Freelance Finance vs WorkNode: how fees and terms differ
If you are looking for a service to invoice without a company, WorkNode offers lower fees than Frilans Finans. WorkNode also offers optional occupational pensions and a modern, simple platform built for freelancers and consultants.
Frilans Finans is one of Sweden's best-known self-employment companies and charges up to 6% on the invoice amount, while you have to set aside 4.5% of your income for occupational pension if you are aged between 25 and 65. This forces you to save but means lower net pay in the here and now.
WorkNode is one of Sweden's fastest growing self-employment companies that offers two options: FLEX with 3.95% per invoice and PRO, a fixed monthly fee from SEK 995 where you invoice unlimited without a percentage on each invoice. At WorkNode, you choose whether and how much you want to set aside for occupational pension.
Both handle tax, social security and payroll under Swedish law, but WorkNode offers lower contributions and provides greater freedom around pensions and collective agreements.
This page provides a comparison, concrete examples and FAQs to help you choose the right solution for your particular freelance situation.
Why freelancers choose WorkNode over Freelance Finance
About Freelance Finance in brief
Frilans Finans is one of Sweden's oldest and largest self-employment companies. They help individuals to invoice without companies and take care of invoicing, payment of tax and employer's contributions and salary payment.
According to their own information:
Connection is free of charge
They charge a fee of 4-6% of the invoice amount, often expressed as a 6% administrative fee 
You are covered by basic insurance through them
The model is suitable for those who want to get started quickly, do not want to start their own business and accept a percentage fee on each invoice in exchange for administration and security.
About WorkNode in brief
Worknode is a Swedish self-employment platform that allows you to invoice without a company and receive a salary with taxes, employer contributions and administration handled. Worknode has two pricing models: 
Worknode FLEX - 3.95% per invoice, no fixed cost, no lock-in period
Worknode PRO - fixed monthly fee from SEK 995, unlimited billing with no percentage charge
Worknode has a collective agreement with the trade union Svenska Medarbetare, which can provide extra security regarding salary, sick pay, vacation and insurance for those who report their assignments according to the terms. 
The model is suitable both for those who invoice occasionally (FLEX) and for those who invoice regularly and want to minimize percentage fees (PRO).
Freelance Finance vs Worknode in brief
An overview comparison as of 2025-11-30 (always check the latest information with each company):
Prices and fees
Freelance Finance
Administrative fee: 4-6% of the invoice amount (several materials give 6% as an example) 
No fixed monthly fee
WorkNode (two models)
WorkNode FLEX
Fee: 3.95% of the invoice amount 
No fixed monthly fee, no lock-in period
Worknode PRO
Fixed monthly fee from SEK 995, unlimited billing with no percentage charge 
Designed for freelancers invoicing SEK 25,000/month or more
Safety and conditions
Both companies act as employers in the self-employment model and handle tax, social security contributions and wage payments according to Swedish law.
Worknode offers the possibility to be covered by collective agreements when pre-notifying assignments, with associated insurance and clear rules on salary, vacation and sick pay. 
When could Worknode become cheaper?
For those who bill regularly, especially from around £25,000/month and upwards, Worknode PRO's fixed price from £995/month can allow you to keep significantly more of the invoice amount compared to a percentage model. 
Tip: Use Worknode's salary calculator to simulate different amounts and compare what you'll be left with after contributions, taxes and employer contributions.
Fees in practice - example calculations
The examples below are simplified and should be seen as illustrations. For exact amounts, you need to use the respective company's salary calculator.
Example 1: Invoice 20 000 SEK excluding VAT
Freelance Finance, 6% fee:
Fee approx. SEK 1 200
Remaining salary before tax: about SEK 18,800 minus employer contributions and tax
WorkNode FLEX, 3.95% fee:
Fee ca 790 kr
Remaining salary before tax: about SEK 19,210 minus employer contributions and tax
WorkNode PRO, 0% fee:
Fee 995 kr, fixed price
Remaining salary before tax: about SEK 19,005 minus employer contributions and tax
Example 2: Invoice 50 000 SEK excl. VAT (regularly per month)
Freelance Finance, 6% fee:
Fee approx. SEK 3,000 per month
Worknode PRO, fixed price from SEK 995/month:
Fee SEK 995 per month (unlimited billing)
In this scenario, the difference in fee would be approximately SEK 2,000 per month in favor of Worknode, which corresponds to 24 000 per year. 
Invoicing without a company - choose between fixed or variable price!
See how much you save
Security, insurance and collective agreements
Freelance Finance
Freelance Finance promotes security through:
Managing invoicing, taxes, social security contributions and payroll
Insurance cover linked to the missions
Mandatory occupational pensions for certain age groups
You get one job per assignment and avoid the basic administrative requirements of a sole trader or limited company.
WorkNode
WorkNode offers:
Managing invoicing, taxes, social security contributions and payroll
Possibility to be covered by collective agreements through pre-notification of assignments
Insurance linked to collective agreements for the missions covered
Flexible pension provision where you choose the level
For those who value both security and control, WorkNode can combine clear employment terms with greater freedom to manage your finances.
When does Freelance Finance fit, when does WorkNode fit?
When might Freelance Finance be relevant?
The most obvious advantage of Freelance Finance is that it is very established and has been in the market for a long time 
If you are already used to their system, appreciate their brand and are fully satisfied with a percentage-based contribution model with a mandatory occupational pension, you can of course continue there.
Why Worknode is often a better option
For most freelancers and consultants, Worknode is built to be both easier in everyday life and more affordable financially:
Lower fees for the same invoice amount - 3.95% with FLEX compared to up to 6% with Frilans Finans, and fixed price with PRO from SEK 995/month without percentage fees. 
Optional occupational pension - You decide if and how much you want to set aside, giving you more control over the balance between net pay today and pension in the future.
Modern, VC-backed platform - Worknode has recently raised venture capital to build a modern, fast and user-friendly platform with a focus on automation and minimized administration for freelancers and consultants. 
Focus on removing unnecessary stress - The aim is to allow you to spend your time on assignments and clients, not on accounting, stress and administration. You get employer liability, collective agreements, insurance and support in one package, but with a pricing model that doesn't penalize you when things go well.
In short: Frilans Finans has the brand and the history. WorkNode is built for the next generation of freelancers who want the same security, but lower fees, more control and a smoother digital experience.
Step by step - how to invoice via Worknode
Create an account
Register and fill in the essential information - name, address and social security number - and you're good to go.
Send your invoice
Invoicing as a private individual via Worknode only takes a few minutes.
Then it's a matter of waiting for the payment from your client.
Get your salary in your account
As soon as your invoice is paid, you can receive your salary directly into your account. We'll take care of all the fees, VAT and taxes (and pension if you want).
Welcome to the world of easy invoicing without a company!
Try invoicing without a company with Sweden's most convenient and reliable service.
Freelance smarter with WorkNode.
Frequently asked questions (FAQ)
Is Worknode cheaper than Freelance Finance?
For the same invoice amount and similar pension level, Worknode's fees are lower. FLEX costs 3.95% compared to up to 6% at Frilans Finans, and PRO provides a fixed price from SEK 995/month without a percentage fee, which is often significantly cheaper for those who invoice recurring and slightly larger amounts. 
How does the security differ between Freelance Finance and Worknode?
Both companies act as employers in the self-employment model and handle tax, employer contributions and salary according to Swedish law. Frilans Finans has a collective agreement via UAF, while Worknode has a collective agreement with Svenska Medarbetare and offers full employer services, insurance and support.
How does the occupational pension differ between Frilans Finans and Worknode?
At Frilans Finans, occupational pensions are mandatory for self-employed workers aged 25 to 65, with 4.5% of gross salary as the standard contribution.
At Worknode, you choose whether you want an occupational pension and at what level. This gives you more freedom to adapt your pension savings to your current financial situation.
Is Worknode as easy to use as Freelance Finance?
Yes, they are. Both are based on the same basic principle: you sign up, post jobs, create invoices and get paid. The difference is that Worknode is built on a newer tech platform, with a focus on easy onboarding, clear flows and minimized administration. Most users can be up and running and creating their first invoice in minutes.
Can I use both Freelance Finance and Worknode?
Technically, you can have an account with both, but each assignment must be billed through a specific company. To get a clear overview of salary, pension and conditions, many people choose to consolidate their recurring assignments with one main player and use calculators to see where they get the most after fees and pension.