Household expense deduction 2026: how work invoiced through Bisse.fi can qualify

Table of Contents

1. Short answer
2. Household expense deduction in 2026
3. What kind of work can qualify
4. How Bisse.fi invoicing fits the deduction
5. How to prepare the invoice in Bisse
6. How the customer claims the deduction in MyTax
7. Examples of the deduction
8. When the deduction is not available
9. Frequently asked questions
10. Summary for entrepreneurs and light entrepreneurs

1. Short answer

Yes. Your customer can usually claim the Finnish household expense deduction, or kotitalousvähennys, for work invoiced through Bisse.fi if the normal conditions set by the Finnish Tax Administration are met.

The key points are:

• the work itself must be eligible for the household expense deduction
• the work must be carried out in the customer’s home, holiday home, or certain close relatives’ homes
• the invoice must clearly separate the labour from materials, travel costs, and other non-deductible items
• the invoicing company must be in the Prepayment Register when the contract is made
• the customer claims the deduction in MyTax, unless the company reports the details to the Tax Administration on the customer’s behalf

When you invoice through Bisse.fi, the customer receives an invoice from a company. To claim the deduction, the customer uses the company details shown on the invoice, such as the Business ID, and reports the VAT-inclusive labour share in MyTax.

The invoice being sent through Bisse.fi does not by itself make the work deductible. What matters is what work was done, where it was done, and how the invoice is itemised.

2. Household expense deduction in 2026

The household expense deduction is a personal tax deduction. A private individual can receive it when they pay for eligible work performed in their own home, holiday home, or for example in the home of their or their spouse’s parents.

According to the Finnish Tax Administration, the deduction and the deductible threshold are the same in 2025 and 2026. When the work is bought from a company, the basic 2026 rules are:

• The customer can deduct 35% of the VAT-inclusive labour share.
• The maximum deduction is 1,600 euros per person per year.
• The deductible threshold is 150 euros per person per year.
• The deduction belongs to the payment year, meaning the year in which the customer pays the invoice.
• Only the labour share qualifies. Materials, supplies, travel costs, and other costs do not.

There is a separate, more generous rule for replacing oil heating. This article focuses on ordinary services bought for the home, such as cleaning, renovation work, yard work, childcare, and other common household work.

3. What kind of work can qualify

Work that may qualify includes:

• home cleaning
• yard and garden work
• childcare
• assistance for an elderly, ill, or disabled person at home
• home maintenance and renovation work, such as painting, wallpapering, floor repairs, bathroom renovation, or kitchen cabinet installation
• certain installation work related to home information and communication technology

The deduction is intended for work carried out in a home or holiday home. If the work is done elsewhere, it usually falls outside the household expense deduction.

For example, a cleaning service in a private home invoiced through Bisse.fi may be deductible if the other conditions are met. The same can apply to renovation work done in the customer’s home or to yard work at the customer’s property.

By contrast, work done at a company’s office, maintaining an online store, or work connected to the customer’s business is not deductible just because the customer is a private individual.

If you are unsure whether the work qualifies, check the Finnish Tax Administration’s guidance before promising the customer that they can claim the deduction.

4. How Bisse.fi invoicing fits the deduction

Work invoiced through Bisse.fi can fit the household expense deduction when your customer buys eligible work for their home or holiday home.

In practice, the process is:

1. You agree with the customer on eligible work, such as home cleaning or renovation work.
2. You perform the work in the customer’s home, holiday home, or another location accepted under the household expense deduction rules.
3. You create the invoice in Bisse.fi and put the labour share on its own invoice line.
4. The customer pays the invoice.
5. The customer claims the household expense deduction in MyTax using the invoice and payment details.

The customer does not deduct the whole invoice. They deduct only the VAT-inclusive labour share. If the invoice includes materials, supplies, equipment rental, travel costs, or other items, those must be separated from the labour.

This itemisation matters for both the customer and the person doing the work. A clear invoice makes it easier for the customer to claim the deduction correctly and avoids the need for a separate explanation later.

5. How to prepare the invoice in Bisse

When the work may entitle your customer to the household expense deduction, make the Bisse invoice as clear as possible.

Good practice is to:

1. Add the labour share as its own invoice line.
2. Describe the work concretely, for example “Home cleaning at the customer’s apartment”, “Bathroom painting work”, or “Raking and garden work at the customer’s home”.
3. Enter the amount of work, price, and VAT correctly.
4. Add supplies, materials, travel costs, and other costs on separate lines.
5. Make sure the customer can see the company name, Business ID, invoice total, labour share, and payment date.

Example of a clear invoice breakdown:

If the whole invoice consists only of eligible labour, the breakdown is simple. If the invoice includes both labour and other costs, do not combine everything into one line. The customer’s deduction is based on the labour share.

6. How the customer claims the deduction in MyTax

The customer usually claims the household expense deduction themselves in MyTax, unless the company has separately reported the details to the Tax Administration on the customer’s behalf. The Tax Administration notes that many companies still do not report these details for customers, so the customer should always check MyTax.

When reporting work bought from a company, the customer usually needs:

• the company’s Business ID
• the contract or order date
• the invoice total including VAT
• the VAT-inclusive labour share of the invoice
• the first payment date and, if there were several invoices to the same company during the year, the last payment date
• the customer’s own share of the cost if a spouse or another person shares the expense

The customer should not deduct the 150-euro threshold themselves. The Tax Administration calculates the deduction and applies the threshold.

The invoice payment date determines the tax year. If the work is performed in December 2026 but the invoice is paid in January 2027, the deduction is reported for tax year 2027.

7. Examples of the deduction

Example 1: home cleaning through Bisse.fi

The customer buys home cleaning and pays an invoice where the VAT-inclusive labour share is 600 euros. The invoice does not include any other deductible items.

Preliminary household expense deduction:

600 euros x 35% = 210 euros

After the 150-euro threshold, the customer receives a 60-euro household expense deduction, assuming they have no other household expense deductions for the same year.

Example 2: renovation work and materials

The customer has a small renovation done in their home. The total invoice is 2,400 euros, consisting of:

• labour share 1,800 euros incl. VAT
• materials 600 euros incl. VAT

The customer may report 1,800 euros as the labour share in MyTax, not the full 2,400-euro invoice.

Preliminary household expense deduction:

1,800 euros x 35% = 630 euros

If the customer has no other household expense deductions for the same year, the Tax Administration subtracts the 150-euro threshold. The final deduction is 480 euros.

Example 3: renovation shared by spouses

Spouses pay a renovation invoice together. The labour share is 6,000 euros. The deduction is calculated from the labour share:

6,000 euros x 35% = 2,100 euros

The maximum deduction for one person is 1,600 euros per year. If the spouses share the cost, the deduction can be used in both spouses’ taxation. In practice, the details should be entered carefully in MyTax so that the labour share and cost split are correct.

8. When the deduction is not available

The household expense deduction is not available automatically for every invoice related to a home.

Common situations where the deduction is not available include:

• the work is not eligible household, care, nursing, maintenance, or renovation work under Tax Administration guidance
• the work is done somewhere other than the customer’s home, holiday home, or an accepted close relative’s home
• the work is new construction or comparable to new construction
• the invoice concerns supplies, equipment, materials, travel costs, or travel time
• the company is not in the Prepayment Register when the contract is made
• the customer receives public support or a service voucher for the same work in a way that prevents the deduction
• the customer tries to deduct their own work, their spouse’s work, or work done by their underage child

If the work is done in a housing company, a rental apartment, assisted living, or a close relative’s home, the conditions should be checked separately. In these cases, the decisive questions are often who pays for the work, where the work is performed, and whether the work relates to a home used by the customer.

9. Frequently asked questions

Can my customer get the household expense deduction if I invoice through Bisse.fi?

Yes, if the work itself qualifies and the other conditions are met. Bisse.fi invoicing does not prevent the deduction, but it also does not turn non-qualifying work into qualifying work.

What information does my customer need from the invoice?

The customer needs at least the company’s Business ID, the invoice total, the VAT-inclusive labour share, and the payment date. The contract or order date is also important because the Prepayment Register entry must be valid when the contract is made.

Does Bisse.fi need to be in the Prepayment Register?

When a customer buys work from a company, the Finnish Tax Administration’s guidance requires the company to be in the Prepayment Register when the contract is made. The customer can check the registration in the YTJ company search using the company name or Business ID.

Can the customer deduct materials?

No. The household expense deduction applies to the labour share. Materials, supplies, equipment, travel costs, and similar items are not deductible labour.

Can a light entrepreneur mention the household expense deduction in marketing?

Yes, but phrase it conditionally. A good wording is: “The work may qualify for the household expense deduction under the Finnish Tax Administration’s rules.” Do not promise a guaranteed deduction unless the work and the customer’s situation have been checked.

Can an entrepreneur claim the deduction for their own work?

No. You cannot claim the household expense deduction for your own work. However, an entrepreneur can claim the deduction if they personally buy eligible work for their own home from another company and pay for it as a private individual.

10. Summary for entrepreneurs and light entrepreneurs

The household expense deduction can be a useful sales argument if you work in private homes or holiday homes. In 2026, for ordinary eligible work bought from a company, the customer can deduct 35% of the VAT-inclusive labour share, up to 1,600 euros per person per year. The deductible threshold is 150 euros.

For Bisse.fi users, the most important practical point is invoice itemisation. Put the labour share on its own line and keep materials, travel costs, and other costs separate. That gives the customer the information they need to claim the household expense deduction.

If your work can qualify, mention the possibility already in the offer. Use precise wording: the deduction always depends on the Finnish Tax Administration’s rules and the customer’s own tax situation.

Sign up at Bisse.fi and invoice household work clearly. You can create separate invoice lines for labour and other costs, so your customer receives the details needed for the household expense deduction.

Read also VAT guide, Light entrepreneur taxation, and Invoice without a company.

Sources and further reading: Finnish Tax Administration: Household expense deduction, amount and deductible threshold, eligible work, conditions, how to report the deduction, and YTJ company search. This article is general information, not personal tax or legal advice. Updated 12 June 2026.