Invoice without a company cheapest (2026)
The cheapest option depends on whether you pay a percentage or a fixed price (effective fee).
For around SEK 25,190/month, a percentage model such as WorkNode FLEX 3.95% is usually the cheapest option.
Above approximately 25,190 SEK/month, the fixed price WorkNode PRO 995 SEK/month is usually the cheapest option.
Example: SEK 100,000/month -> SEK 995 = 0.995% (approx. 1%).
Break-even point: 995 / 0.0395 = 25,190. See the calculator below.
WorkNode is the only company in Sweden to offer a fixed price for invoicing without a company. Therefore, many comparisons are misleading if you only look at percentages. On this page, you will find the formula, the break-even point, and a table showing exactly when PRO or FLEX gives you the most money left over.
Many people compare it to Frilans Finans and Cool Company. That's reasonable. But always compare the fee in kronor at your invoice level, and check what is included in the terms and conditions, insurance, and pension—especially with the cheapest options.
What does "cheapest" actually mean?
Most services for invoicing without a company take a percentage of the invoice. WorkNode is the only provider in Sweden with both a percentage model (FLEX) and a fixed-price service (PRO). Therefore, the cheapest option is not always the lowest percentage fee—it depends on how much you invoice.
Effective fee = what the service actually costs you per month in dollars.
Example:
3.95% of SEK 10,000 = SEK 395
995 SEK fixed = 995 SEK
At 10,000 SEK/month, the percentage is cheaper. But at 30,000 SEK/month:
3.95% of SEK 30,000 = SEK 1,185
995 SEK fixed = 995 SEK
Now, a fixed price is cheaper.
Invoice without a company - at a fixed price!
Break-even: When does it cost the same?
WorkNode FLEX vs PRO – which model is right for you?
Whether you invoice occasionally or monthly, we have a solution to suit you. Choose between a flexible percentage fee or a fixed monthly rate - and get full peace of mind, support and employer responsibility in return.
Pay-as-you-go.
For those who invoice occasionally.
3.95% of the invoiced amount
Fixed price.
For those who mean business.
From SEK 995/month
Compare our price plans
Choose between our two plans. No hidden fees - just fair, transparent prices.
"I invoice every month - PRO allows me to keep more."
"I do freelance work from time to time - FLEX suits when assignments come irregularly."
"I want to grow at my own pace - WorkNode gives me the freedom to choose."
How to invoice without a company - step by step
Create an account
You register with Worknode and enter your account details so that your salary can be paid out.
Send your invoice
When the assignment is complete, log in and register the customer, fill in the assignment, add hours or amounts, and send the invoice via Worknode. The invoice is sent from Worknode to your customer, with F-tax and correct VAT.
You will receive your salary
Once the invoice has been paid, the money will appear in your Worknode balance. From there, you can request your salary. Worknode handles all reporting to the Tax Agency, pays employer contributions, and ensures that you are covered by the relevant insurance. You can focus on your assignments, not administration.
Welcome to the world of easy invoicing without a company!
How do you actually compare services?
Many compare WorkNode to Frilans Finans and Cool Company (larger players with collective agreements), or low-cost alternatives such as Invozio and Utbetalning.com.
Tips when comparing:
Check what is included: Are pension, insurance, and collective agreements included? Or are they extra?
What features are offered: Expense management? Dashboard? Fast payments?
Calculate your scenario: Use your actual billing, not "typical examples."
Read the terms and conditions: Notice period? Contract term? Hidden fees?
Check their reputation: Read Trustpilot and ask other freelancers.
WorkNode models:
FLEX: 3.95%, no binding agreement, no monthly fee.
PRO: SEK 995/month, lower effective fee for higher billing, collective agreement included.
Security: salary, insurance, and collective agreements
Many services that offer "invoicing without a company" focus only on the payment itself. Worknode is built more like a small back office department for you.
With Worknode, you get:
Salary with A-tax and payslip
Collective agreement-based terms and conditions
Insurance linked to your work
Occupational pension according to the solutions offered by Worknode
Help with questions about assignments, agreements, and terms and conditions
This allows you to take on freelance assignments while still having a clear employer behind you.
Hear what our users say
Many people also ask: Should I invoice without a company or start my own company?
Invoicing without a company and running your own company are two different ways of working.
Invoice without a company via Worknode:
No start-up or company registration
No accounting or annual report
Worknode is the employer and assumes employer responsibility.
You receive a salary, security, and insurance
Start your own company (sole proprietorship or limited liability company):
More administration and responsibility
You are responsible for accounting, VAT, and taxes.
May be more profitable in the long term for some, but requires more time and knowledge
Several "hidden costs" such as insurance, accounting software, bank fees, accounting consultants, etc.
A common approach is to start by invoicing without a company via Worknode, and later, if you wish, start your own company when you have stable assignments and feel ready to take the next step.
Who can use WorkNode?
Worknode is open to most types of assignments where:
You invoice companies, organizations, or sometimes private individuals.
The assignment is legal and insurable.
There is a clear contract or order
Examples of common assignments:
Consulting assignments in IT, technology, HR, finance
Projects in marketing, design, photography, and film
Lectures, training courses, and workshops
Production, technology, and industrial projects via clients
Not sure if your assignment is valid? Then you can contact Worknode's support team and get help assessing it before sending the invoice.
Try invoicing without a company with Sweden's most convenient and reliable service.
Freelance smarter with WorkNode.
Frequently asked questions about invoicing without a company (FAQ)
How much does it cost to invoice without a company at WorkNode?
WorkNode has two pricing models: FLEX costs 3.95% of the invoiced amount (you only pay when you invoice), or PRO, which costs SEK 995/month regardless of how much you invoice. Choose FLEX if you invoice less than SEK 25,000/month, choose PRO if you invoice more.
When is FLEX cheaper than PRO?
FLEX (3.95%) is cheaper when you invoice less than SEK 25,190/month. Example: at SEK 20,000/month, you pay SEK 790 with FLEX compared to SEK 995 with PRO. At SEK 30,000/month, you pay SEK 1,185 with FLEX compared to SEK 995 with PRO – in which case PRO is cheaper.
What is included in the price?
Both FLEX and PRO include: employment with WorkNode, automatic payment of taxes and employer contributions, occupational pension, insurance (TFA and contractual insurance), collective agreement via Svenska Medarbetare, unemployment insurance, payments, and support. No hidden fees.
How much do I save with PRO compared to FLEX?
At SEK 30,000/month, you save SEK 190/month (FLEX costs SEK 1,185, PRO costs SEK 995). At SEK 50,000/month, you save SEK 980/month (FLEX costs SEK 1,975, PRO costs SEK 995). The more you invoice, the more you save.
Is WorkNode cheaper than Frilans Finans and Cool Company?
Yes. WorkNode is cheaper regardless of how much you invoice. FLEX (3.95%) is lower than our competitors' percentages, and PRO (SEK 995/month fixed price) beats both Frilans Finans and Cool Company's percentage models at around SEK 17,000/month in invoicing. Read our detailed comparison for exact calculations.
Can I switch from FLEX to PRO later?
Yes. You can upgrade from FLEX to PRO at any time. No binding periods, no notice period.
What happens if I don't invoice for a month?
FLEX: You pay nothing. PRO: You pay SEK 995 anyway, as it is a fixed monthly cost. Therefore, FLEX is better suited for sporadic invoicing and PRO for regular invoicing.
My monthly invoicing varies – what should I choose?
Calculate your average over 3 months. Over $2,500/month on average? Choose PRO. Less than that? Choose FLEX. You can also start with FLEX and upgrade to PRO when your billing increases. No binding period.
Is it difficult to get started?
No. Create an account, verify yourself with BankID, add your assignment – done in 5 minutes. Then send invoices directly via WorkNode and receive automatic payment when the customer pays.
Can I deduct expenses?
Yes. You upload receipts for work-related expenses in the app and deduct them tax-free from your pre-tax invoice. This applies to both FLEX and PRO.
Can I have accounts with multiple services at the same time?
Yes. However, you can only be employed at one place at a time per assignment, so you cannot invoice the same assignment from different services at the same time.