What is the cheapest way to invoice without a company?

It depends on the invoice amount, how often you invoice, and the service terms. Among WorkNode’s plans, FLEX costs the least at SEK 10,000 of monthly invoicing: a service fee of SEK 395. At SEK 50,000, PRO is less expensive: SEK 995 compared with the FLEX fee of SEK 1,975. Amounts exclude VAT. Also count subscription costs in months without assignments.

The break-even point is the monthly fee divided by the percentage fee. For WorkNode PRO and FLEX that is 995 ÷ 0.0395 ≈ SEK 25,190 of monthly invoicing excluding VAT. Above that amount, PRO has a lower service fee than FLEX. Also compare the whole subscription period, because PRO has a commitment period.

Compare the cost for the whole period, including months when you do not invoice. If you invoice SEK 50,000 excluding VAT in total over six months, FLEX costs SEK 1,975. A six-month PRO subscription costs SEK 5,970 at SEK 995 per month. In that example FLEX is less expensive, even if the whole invoice is sent in a single month.

At SEK 50,000 of invoicing excluding VAT in one month, the service fees are:

The effective fee shows the service cost as a share of your invoicing. With PRO the service costs SEK 995 per month. At SEK 50,000 of monthly invoicing that is 1.99%. At SEK 100,000 it is about 1%. That is how you compare a fixed monthly price with a percentage fee.

No. At SEK 50,000 of invoicing, the difference between a 6% service fee and PRO’s monthly price is SEK 2,005. That is a saving on the service fee. How much more is paid out also depends on employer contributions, preliminary tax, and any pension contributions.

Use the invoice amount excluding VAT. VAT is not part of your salary and should not be counted as money you keep. If the invoice is SEK 12,500 including 25% VAT, enter SEK 10,000 in the comparison.

No. WorkNode PRO has a 0% percentage invoice fee but costs SEK 995 per month. Employer contributions and preliminary tax also affect the salary. When you compare services, look at both the percentage fee and any fixed costs.

Yes, if the service also has a minimum fee or a fixed cost per invoice. As an example, a minimum fee of SEK 100 is 10% of a SEK 1,000 invoice, even if the advertised percentage is lower. Check what your particular invoice costs in kronor.

The calculators can use different assumptions about tax, employer contributions, pension, and deductions. One calculator may show gross salary while another shows net salary. Compare the same invoice amount excluding VAT and the same settings. A pension contribution, for example, is savings for you and should be kept separate from the service fee.

Check when the salary is paid, which assignments the insurance covers, what support is included, and how unpaid or disputed invoices are handled. Also read about commitment period, cancellation, and the cost of add-ons you need. Choose a service that fits the assignment, then compare the total cost.

Start by comparing your actual fee and checking any commitment period with your current service. Plan the switch before a new assignment and connect WorkNode before you agree the payment with the client. Invoices already sent are normally handled by the service that sent them. Count any overlapping subscription costs when you calculate the saving.