invoicing points are added after the customer has paid the invoice. Referral points are awarded after the referred user has invoiced at least SEK 10,000 and the invoices have been paid.
What loyalty levels are available?
- Iron: Below 250,000 points – 0% discount.
- Bronze: From 250,000 points – 20% discount.
- Silver: From 500,000 points – 30% discount.
- Gold: From 1,000,000 points – 40% discount.
- Platinum: From 2,000,000 points – 50% discount.
The discount is automatically applied to Invozio’s service fee when you create an invoice.
How long are my points valid?
Your points are calculated based on your activity during the previous 12 months and updated daily. If your points fall below the threshold for your current level, you will automatically be moved to a lower level. You will receive an email notification before this happens.
Can I combine my loyalty discount with a promotional code?
No. Only one discount can be used at a time.
What long-term rewards are available?
If you remain at Gold or Platinum level for 365 consecutive days, you will receive:
- Gold: SEK 7,500 gross salary bonus.
- Platinum: SEK 15,000 gross salary bonus.
The bonus will be paid in connection with your next invoice.
Questions about the websites functions and features
Can I see what I've earned in a given period
Yes. Once you are logged in, go to the dashboard. In the sidebar, navigate to Time and Earnings and click on salary notice, where you can view your salary history.
We are five workers who often work together. Do I need to write in everyone's details each time?
No, you invite the people you want to invoice together within the invoice tool. When they register on the platform, you just enter their email address to create a new invoice. Max 15 persons can be added.
Can I see the invoices I registered previously?
Yes. Once logged in, go to your dashboard and navigate to the Invoices tab under manage Invoices.
Close my account
How do I unregister from Invozio? Email us at support@invozio.com and we'll fix it.
I often invoice the same clients; do I have to enter their details every time?
No, you don't have to do this. The customers you entered on previous occasions are saved, and you can easily choose from the list Retrieve existing customer on the Create Invoice page.
Can I invoice in other currencies?
Yes, you can also invoice in EUR, USD, GBP, CHF, CAD, AUD, NOK, DKK, JPY, and CNY. Your salary will always be paid in SEK. When we convert the amount from foreign currency to SEK, we apply a fixed currency margin of 0.5%. This secures the final SEK amount shown in your salary slip, and ensures that you know exactly what your payout will be after conversion.
How does Invozio's pricing model work?
Invozio's pricing is clear and straightforward. For standard invoicing, we charge a fee of 0.7%–1.4% of the invoiced amount, with a minimum fee of 70–140 SEK. For express payment services, the fee increases to 5.9% instead of 0.7%–1.4%, and the minimum fee changes to 590 SEK. This model ensures transparency and fairness in our fees, with no hidden costs. There are no subscription fees or binding contracts - the price you see is the price you pay.
How does holiday pay work when I invoice through Invozio?
When you invoice through Invozio, your salary includes holiday pay. You can choose to set aside between 0–50% of your salary as holiday funds each time you create an invoice. To manage your holiday pay, go to the dashboard. In the sidebar, under Time and Earnings, click on Salary Notice. Then open the Holiday Pay section, where you can view your accumulated holiday fund balance. There is also a Pay Out button that allows you to choose how much of your saved holiday funds you want to withdraw. A fee of 190 SEK will be deducted for each payout.
What expenses are deductible for freelancers?
As a freelancer, you can deduct costs that are directly related to a specific project and client. These include:
What about other expenses?
How do I document my expenses?
Consumable Materials: Materials used and consumed specifically for a project. Tools and Equipment: If these tools are billed to and transferred to the client's ownership after the completion of the project, otherwise the costs should be specified and properly handled in your tax declaration.
Other expenses such as travel, accommodation, rental of premises, and general goods can be deductible, as long as they are directly related to the project and the client, and you can provide a receipt or invoice in conjunction with your invoice created with us, otherwise the costs should be specified and properly handled in your tax declaration.
For all deductible costs, a receipt or invoice is required as proof. Be sure to save all documentation that supports your expenses.
For further information and guidelines, visit the Swedish Tax Agency's website:
Can I invoice clients worldwide with your platform?
Yes, our platform enables global invoicing to clients. We support the major international currencies to facilitate global transactions, including:
US Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Swiss Franc (CHF), Canadian Dollar (CAD), Australian Dollar (AUD), Chinese Yuan (CNY), Norwegian Krone (NOK), Danish Krone (DKK)
Are there any limitations?
Yes, due to international trade sanctions, we are unable to facilitate transactions with countries under such restrictions. Users must be aware of and comply with applicable laws and regulations.
What should I consider in international invoicing?
Be mindful of currency exchange rate fluctuations. Stay updated with the current exchange rates and consider this when pricing your services.
I don't have a Swedish personal identity number, can I still register?
Yes, you can register using a coordination number or your birthdate followed by three zeros. However, it is crucial that you have the legal right to reside and work in Sweden when registering. You should also apply for preliminary income tax as soon as possible. Follow the link below to reach the relevant authority.
Can I receive a wellness allowance through Invozio?
According to the rules of the Swedish Tax Agency, unfortunately, we cannot provide a wellness allowance unless it is offered to all our employees. Additionally, the allowance cannot be deducted from a freelancer's salary. This is a regulation set by the Swedish Tax Agency, which we must comply with. For a more detailed explanation and to understand the background of these rules, follow the link below to the relevant authority for further details.
What does Invozio's express payment involve?
To use express payment, you must log in with Mobile BankID. To qualify for express payment, both you and your client must have an 'Approved' credit status without remarks according to Invozio's credit policy. We conduct a credit check (UC) on both you and your client at the first use of the service, and when adding new clients. Additionally, a delivery check is conducted with your client to verify the accuracy of the invoice. This check is initially performed and then randomly thereafter.
Your salary is paid out the same day if all criteria are met. The exact time of payment depends on when your client verifies the invoice. If the delivery check is completed before 2:00 PM, we strive to pay out the salary the same day, or the next morning after a weekend or holiday at the latest. The cost for express payment is 5.9% of the total invoice amount, with a minimum fee of SEK 590 if the fee does not reach this amount, compared to a standard fee of 0.7%–1.4% (minimum fee 70–140 SEK).
Conditions for 'Approved' status include no payment remarks for either you or the client, the client is not yourself or someone with whom you have a significant common interest, the invoice date is not older than 30 days, the client is registered with the Swedish Companies Registration Office, the client has approved your invoice, and there are no disputes regarding the work performed.
By choosing Express Payment, you agree that we conduct UC checks on both you and your client. Note that Express Payments are not accepted for private individuals and sole proprietorships.
For Express Payment, there is a limit of SEK 60,000 per invoice, and payment terms exceeding 30 days are not accepted.
How do I create a contract with my client?
You can create a contract by using our template, which you can find when you log in on the homepage. Alternatively, you can ask your client to send their contract template to admin@invozio.com .
and our authorized signatory will sign it for you.
Can I send an e-invoice through you if my client requires it?
Yes, you can send e-invoices via Invozio. Before creating the invoice, you need to ask the customer for the details required for it to reach the right recipient:
- Peppol ID or GLN number for receiving e-invoices.
- Electronic reference, such as an order ID or reference number.
- Any order number, project number, or cost center the customer requires on the invoice.
Enter the details on the customer's profile and select e-invoice as the delivery method instead of email. We review the invoice and send it electronically once it has been approved. If you are unsure which details apply, check with the customer's invoicing department before sending the invoice to us.
Can I order an ID06 card through Invozio?
Yes. To order an ID06 card, simply email us at support@invozio.com and provide:
- First name
- Last name
- Date of birth
Once we have received this information, we can place the order for your ID06 card.
How long has the company been established, and where is your headquarters?
Invozio has been around since 2023 and has quickly grown to become one of the largest self-employment companies in the Nordic region. We took over the operations from the former company FakturaNU, which quickly became popular in Sweden.
Our headquarters are based in Tallinn, which is strategically located to serve the Nordic market. We have chosen to operate virtually in other countries to keep our overhead costs low and offer competitive prices to our users. More information about us, including our F-tax certificate, insurance letter, and partnership agreement with various suppliers in Sweden, can be found on our website via the link below.
What payment terms should I choose when invoicing through you?
You can select from payment terms of 10, 15, 20, 30, 45, or 60 days when billing your client. The industry standard is typically 30 days after the invoice date, so if you are unsure, we recommend choosing 30 days unless otherwise agreed upon with your client. Please note that if you opt for 45 or 60 days payment terms, you will not be eligible for our express payment service.
Once your invoice has been paid by the customer, we will send you an email with your payroll specification. Within 48 hours from the dispatch of this email, the funds will be deposited into your account.
Can my client pay my social security contributions?
No, we become your employer and must pay your social security contributions in Sweden. We deduct 31.42% for people up to 67 years old, and for those over this age, we deduct 10.21%.
I won't be invoicing worked hours, how do I proceed?
You can choose 'payment according to agreement' instead of worked hours. Then, enter a description in the invoice text that explains what the compensation is for.
Can I copy a previous invoice?
Yes, you can easily copy a previous invoice. Select the most recent invoice for the specific client and use the Copy previous invoice function. Just remember to update the dates and the days you worked before sending the invoice.
Do I need to register my hours or worked days to be able to invoice?
No, you don’t need to register your hours or worked days to create an invoice. However, please note that we cannot issue a proper employer certificate if your hours are not registered. In addition, you may need to report your worked hours to the Swedish Social Insurance Agency (Försäkringskassan) if you become sick-listed.
Tax Free Mileage
What determines whether a journey qualifies for tax-free mileage allowance?
A journey does not qualify for a tax-free mileage allowance simply because it is long, expensive or approved by the customer. The decisive question is whether the journey is business travel or ordinary commuting between your home and your place of employment.
- Business travel may qualify for a tax-free mileage allowance.
- Travel between your home and your place of employment does not qualify.
- The distance itself does not determine the tax treatment.
Is there a minimum distance for a tax-free mileage allowance?
No. There is no minimum distance for a tax-free mileage allowance.
A journey of one kilometre may qualify if it is business travel. A journey of 200 kilometres may fail to qualify if it is ordinary commuting between your home and your place of employment.
The requirement to travel more than 50 kilometres applies to tax-free per diem allowances, not mileage allowances.
When can I receive a tax-free mileage allowance?
You may receive a tax-free mileage allowance when you use your private car for a journey required as part of your work. Examples include driving:
- from your place of employment to a customer or another workplace;
- between different customers or workplaces during the working day;
- to collect materials or equipment required for the assignment;
- from a customer's premises to a filming location, meeting or delivery location;
- from your home to a customer, but only if your home has been established as your place of employment.
The journey must be directly connected to an assignment carried out through Invozio.
When am I not entitled to a tax-free mileage allowance?
A tax-free mileage allowance cannot normally be paid for:
- travel between your home and your place of employment;
- regular travel to the location where you perform the majority of the assignment;
- private journeys or private detours;
- journeys that cannot be supported by a mileage log or travel record;
- driving a vehicle that does not qualify for the selected standard allowance;
- travel that has no direct connection to an assignment through Invozio.
Customer approval does not make private commuting tax-free.
If Invozio pays an allowance for a journey that does not qualify as business travel, the payment must normally be treated as taxable salary.
What is a place of employment?
Your place of employment is the location where you perform the majority of your work during the relevant employment or assignment. You can only have one place of employment with the same employer within a single employment.
This distinction is important because:
- travel between your home and your place of employment is private commuting;
- travel from your place of employment to another workplace is normally business travel.
As the employer, Invozio is responsible for determining your place of employment. The freelancer cannot choose the location freely.
Is my home automatically my place of employment?
No. Your home does not automatically become your place of employment merely because you perform administrative work, send invoices or plan the assignment from home.
The assessment depends on factors including:
- where the majority of the work is performed;
- whether the assignment is fixed-term or ongoing;
- how long the assignment is expected to continue;
- whether the work is performed at one fixed location or at several changing locations;
- where the working day is prepared and concluded;
- where materials, vehicles or equipment are collected and returned.
If you perform the majority of the work at the same customer's premises, that location may be your place of employment.
When do trips to the customer count as business trips for a fixed-term assignment?
For a fixed-term employment or an individual assignment through Invozio, the place of employment is normally determined based on the circumstances of that particular assignment.
If the assignment is mainly performed at the customer's premises, the customer's workplace may be your place of employment from the beginning of the assignment. Travel between your home and the customer is then ordinary commuting and does not qualify for a tax-free mileage allowance. This applies even if:
- the assignment only continues for a limited period;
- the customer is located far from your home;
- you found the customer yourself;
- the customer has agreed to pay mileage;
- you invoice the customer through Invozio.
There is no rule stating that the journey becomes business travel because it exceeds a certain number of kilometres.
Can I get tax-free mileage allowance for trips to a long-term assignment?
A long-term assignment does not automatically give you a right to tax-free mileage allowance.
If you perform the majority of your work at the long-term assignment location, that location may be your place of employment. Travel between your home and that location is then private commuting. However, if you already have an established place of employment and are temporarily sent to another workplace, the original place of employment may remain unchanged. In that situation, travel to the temporary workplace may be business travel. This must be assessed based on:
- the terms and duration of the employment through Invozio;
- whether the assignment is a separate employment or a temporary change within an existing employment;
- where the majority of the work is performed;
- whether the change of workplace is temporary or permanent;
- the expected circumstances when the assignment begins.
There is therefore no automatic rule that all travel to a long-term assignment qualifies for tax-free mileage allowance.
Can I receive mileage allowance from my place of employment to a long-term assignment location?
Yes, if the long-term assignment location is another workplace and your original place of employment remains unchanged.
For example:
- Your established place of employment is location A.
- You drive from location A to another workplace at location B to perform work.
- The journey from A to B is normally business travel.
However, if location B has become your place of employment because you perform the majority of your work there, travel between your home and location B is ordinary commuting.
The name used for the location or invoice item does not determine the outcome. Invozio must establish which location is the actual place of employment.
Can I receive mileage allowance between different workplaces?
Yes. Driving between customers or workplaces during the working day is normally business travel.
What happens if my place of employment is the customer's studio?
You perform the majority of your assignment at the customer's studio and need to drive to a filming location during the day:
- Home to the customer's studio: private commuting.
- Customer's studio to the filming location: business travel.
- Filming location back to the studio: business travel.
- Customer's studio back home: private commuting.
Only the journeys between the studio and the filming location qualify for tax-free mileage allowance.
Do trips to customers count as business trips when my home is my place of work?
You work continuously at different customer locations, have no fixed customer workplace and your home has been established as your place of employment:
- Home to customer A: business travel.
- Customer A to customer B: business travel.
- Customer B back home: business travel.
The outcome depends on Invozio's assessment of the place of employment.
Are trips to a fixed assignment business trips if the customer is far away?
You accept a three-month assignment that is performed entirely at the same customer's premises, 150 kilometres from your home:
- The customer's premises may be your place of employment for that assignment.
- Travel between your home and the customer is then private commuting.
- The distance of 150 kilometres does not make the journey business travel.
What are the tax-free mileage allowance rates?
The maximum tax-free mileage allowance rates are:
- Private car: SEK 25 per Swedish mile.
- Fully electric company car provided as a taxable benefit: SEK 9.50 per Swedish mile.
- Other company car provided as a taxable benefit: SEK 12 per Swedish mile.
One Swedish mile is equal to 10 kilometres.
For a company car provided as a taxable benefit, the general rule is that you must have paid for all fuel or electricity yourself. Special rules apply to plug-in hybrid company cars.
What is considered a private car?
A private car is a car that has not been provided as a company car by Invozio or another employer.
This may, for example, be a car that you own privately or lease privately and for which you personally pay the associated costs.
What is included in the allowance of SEK 25 per Swedish mile?
The standard allowance is intended to cover normal costs associated with using the car, including:
- fuel or charging;
- depreciation and wear;
- servicing and repairs;
- tyres;
- insurance and other normal vehicle costs.
You cannot normally receive separate tax-free reimbursement for fuel or charging in addition to the mileage allowance.
Can parking fees and congestion charges be reimbursed separately?
Yes. The following costs are not included in the standard mileage allowance and may be reimbursed separately when they relate to business travel:
- parking fees;
- congestion charges;
- road and bridge tolls;
- ferry charges.
The costs must be recorded separately and supported by a receipt or other documentation.
Parking at your place of employment is normally a private expense.
Can I get more than SEK 25 per Swedish mile in mileage allowance, and how is the rest taxed?
The customer and Invozio may agree on a higher price, but only SEK 25 per Swedish mile may be paid tax-free when you use a private car.
If a higher amount is paid to you, the portion exceeding the standard allowance will normally be treated as taxable salary. Invozio must deduct tax and pay employer contributions on the excess amount.
Example: the customer pays SEK 35 per Swedish mile and you have driven 10 qualifying Swedish miles for business. SEK 250 may be paid as a tax-free mileage allowance, and the remaining amount is included in the basis for salary and taxation.
This calculation only applies after the journey has been established as business travel.
Can I receive both a per diem allowance and a mileage allowance?
Yes, if the separate requirements for both reimbursements are met.
Mileage allowance relates to the use of a car for business travel. There is no minimum distance or overnight requirement.
A tax-free per diem allowance requires a business trip involving an overnight stay more than 50 kilometres from both your home and your place of employment.
Can I receive mileage allowance for a rental car?
No, not under the standard allowance for a private car because a rental car is not your private car.
Instead, the actual rental and fuel costs may be reimbursed against receipts, provided that they relate to the assignment and have been approved.
Can I receive mileage allowance for taxis or public transport?
The standard mileage allowance does not apply to taxis, trains, buses or other public transport.
Actual business travel costs may instead be reimbursed tax-free against a receipt or ticket.
Does the same mileage allowance apply when driving abroad?
Yes. If you use your private car for qualifying business travel abroad, Invozio may normally pay a tax-free mileage allowance of SEK 25 per Swedish mile.
The journey must be documented in the same way as travel within Sweden. Foreign road tolls, bridge tolls, ferry charges and parking fees must be recorded separately.
What information should be included in a driving log or travel expense report for mileage allowance?
You must submit a mileage log or travel record containing:
- the date of the journey;
- the assignment to which the journey relates;
- the business purpose;
- the starting point and destination;
- the customers or workplaces visited;
- the number of kilometres driven;
- the vehicle used;
- confirmation of whether the vehicle is private or a company car;
- any separately claimed parking fees, tolls or congestion charges.
Invozio may request additional information to determine the place of employment and whether the journey qualifies as business travel.
What is the key takeaway about tax-free mileage allowance?
There is no minimum distance for a tax-free mileage allowance.
The decisive distinction is: travel required as part of the work and made to another location than the place of employment may qualify as business travel. Travel between the home and the place of employment is private commuting, regardless of the distance.
Every journey must be assessed based on the actual circumstances. Customer approval alone is not sufficient.
Rules and standard rates may change for each new income year.
Last updated: September 2026.
Sources:
Travel Allowance
What is a travel allowance (traktamente)?
As a self-employed contractor through Invozio, you may, under certain conditions, receive a tax-free travel allowance for a business trip. The allowance is intended to cover increased living expenses, such as higher costs for meals and other minor expenses during the trip.
When can I receive a tax-free travel allowance?
For Invozio to be able to pay a tax-free travel allowance, the trip must normally meet all of the following requirements:
- The trip is made as part of an assignment through Invozio.
- You work temporarily at a location other than your usual place of work.
- The location is more than 50 kilometres from both your home and your usual place of work.
- The trip includes at least one overnight stay.
The actual circumstances determine whether the trip qualifies as a business trip. The fact that the customer reimburses the travel allowance or that a travel allowance is stated on the customer invoice does not automatically mean that the reimbursement can be paid tax-free.
If work is regularly performed at the same location, that location may in some cases be considered your usual place of work. In that case, there is normally no entitlement to a tax-free travel allowance for trips there.
Can I receive a travel allowance for a trip without an overnight stay?
No. A tax-free travel allowance requires the business trip to include at least one overnight stay.
However, Invozio may reimburse certain actual expenses against receipts, provided that the expenses are related to the assignment and have been approved by the client. A reimbursement that does not meet the requirements for a tax-free travel allowance may need to be treated as taxable salary.
How much is the travel allowance in Sweden in 2026?
The maximum tax-free amounts in Sweden are:
- Full day: SEK 300
- Half day: SEK 150
- After three months in the same location: SEK 210 per full day
- After two years in the same location: SEK 150 per full day
- Night allowance when accommodation costs cannot be documented: SEK 150 per night
The departure day is counted as a full day if the trip starts before 12:00. The return day is counted as a full day if the trip ends after 19:00.
If departure takes place at 12:00 or later, or if the return takes place at 19:00 or earlier, the day is counted as a half day.
How is the travel allowance calculated for a trip abroad?
For business trips abroad, the Swedish Tax Agency's standard amount for the relevant country is used. The standard amounts vary between countries and are determined for each income year.
- Full day: one full standard amount
- Half day: half of the standard amount
- After three months in the same location: 70% of the standard amount
- After two years in the same location: 50% of the standard amount
- Night allowance when accommodation costs cannot be documented: 50% of the standard amount
Current amounts are available in the Swedish Tax Agency's list of foreign travel allowances for 2026.
What applies if I visit several countries on the same day?
You must record which countries you have stayed in and the times of your stay. The standard amount to be used is normally determined by the country where you have spent the longest time during the day.
Time spent on board an aircraft or vessel may need to be assessed separately. Therefore, record the entire itinerary and the correct times in the travel expense report.
Do I need a receipt for the travel allowance?
No, normally not for the travel allowance itself, as it is calculated using standard rates. However, you must provide sufficient information about the trip, including:
- the date and time of departure and return;
- the destination and countries visited;
- where the overnight stays took place;
- which complimentary meals you received;
- how the trip relates to the assignment through Invozio.
A receipt is required when you request reimbursement for actual costs, such as hotels, transport or other expenses.
Can I receive reimbursement for a hotel?
If you paid for the hotel yourself, the actual accommodation cost can normally be reimbursed against a receipt, provided that the cost is related to the assignment and has been approved.
If you have incurred an accommodation cost but cannot document the amount, a night allowance may in some cases be used:
- SEK 150 per night in Sweden.
- Half of the standard amount per night abroad.
A night allowance must not be paid if the customer or Invozio has already paid for the accommodation.
What happens if I receive complimentary meals during the trip?
A complimentary meal may have two separate tax consequences:
- The tax-free travel allowance is reduced.
- You may need to be taxed on a meal benefit.
These two calculations are handled separately by Invozio.
How much is the travel allowance reduced in Sweden?
The following reductions apply in 2026 for a full travel allowance in Sweden:
- Breakfast: SEK 60
- Lunch or dinner: SEK 105
- Lunch and dinner: SEK 210
- Breakfast, lunch and dinner: SEK 270
Different reduction amounts apply for longer business trips, for example after three months or two years.
How much is the travel allowance reduced abroad?
The following reductions apply for a complimentary meal abroad:
- Breakfast: 15% of the country's standard amount
- Lunch or dinner: 35%
- Lunch and dinner: 70%
- Breakfast, lunch and dinner: 85%
What is a meal benefit?
If Invozio, the customer or someone else pays for a private meal for you because of your work, you may need to be taxed on a meal benefit.
The following standard values apply for 2026:
- Breakfast: SEK 62
- Lunch: SEK 124
- Dinner: SEK 124
- Lunch and dinner: SEK 248
- Breakfast, lunch and dinner: SEK 310
The meal benefit is added as a taxable item in the payroll basis. It is not a cost to be charged to the customer.
What applies if the customer buys me lunch?
If the customer pays for an ordinary lunch for you because of your work, the travel allowance should normally be reduced. You will also normally be taxed on a meal benefit of SEK 124 during 2026.
If the lunch instead qualifies as external representation, the travel allowance is reduced, but a meal benefit normally does not arise.
You must therefore state both who paid for the meal and the context in which it was provided.
What applies to hotel breakfast?
A hotel breakfast that is obligatorily included in the room price reduces the tax-free travel allowance.
However, the hotel breakfast normally does not result in a meal benefit, provided that it is obligatorily included in the room price.
What applies to food included in an airline or train ticket?
A meal that is obligatorily included in the price of a ticket for public transport normally results in:
- no reduction of the travel allowance; and
- no meal benefit.
This may, for example, apply to a meal that is included without any option to choose otherwise in an airline or train ticket.
What applies to representation?
Both internal and external representation normally reduce the tax-free travel allowance.
However, a meal that meets the requirements for representation normally does not result in a meal benefit. There must be a clear connection to the business and information about, for example, participants and the purpose.
What applies if I pay for the food myself?
If you pay for the meal privately and do not receive separate reimbursement for it, the travel allowance should normally not be reduced and no meal benefit arises.
What happens after three months in the same location?
If the business trip continues in the same location for more than three consecutive months, the maximum tax-free travel allowance is reduced to:
- SEK 210 per full day in Sweden.
- 70% of the standard amount abroad.
After two years, the amount is reduced to 50%.
The three-month rule normally does not apply when the work is continuously carried out while travelling, for example for a truck driver travelling between different locations.
Can a person accompanying me on the trip receive a travel allowance?
An accompanying person can only receive their own travel allowance if they actually work on the assignment and are employed for the work through Invozio.
Accompanying you as company or helping informally does not create entitlement to a travel allowance. This also applies if the person is stated to have compensation of SEK 0.
Private travel and accommodation costs for an accompanying person cannot be reimbursed tax-free by Invozio.
Can the travel allowance be invoiced to the customer?
If the customer has approved the reimbursement, the travel allowance cost may be included in the invoice basis. However, the reimbursement on the customer invoice and the payment to you are two separate matters.
The travel allowance is paid through your travel expense report and salary payment. The information in the travel expense report and the Swedish Tax Agency's rules determine how much can be paid tax-free.
A label such as "travel allowance" on the customer invoice does not in itself mean that the amount becomes tax-free.
How do I register a travel allowance with Invozio?
Register the trip in connection with the relevant assignment and provide:
- departure and return dates;
- the time of departure and return;
- the destination and all countries visited;
- overnight locations;
- complimentary meals and who paid for them;
- the context of the meal, for example an ordinary work meal, hotel breakfast or representation;
- any accommodation cost and the related receipt.
Invozio may request additional information if necessary to determine whether the reimbursement can be paid tax-free.
What is important to know about the travel allowance?
Travel allowances are assessed based on each individual trip and the actual working conditions. Invozio therefore cannot guarantee that an amount is tax-free solely because the customer has approved the cost.
Rules and standard amounts may change before each new income year.
Last updated: September 2026.