FAQ
About GigBooks
Is GigBooks for me?
If you’re a Finnish toiminimi (sole trader) doing platform delivery, rideshare, hairdressing, tutoring, or consulting, yes. If you run an osakeyhtiö (limited company), have inventory, or have international VAT, GigBooks isn’t the right tool today. See welcome for the in-scope list.
Does GigBooks connect to Wolt, Bolt, or Uber?
No. Platform tags in GigBooks are labels, not API integrations. You log shifts manually (or import payouts via your bank statement). See streams for what platform tags actually do.
Does GigBooks file my VAT return for me?
No. You file in OmaVero. GigBooks calculates the figures for each period and lets you mark the period as filed once you’ve submitted in OmaVero. See VAT.
Does GigBooks file my annual tax return?
No. GigBooks prepares a draft with the relevant figures for the business section of your personal tax return. You file it in OmaVero.
Does GigBooks have a live bank connection (PSD2)?
Not yet. You upload PDF statements from your bank. Today supported: Nordea and OP. Other banks are coming. See bank import.
Onboarding and setup
What does GigBooks ask in onboarding?
Four short questions: country (FI), tracking start date, VAT registered (yes/no, plus reporting period if yes), and whether this is your first year as an entrepreneur. That’s it for setup — the rest is in the dashboard’s setup checklist.
Do I need a Y-tunnus to sign up?
No. You can sign up, finish onboarding, and explore without a Y-tunnus. You’ll need it when you generate invoices or your annual tax-return draft.
I started using GigBooks mid-year. How do I bring in my year-to-date numbers?
Through the YTD entered step in the setup checklist: enter your year-to-date revenue, expenses, and starting bank balance. See starting mid-year for the full walkthrough.
Can I change the country or tracking start date later?
Yes — both are in Settings → Business. Changing the tracking start date can affect your year-to-date totals; talk to a kirjanpitäjä before you do it after you’ve already booked entries.
VAT
What’s the €20,000 line?
If your annual turnover is at most €20,000, you can run a toiminimi without VAT registration. If you cross the line during a calendar year, VAT liability starts from the sale that crosses it, not retroactively. GigBooks tracks the line in real time so you can plan the registration calmly. See VAT.
Should I register for VAT voluntarily?
Sometimes — if your customers are VAT-registered businesses, voluntary registration lets you deduct VAT on your business expenses without raising your effective price. For platform delivery and rideshare, where the platform pays you and your customers are private individuals, voluntary registration usually doesn’t help. Talk to a kirjanpitäjä if you’re unsure.
What VAT period should I pick?
For most beginning sole traders: annual. One filing in February. Quarterly or monthly become required (or sensible) above certain turnover thresholds.
Does GigBooks know which VAT rate to use?
For incoming receipts, GigBooks reads the VAT rate from the receipt’s text (24% for fuel and most expenses, 14% for food, 25.5% for some specific items, etc.). For outgoing invoices, it uses the stream’s default rate (24% for most service work) and you can override per invoice.
YEL
Do I have to take YEL?
If you’ve worked as an entrepreneur continuously for at least four months and your projected työtulo is at or above the YEL floor (€9,423.09 a year in 2026), then yes. See YEL for the details.
Where do I buy YEL?
From a Finnish pension insurance company — Varma, Ilmarinen, Elo, or Veritas. GigBooks doesn’t sell YEL.
What income should I declare for YEL?
Roughly, what an employee doing similar work would earn. For a full-time courier, often €18,000–€30,000. For a part-time tutor, much less. Use the calculator in Tax → Social insurance to see what each level costs you per month. Final declaration is set with your provider.
Is YEL deductible?
Yes. Your YEL contributions are a deductible expense on your personal tax return, and GigBooks’s annual tax-return draft picks them up automatically — provided you’ve configured the YEL setup step.
Advance tax
Where does the estimate come from?
OmaVero, your accountant, or your own estimate. You enter whichever you have in Tax → Advance tax. See advance tax.
What if my year goes differently from the estimate?
Update OmaVero with a new estimate, then mirror the change in GigBooks. The new schedule replaces the old one for remaining instalments. Big mismatches are best caught mid-year — back-tax bills (jäännösvero) the following spring carry small interest charges.
How do I pay an instalment?
From your bank app to Vero’s reference number. The bank statement import auto-matches outgoing transfers to the next pending instalment.
Books and bookkeeping
Why can’t I edit a confirmed entry?
The Finnish Bookkeeping Act requires that confirmed entries be immutable — you correct them by adding a reversal entry and a new correct entry, both visible in the audit trail. GigBooks does this for you when you tap Correct on a confirmed entry. See bookkeeping basics.
How long do I have to keep my records?
Receipts, statements, and the journal: 6 years from the end of the financial year. GigBooks stores everything for the duration of your subscription and lets you export a year’s worth of records when you need to.
Can I export my books?
Yes — there’s an Export action in the app that produces a per-year archive with the journal, the supporting receipts, and the period summaries. Useful for handing the year over to an accountant or for archive on your own storage.
What entry types does GigBooks use?
operating_income, operating_expense, owner_withdrawal, owner_investment, asset_purchase, opening_balance. Most entries are operating income (a shift, a session, an invoice payment) or operating expense (a fuel stop, a phone bill, a subscription you pay). See bookkeeping basics.
Bank import
Which Finnish banks does GigBooks support?
PDF parsers exist for Nordea and OP. Danske Bank, S-Pankki, Aktia, and Handelsbanken are visible in the picker but disabled — they’re on the roadmap.
Can I import the same statement twice?
Yes. GigBooks de-duplicates by transaction reference, so re-importing is safe.
A bank row was misclassified. What do I do?
Open the row, change the category (or partner, or VAT rate), and confirm. The change rebuilds the underlying bookkeeping entry. If the row was already linked to a confirmed entry, GigBooks creates a correction entry instead of mutating the original.
A row in the bank statement isn’t business — what do I do?
Open the row and Exclude it. It stays in the bank record (so the audit trail is complete) but never affects your books, P&L, or VAT.
Chat and the assistant
What can I ask the assistant?
Most everyday questions about your books and Finnish toiminimi rules — VAT line position, deduction rules, what an instalment will cost, whether something is deductible. Answers are grounded in your actual ledger, not generic web text. See chat.
Can the assistant make changes to my books?
It can offer to draft an entry from a receipt or a question, and you confirm. It won’t silently change confirmed entries or your business setup.
How private is the chat?
Your conversation and attachments live in your account and are visible only to you. Receipt photos and statement PDFs are stored as private files with short-lived signed URLs. See the Privacy policy.
Pricing
How much does GigBooks cost?
GigBooks starts with 30 days of full Pro, no card. Nothing is charged until you choose a subscription through the App Store or Google Play. See pricing for the current plans and trial terms.
What happens when my trial expires?
After the 30 days of Pro, your account falls to the Free plan, which keeps the books: manual entries, the VAT threshold meter and deadlines. Receipt reading, chat, bank sync and exports are Pro. Your existing books and attachments stay put, and Pro is back the moment you subscribe.
Still stuck?
- Re-read the welcome and quick start.
- Check the tax docs for VAT, YEL, and advance tax.
- For a complicated year, talk to a kirjanpitäjä. GigBooks works alongside an accountant — many users do their day-to-day in GigBooks and let an accountant review at year-end.