This means we remove the administrative fee for the first invoice so you can try our service without any extra cost. The administrative fee is simply deducted before the net salary is transferred directly to your bank account.

Our service is designed to make the whole process as smooth and transparent as possible. We handle everything from paying employer contributions and taxes to ensuring the correct amount reaches your account on time. You can trust that your salary payout is managed correctly and efficiently, freeing up time and resources for you to develop your business.

With Paidin, you get a modern, reliable and cost‑effective solution for your payroll administration needs. Our user‑friendly platform, combined with professional customer support, ensures you quickly gain full control over your finances — without unexpected fees or complicated processes.

Take the opportunity to experience the benefits of a fully transparent and efficient solution today. Welcome to try Paidin and discover how we can simplify your invoice management with a smart introductory offer!

• Company name: Paidin Finans AB
• Address: Kivra 559044-7016, 10631 Stockholm
• Phone: +46 8 557 698 72
• Email: support@paidin.se
• Org. no.: 559044-7016
• VAT no.: SE559044701601
• Bankgiro: 5076-0230
• IBAN: SE3350000000052111020419
• SEB BIC code: ESSESESS
• Postal address: 106 40 Stockholm

If you need additional information or specific documents, please contact our support via email or phone.

Common to all deductions is that they must reach Paidin in PDF format before salary payout (send to support@paidin.se). Documents that reach us after salary payout cannot be handled retroactively or transferred to another invoice.

Expenses

Expenses must be directly linked to the work performed and invoiced. Receipts must substantiate this and the date must fall within the invoice period. The entire expense must also be consumed during the work. Costs for computers, cars, mobile phones and similar are not approved. Supplier invoices must be addressed to Paidin Finans AB and paid by the employee before being submitted for deduction.

Travel costs

Business travel must be substantiated by a travel expense report. Travel from home to the customer is not approved and must be reported in your personal tax return. Only travel within the scope of the assignment is deductible. A mileage log is required for travel by private car and is reimbursed at 25.00 SEK per mil (9.5 SEK per mil for travel by a car powered entirely by electricity).

Per diem

Per diem is payable for business trips longer than 50 km from the residence and is intended to cover increased living costs. Compensation is according to the Swedish Tax Agency’s standard amounts.

Other

Deductions lower employer contributions and tax by the amount including VAT, which increases net salary. For full reimbursement, the cost should be invoiced to the customer. VAT must be clearly stated on the receipt.

We reserve the right to reject deductions that conflict with our or the Swedish Tax Agency’s rules.

From employee to umbrella worker — an example
If you previously had a monthly gross salary of SEK 30,000, you can convert this to an hourly rate by dividing by 167 (average working hours/month), which gives about SEK 180/hour. You must, however, account for additional costs.

What should you add to your pricing?

• Vacation pay: At least 12% of your salary.
• Occupational pension: Usually about 4.5% of salary.
• Other benefits: Gym membership, phone, laptop, etc.
• Uncertainty and inflation: No guaranteed income, administration and future price adjustments.

Conclusion: How much should you invoice?
To match a monthly gross salary of SEK 30,000, you can multiply the gross salary by 1.64, which gives about SEK 49,200 to invoice per month. Divided by 167 hours this is about SEK 295/hour.

Tips for setting the right price:

• Account for tax, employer contributions, pension and vacation.
• Research what others in your field charge.
• Adjust your price for inflation and rising costs.
• Consider whether a fixed price or hourly rate suits the assignment best.

By considering these factors, you can ensure you receive appropriate compensation for your work as an umbrella worker.

We’re happy to announce that, in collaboration with SPP, we now offer all our “employees” the opportunity to allocate part of their salary to an occupational pension. This is an important benefit we strongly recommend for anyone working through umbrella employment.

How it works:

Log in and go to Account Overview.
Select the Settings tab.
Click on Occupational Pension and enter the percentage you wish to allocate.

The percentage you select will automatically govern future allocations at each salary payout. You can change the percentage at any time, but please note that previously made allocations are locked and cannot be modified. By default, pension allocation is turned off.

Please note that a payroll tax of 24.26% is added to pension allocations.

What happens next?

Once you’ve made your first allocation, SPP will contact you and provide a personal login to your account. There, you can view and manage all allocations made.

The agreement is called “Fördel Freemium” and provides a secure foundation for your future.

In larger companies, invoicing is often linked to a project or a PO number (Purchase Order). In such cases, the project number/PO number should be entered as your reference. You receive this number from the invoice recipient. If no such number has been provided, use the name of the person with whom you agreed the assignment. For smaller companies or private individuals, it is usually the name of the person who ordered the work that should be entered as your reference. Our reference is automatically filled in with your name. This allows the invoice recipient to see who performed the work, since the invoice is issued in our name (Paidin Finans AB).

• 25% VAT: Multiply by 1.25. Example: SEK 10,000 * 1.25 = SEK 12,500 incl. VAT.
• VAT amount: The difference (12,500 – 10,000 = 2,500) or directly: 10,000 * 0.25 = 2,500.
• 12% VAT: Multiply by 1.12 or use 0.12 for the VAT amount.
• 6% VAT: Multiply by 1.06 or use 0.06 for the VAT amount.

When you have a price including VAT — “reverse VAT”:

• 25% VAT: VAT amount is 20% of total price (0.20). Price excl. VAT: total * 0.80.
• 12% VAT: VAT amount approx. 10.71% (0.1071). Price excl. VAT: total * 0.89.
• 6% VAT: VAT amount approx. 5.66% (0.0566). Price excl. VAT: total * 0.94.

Example (25% VAT):

• Total amount: SEK 10,000
• VAT amount: 10,000 * 0.20 = SEK 2,000
• Price excl. VAT: 10,000 – 2,000 = SEK 8,000 (or 10,000 * 0.80)

Summary:

• Excl. VAT → incl. VAT: multiply by the VAT factor (e.g., 1.25 at 25%).
• Incl. VAT → excl. VAT: use reverse VAT (e.g., 0.80 at 25%).
• VAT amount: total * VAT rate (e.g., 0.25) or reverse VAT (e.g., 0.20).

ROT applies to repairs, maintenance, reconstruction and extensions of homes.
RUT applies to household services such as cleaning, gardening and moving assistance.

The deduction applies to labour cost only. Costs for materials, travel and equipment can be invoiced separately but are not covered by the deduction.

When you choose for the invoice to be covered by ROT or RUT, Paidin handles the entire process with the Swedish Tax Agency.

We apply for the deduction and ensure you receive your salary when both the customer and the Swedish Tax Agency have paid their respective parts. Important! For us to apply for the deduction, you need to enter the customer’s personal identity number and the property’s designation on the customer card in your Paidin account.

For the customer to be eligible for the deduction, they must:

• Be tax resident in Sweden during the tax year.
• Be at least 18 years old by year-end.
• Have sufficient tax to reduce.

How much deduction can the customer get?

• ROT: Up to SEK 50,000 per year and person.
• RUT: Up to SEK 25,000 per year (SEK 50,000 for persons over 65).

The deduction depends on the customer’s final tax after other deductions. If the customer is unsure about their remaining ROT or RUT amount, they can obtain a certificate from the Swedish Tax Agency. If the deduction does not cover the entire labour cost, the remaining part is invoiced to the customer. Your salary is therefore not affected.

Note! ROT and RUT cannot be used if you perform work for a close relative, such as a parent, child or partner.

Many choose umbrella employment to take on assignments easily and improve their financial situation without having to handle bookkeeping and taxes themselves. An umbrella company, which holds F-tax status, manages invoicing for you and charges a service fee. The company reports and pays employer contributions and withholds tax before the remaining amount is paid to you as salary. This means you avoid administrative work and can focus on your assignments. As your umbrella company, Paidin manages the entire process for you. We invoice your client, report employer contributions and tax, and pay out your salary. When it’s time to file your tax return, your income is already pre-filled in your personal return. If you want to monitor your tax withholdings and gross salary, simply log in to the Swedish Tax Agency’s website for an overview.