Articles on invoicing without a company

Guides, comparisons and worked examples for anyone invoicing through umbrella employment.

Freelance Life

What should you charge as a freelancer? This is how you calculate your hourly rate

Start from the salary you want, add social security contributions, other fees and non-billable time – and test the price in the calculator before you submit a quote.

25 Aug 20267 min read

Tax and Deductions

ROT and RUT invoice without your own company – this is how you do it

You don't need an F-tax certificate or your own company to offer ROT and RUT. This is how the deduction, invoice, and payment from the Swedish Tax Agency (Skatteverket) work.

25 Aug 20266 min read

Tax and Deductions

Tax and social security contributions as an umbrella employee – how much you get from your invoice

From invoice amount to money in your account: this is how fees, employer contributions of 31.42 percent, and preliminary tax are deducted when you invoice without a company.

25 Aug 20266 min read

Invoicing

Umbrella employee or your own company? How to choose correctly

Compare umbrella employment with a sole proprietorship and a limited company: tax, administration, costs and security – and when each option pays off.

25 Aug 20267 min read

Invoicing

Invoice without your own company: how it works in 2026

You can send an invoice without starting a company – through umbrella employment. This article describes how it works, what it costs, what you get paid, and when it actually pays off.

12 Aug 20268 min read