{"id":18316,"date":"2026-01-22T10:55:20","date_gmt":"2026-01-22T10:55:20","guid":{"rendered":"https:\/\/kassavirtanen.fi\/?p=18316"},"modified":"2026-01-22T11:00:17","modified_gmt":"2026-01-22T11:00:17","slug":"freelancerin-alkuvuoden-rahahuolto-alv-ennakkovero-yel-ja-kuittirutiini","status":"publish","type":"post","link":"https:\/\/kassavirtanen.fi\/ru\/freelancerin-alkuvuoden-rahahuolto-alv-ennakkovero-yel-ja-kuittirutiini\/","title":{"rendered":"Freelancerin alkuvuoden rahahuolto: ALV, ennakkovero, YEL ja kuittirutiini"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18316\" class=\"elementor elementor-18316\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0cb8f04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0cb8f04\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30739ba\" data-id=\"30739ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b548b37 elementor-widget elementor-widget-spacer\" data-id=\"b548b37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b842c5b elementor-widget elementor-widget-text-editor\" data-id=\"b842c5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2130\" data-end=\"2157\">1) ALV: muista 12. p\u00e4iv\u00e4<\/h2><ul data-start=\"2158\" data-end=\"2445\"><li data-start=\"2158\" data-end=\"2351\"><p data-start=\"2160\" data-end=\"2351\">Kuukausittain ilmoittavilla ALV <strong data-start=\"2192\" data-end=\"2246\">ilmoitetaan ja maksetaan kuun 12. p\u00e4iv\u00e4\u00e4n menness\u00e4<\/strong> (siirtyy seuraavaan arkip\u00e4iv\u00e4\u00e4n, jos osuu viikonloppuun\/pyh\u00e4\u00e4n).<\/p><\/li><li data-start=\"2352\" data-end=\"2445\"><p data-start=\"2354\" data-end=\"2445\">Tee 15 min rutiini: <strong data-start=\"2374\" data-end=\"2406\">laskut \u2192 ALV-kirjaus \u2192 maksu<\/strong>. Aseta kalenteriin toistuva muistutus.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17e08c4 elementor-widget elementor-widget-text-editor\" data-id=\"17e08c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2452\" data-end=\"2487\">2) Verokortti 2026 &amp; ennakkovero<\/h2><ul class=\"contains-task-list\" data-start=\"2488\" data-end=\"2913\"><li data-start=\"2488\" data-end=\"2616\"><p data-start=\"2490\" data-end=\"2616\"><strong data-start=\"2490\" data-end=\"2523\">Uudet verokortit voimaan 1.1.<\/strong> \u2013 p\u00e4ivit\u00e4 kortti, jos tulot muuttuvat vuoden aikana.<\/p><\/li><li data-start=\"2617\" data-end=\"2820\"><p data-start=\"2619\" data-end=\"2820\">Jos toimit toiminimell\u00e4 tai sinulla on muuta yritystuloa, p\u00e4ivit\u00e4 <strong data-start=\"2685\" data-end=\"2700\">ennakkovero<\/strong> OmaVerossa aina kun arvio muuttuu, jotta v\u00e4lt\u00e4t j\u00e4\u00e4nn\u00f6sverot. <br data-start=\"2800\" data-end=\"2803\" \/><strong data-start=\"2803\" data-end=\"2818\">Mini-check:<\/strong><\/p><\/li><li class=\"task-list-item\" data-start=\"2821\" data-end=\"2857\"><p data-start=\"2827\" data-end=\"2857\">Onko 2026 arvio realistinen?<\/p><\/li><li class=\"task-list-item\" data-start=\"2858\" data-end=\"2913\"><p data-start=\"2864\" data-end=\"2913\">Onko tammikuun\/helmikuun lis\u00e4laskutus huomioitu?<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efc0381 elementor-widget elementor-widget-text-editor\" data-id=\"efc0381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2920\" data-end=\"2965\">3) YEL: valitse maksurytmi (er\u00e4 20. p\u00e4iv\u00e4)<\/h2><ul data-start=\"2966\" data-end=\"3311\"><li data-start=\"2966\" data-end=\"3090\"><p data-start=\"2968\" data-end=\"3090\"><strong data-start=\"2968\" data-end=\"3022\">YEL-maksun er\u00e4p\u00e4iv\u00e4 on sovitun kuukauden 20. p\u00e4iv\u00e4<\/strong> (tai seuraava pankkip\u00e4iv\u00e4).<\/p><\/li><li data-start=\"3091\" data-end=\"3311\"><p data-start=\"3093\" data-end=\"3311\">Vuonna 2026 edullisin vaihtoehto on maksaa koko vuoden maksu 20.1., mutta voit my\u00f6s jakaa 2\u201312 er\u00e4\u00e4n (korkovaikutus). <br data-start=\"3248\" data-end=\"3251\" \/><strong data-start=\"3251\" data-end=\"3265\">Toimi nyt:<\/strong> tarkista YEL-ty\u00f6tulo ja valitse 2026 er\u00e4jako.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-656791f elementor-widget elementor-widget-text-editor\" data-id=\"656791f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3318\" data-end=\"3370\">4) Alennetun ALV-kannan muutos (jos koskee sinua)<\/h2><ul data-start=\"3371\" data-end=\"3574\"><li data-start=\"3371\" data-end=\"3574\"><p data-start=\"3373\" data-end=\"3574\">Jos myyt <strong data-start=\"3382\" data-end=\"3459\">ruokaa, ravintola-\/majoituspalveluja, l\u00e4\u00e4kkeit\u00e4 tai matkustajaliikennett\u00e4<\/strong>, alennettu ALV on <strong data-start=\"3478\" data-end=\"3504\">13,5 % 1.1.2026 alkaen<\/strong>. P\u00e4ivit\u00e4 hinnat ja laskupohjat.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-628e5c5 elementor-widget elementor-widget-text-editor\" data-id=\"628e5c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3581\" data-end=\"3618\">5) Kuittirutiini 2026: autopilotti<\/h2><ul data-start=\"3619\" data-end=\"3911\"><li data-start=\"3619\" data-end=\"3701\"><p data-start=\"3621\" data-end=\"3701\"><strong data-start=\"3621\" data-end=\"3632\">S\u00e4\u00e4nt\u00f6:<\/strong> jokainen kuitti heti pilveen (s\u00e4hk\u00f6postis\u00e4\u00e4nt\u00f6 <em data-start=\"3680\" data-end=\"3688\">Kuitit<\/em>-kansioon).<\/p><\/li><li data-start=\"3702\" data-end=\"3754\"><p data-start=\"3704\" data-end=\"3754\"><strong data-start=\"3704\" data-end=\"3714\">Nime\u00e4:<\/strong> <code data-start=\"3715\" data-end=\"3751\">YYYY-MM-DD_kulu_summa_kauppias.pdf<\/code>.<\/p><\/li><li data-start=\"3755\" data-end=\"3847\"><p data-start=\"3757\" data-end=\"3847\"><strong data-start=\"3757\" data-end=\"3784\">Viikkorutiini (15 min):<\/strong> kategoria \u2192 selite (asiakas\/projekti, osuus) \u2192 kirjanpitoon.<\/p><\/li><li data-start=\"3848\" data-end=\"3911\"><p data-start=\"3850\" data-end=\"3911\">Pid\u00e4 <strong data-start=\"3855\" data-end=\"3873\">puskuri 2\u20133 kk<\/strong> kuluiksi, jotta kassavirta tasoittuu.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c1c53e elementor-widget elementor-widget-text-editor\" data-id=\"0c1c53e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"3918\" data-end=\"3960\">6) Pikatarkistus Q1: laskutus &amp; perint\u00e4<\/h2><ul data-start=\"3961\" data-end=\"4185\"><li data-start=\"3961\" data-end=\"4023\"><p data-start=\"3963\" data-end=\"4023\"><strong data-start=\"3963\" data-end=\"3983\">Toistuvat laskut<\/strong> (yll\u00e4pitosopimukset) automaattisiksi.<\/p><\/li><li data-start=\"4024\" data-end=\"4109\"><p data-start=\"4026\" data-end=\"4109\">Maksuehto <strong data-start=\"4036\" data-end=\"4079\">14 vrk netto + viiv\u00e4styskorko + perint\u00e4<\/strong>; ennakkomaksu projekteihin.<\/p><\/li><li data-start=\"4110\" data-end=\"4185\"><p data-start=\"4112\" data-end=\"4185\">Lis\u00e4\u00e4 <strong data-start=\"4118\" data-end=\"4139\">maksumuistutukset<\/strong> ja selke\u00e4 <em data-start=\"4150\" data-end=\"4166\">change request<\/em> -polku lis\u00e4t\u00f6ille.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8fcf68 elementor-widget elementor-widget-text-editor\" data-id=\"d8fcf68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"4192\" data-end=\"4239\">7) 30 minuutin kuukausikatsaus (tammi\u2013helmi)<\/h2><ul class=\"contains-task-list\" data-start=\"4240\" data-end=\"4395\"><li class=\"task-list-item\" data-start=\"4240\" data-end=\"4269\"><p data-start=\"4246\" data-end=\"4269\">ALV hoidettu (12. p.)<\/p><\/li><li class=\"task-list-item\" data-start=\"4270\" data-end=\"4311\"><p data-start=\"4276\" data-end=\"4311\">Verokortti\/ennakkovero p\u00e4ivitetty<\/p><\/li><li class=\"task-list-item\" data-start=\"4312\" data-end=\"4345\"><p data-start=\"4318\" data-end=\"4345\">YEL-er\u00e4 maksettu (20. p.)<\/p><\/li><li class=\"task-list-item\" data-start=\"4346\" data-end=\"4374\"><p data-start=\"4352\" data-end=\"4374\">Kuittirutiini toimii<\/p><\/li><li class=\"task-list-item\" data-start=\"4375\" data-end=\"4395\"><p data-start=\"4381\" data-end=\"4395\">Puskuri kasvaa<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-992192a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"992192a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/account.kassavirtanen.fi\/dashboard\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kokeile laskutusta Kassavirtasessa!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-614fed3 elementor-widget elementor-widget-text-editor\" data-id=\"614fed3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"5011\" data-end=\"5028\">UKK\u00a0<\/h2><p data-start=\"4514\" data-end=\"4733\"><strong data-start=\"4514\" data-end=\"4556\">Milloin ALV pit\u00e4\u00e4 ilmoittaa ja maksaa?<\/strong><br data-start=\"4556\" data-end=\"4559\" \/>Kuukausi-ilmoittajilla <strong data-start=\"4582\" data-end=\"4602\">kuun 12. p\u00e4iv\u00e4\u00e4n<\/strong> toisen seuraavan kuukauden aikana (siirtyy seuraavaan arkip\u00e4iv\u00e4\u00e4n, jos 12. on vapaap\u00e4iv\u00e4).<\/p><p data-start=\"4735\" data-end=\"4881\"><strong data-start=\"4735\" data-end=\"4781\">Voinko vaihtaa ennakkoveroa kesken vuoden?<\/strong><br data-start=\"4781\" data-end=\"4784\" \/>Kyll\u00e4. Tee muutos OmaVerossa aina, kun tuloarvio muuttuu.<\/p><p data-start=\"4883\" data-end=\"5017\"><strong data-start=\"4883\" data-end=\"4915\">Mik\u00e4 on YEL-maksun er\u00e4p\u00e4iv\u00e4?<\/strong><br data-start=\"4915\" data-end=\"4918\" \/><strong data-start=\"4918\" data-end=\"4931\">20. p\u00e4iv\u00e4<\/strong> sovittuna kuukautena; er\u00e4jako 1\u201312 krt\/vuosi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b62b0d elementor-widget elementor-widget-html\" data-id=\"8b62b0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"FAQPage\",\n  \"mainEntity\":[\n    {\n      \"@type\":\"Question\",\n      \"name\":\"Mit\u00e4 teen, jos kuitti puuttuu?\",\n      \"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pyyd\u00e4 myyj\u00e4lt\u00e4 duplikaatti tai k\u00e4yt\u00e4 maksutositetta ja tiliselvityst\u00e4 perusteluna. Kirjaa selite ja s\u00e4ilyt\u00e4 dokumentaatio.\"}\n    },\n    {\n      \"@type\":\"Question\",\n      \"name\":\"Voinko v\u00e4hent\u00e4\u00e4 kotitoimiston kuluja?\",\n      \"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mahdollisesti, jos t\u00e4yt\u00e4t kriteerit. Tarkista ajantasaiset ohjeet ja suhteuta v\u00e4hennys ty\u00f6osuuteen.\"}\n    },\n    {\n      \"@type\":\"Question\",\n      \"name\":\"Miten pid\u00e4n ALV-asiat kunnossa?\",\n      \"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Luo viikkorutiini laskutukselle, ALV-kirjauksille ja kuittien talteenotolle. Aseta automaattiset muistutukset maksup\u00e4iville.\"}\n    }\n  ]\n}\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>1) ALV: muista 12. p\u00e4iv\u00e4 Kuukausittain ilmoittavilla ALV ilmoitetaan ja maksetaan kuun 12. p\u00e4iv\u00e4\u00e4n menness\u00e4 (siirtyy seuraavaan arkip\u00e4iv\u00e4\u00e4n, jos osuu viikonloppuun\/pyh\u00e4\u00e4n). Tee 15 min rutiini: laskut \u2192 ALV-kirjaus \u2192 maksu. Aseta kalenteriin toistuva muistutus. 2) Verokortti 2026 &amp; ennakkovero Uudet verokortit voimaan 1.1. \u2013 p\u00e4ivit\u00e4 kortti, jos tulot muuttuvat vuoden &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/kassavirtanen.fi\/ru\/freelancerin-alkuvuoden-rahahuolto-alv-ennakkovero-yel-ja-kuittirutiini\/\"> <span class=\"screen-reader-text\">Freelancerin alkuvuoden rahahuolto: ALV, ennakkovero, YEL ja kuittirutiini<\/span> \u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0435\u0435 &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":18317,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[49],"tags":[],"class_list":["post-18316","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kevytyrittajyys"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Freelancerin alkuvuoden rahahuolto: ALV, ennakkovero, YEL ja kuittirutiini -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kassavirtanen.fi\/ru\/freelancerin-alkuvuoden-rahahuolto-alv-ennakkovero-yel-ja-kuittirutiini\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Freelancerin alkuvuoden rahahuolto: ALV, ennakkovero, YEL ja kuittirutiini -\" \/>\n<meta property=\"og:description\" content=\"1) ALV: muista 12. p\u00e4iv\u00e4 Kuukausittain ilmoittavilla ALV ilmoitetaan ja maksetaan kuun 12. p\u00e4iv\u00e4\u00e4n menness\u00e4 (siirtyy seuraavaan arkip\u00e4iv\u00e4\u00e4n, jos osuu viikonloppuun\/pyh\u00e4\u00e4n). Tee 15 min rutiini: laskut \u2192 ALV-kirjaus \u2192 maksu. Aseta kalenteriin toistuva muistutus. 2) Verokortti 2026 &amp; ennakkovero Uudet verokortit voimaan 1.1. \u2013 p\u00e4ivit\u00e4 kortti, jos tulot muuttuvat vuoden &hellip; Freelancerin alkuvuoden rahahuolto: ALV, ennakkovero, YEL ja kuittirutiini \u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0435\u0435 &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kassavirtanen.fi\/ru\/freelancerin-alkuvuoden-rahahuolto-alv-ennakkovero-yel-ja-kuittirutiini\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-22T10:55:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-22T11:00:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kassavirtanen.fi\/wp-content\/uploads\/2026\/01\/AdobeStock_359422840-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" 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