Vuokrakulut

What Vuokrakulut does

Vuokrakulut is a Finnish SaaS product operated by Rentcal Oy (Business ID 3118447-1), founded in 2020 and headquartered in Helsinki. The company builds the Rentfolio mobile application (iOS and Android) and a complementary web browser version (rentfol.io), targeted at private landlords, vacation property owners, and short-term rental hosts who need to track rental income, document deductible expenses, and file annual tax declarations. Its core functional differentiator is a direct API integration with OmaVero (the Finnish Tax Administration's taxpayer portal), making it the first application in Finland to enable one-tap submission of rental income and expense data to the tax authority from a consumer mobile app. The product is multi-property aware, supports joint ownership percentages, photographs and stores receipts, calculates mileage compensation, and produces audit-ready reports with links to source documentation; a separate loan calculator (Lainalaskuri) is offered as an add-on.

Revenue is generated through a low-price recurring subscription (€29.90/year or €4.99/month), with a one-month free trial, a 20% discount for members of Suomen Vuokranantajat (the Finnish Landlords Association), and an optional monthly billing cadence. Go-to-market is product-led growth supplemented by an organic social and content-marketing presence (Instagram, Facebook, X, LinkedIn, blog), weekly Thursday training webinars, and a sports-club referral program where clubs earn commissions on referred sign-ups. Distribution is digital-first via the App Store, Google Play, and the rentfol.io web app, with no disclosed direct sales force. The registered user base stood at approximately 4,000 as of April 2025, against a Finnish TAM of roughly 400,000 private landlords and 500,000 vacation property owners. The company remains founder-led (CEO Antti Mäkikyrö), privately held, has raised no external institutional capital, and operates with a 1–10 person team; in 2025 it expanded into Spain with a localized calculator version, the company's first non-Finnish market.

Name

Vuokrakulut

Legal name

Rentcal Oy

Website

https://vuokrakulut.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Vuokrakulut (Rentcal Oy) builds the Rentfolio mobile and web app that lets Finnish private landlords and short-term rental hosts track income, photograph receipts, and file rental tax declarations directly to OmaVero via a first-in-market API integration, on a low-price annual subscription.

Ownership category

akta.pro rank

Product category

Real Estate Tax & Rental Management Software

akta.pro primary industry

Residential Lease Administration & Tenant Services (BPAJAFAL)

akta.pro secondary industries

Vacation Rental Compliance, Licensing & Tax Administration (BPAJAIAN), Vacation & Short-Term Rental Management (BPAJAFAI)

Keywords

• Rental property management
• Landlord expense tracking
• Rental tax software
• Receipt documentation app
• Property tax compliance

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D

Revenue model

1. Subscription (Annual/Monthly): Primary revenue stream from subscription fees. Annual subscription at 29.90€/year or monthly at 4.99€/month. The subscription fee is tax-deductible as a rental expense. One month free trial with cancellation option.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Vuokrakulut (branded as Rentfolio) operates a subscription-based mobile and web application that enables private landlords to track rental income and expenses, photograph and categorize receipts, calculate mileage deductions, manage multiple properties with shared ownership, and submit tax declaration data directly to the Finnish Tax Administration's OmaVero portal via a first-of-its-kind API integration. The product is targeted at individual landlords, vacation property owners, and short-term rental hosts in Finland, with a localized version for Spain.

Product overview

Vuokrakulut operates as a unified platform built around the Rentfolio mobile application, which serves as the core product for rental property financial management and tax compliance. The ecosystem includes the Rentfolio mobile app (iOS and Android), a web browser version (Rentfolio web), and a loan calculator tool. The primary value proposition is enabling private landlords to track rental income and expenses, photograph receipts, and file tax returns directly to the Finnish Tax Administration's OmaVero portal via a direct API integration—the first such interface in Finland. The platform also supports Spanish market with a dedicated calculator version.

Differentiator

Problem solved

Functional benefit

Brands

• Rentcal: Parent company name for the Rentfolio/Vuokrakulut application services

Products and services

• Rentfolio Mobile Application Subscription-based mobile application for individual private landlords, vacation property owners, and short-term rental hosts in Finland to track rental income and expenses, photograph and store receipts, calculate mileage deductions, manage multiple properties with shared ownership, and submit tax declaration data directly to the Finnish Tax Administration's OmaVero portal.
• Rentfolio Web Browser Version Desktop web browser version of the Rentfolio application accessible at rentfol.io, providing the same income, expense, receipt, and tax reporting functionality as the mobile app with a single shared login.
• Lainalaskuri (Loan Calculator)

Quantifiable outcome

• Direct OmaVero submission available from January 2024, first app to offer this feature
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Northern Sports Insight and Intelligence (NorSpo)minorStrategic or Co-development Partner · 7 February 2022Finnish sports technology company developing head impact measurement devices. Rentfolio sponsors ACT Head Impact Tracker devices for women's sports teams (Kärpät Naiset and Oulu Nice Soccer). Partnership is part of corporate social responsibility and wellness initiatives.
• Oulun Kärpät Naiset (Kärpät Women)minorGTM or Marketing Partner · 7 February 2022Women's ice hockey team in Naisten Liiga. Rentfolio sponsors head impact tracking devices as part of athlete wellness initiative. Partnership provides brand visibility in sports community.
• Oulu Nice Soccer (ONS)minorGTM or Marketing Partner · 7 February 2022Women's football (soccer) club competing in national league. Rentfolio sponsors head impact tracking devices as part of athlete wellness initiative. Partnership provides brand visibility in sports community.
• Suomen Vuokranantajat (Finnish Landlords Association)coreStrategic or Co-development PartnerOfficial partnership with Finland's largest private landlord organization with 30,000+ members. Rentfolio is a member company. Members receive 20% discount on subscription. Association provides promotional support and co-marketing. Source: Suomen Vuokranantajat website describing 25 years of operation and 30,000+ members.
• MinimapperminorGTM or Marketing PartnerIntegration partner offering free credits to Rentfolio users. Users receive 20 free Minimapper credits to add floor plans to property photos. Partnership provides added value to real estate photographers using Rentfolio.
• Tiina DesignminorGTM or Marketing PartnerHome staging partner for property sellers and landlords. Partnership offers promotional exposure to potential customers needing property presentation services.
• AnoppiminorGTM or Marketing PartnerShort-term rental cleaning service partner. Anoppi provides professional cleaning services for Airbnb and vacation rentals in Helsinki, Espoo, Vantaa, Tampere, Turku, Rovaniemi, and Lappeenranta. Partnership provides cleaning services to landlords using Rentfolio.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Bokio: Swedish accounting and tax filing SaaS for SMBs and sole proprietors. Comparable tax-prep-first SaaS targeting Nordic small businesses, with overlapping interest in landlord/micro-rental workflows.
• Heeros: Finnish accounting/ERP SaaS for SMBs. Comparable as a homegrown Finnish financial software vendor serving small business workflows; potential competitor if it extends into landlord-specific tax integrations.

Direct peers

• Stessa: US-based free rental property accounting, income/expense tracking and tax reporting software for individual landlords. Directly comparable SaaS model serving the same SMB landlord persona with similar expense documentation and tax-prep workflows.
• Avail: Landlord software (now part of Realtor.com) offering rental listings, applications, tenant screening and rent collection for independent landlords. Comparable in serving the do-it-yourself residential landlord with software rather than services.
• RentRedi: US landlord software covering rent collection, tenant screening, maintenance, and accounting. Comparable self-serve SaaS targeting small-scale residential landlords with multiple properties.
• TurboTenant: US free landlord software for listings, applications, screening, leases and rent collection. Comparable self-serve SaaS aimed at individual residential landlords with small portfolios.
• Baselane: US landlord banking + bookkeeping platform that combines rent collection, expense tracking, and tax-ready financials for individual landlords. Closely comparable end-to-end financial management for small rental property owners.

Broad incumbents

• DoorLoop: Property management software for landlords and property managers, broader feature set (accounting, maintenance, tenant portal). Comparable category but serves a wider audience including professional property managers rather than solely individual landlords.
• Buildium: Established US property management platform for residential portfolios. Operates in the same SaaS-for-landlords category but targets larger portfolios and professional managers rather than Vuokrakulut's individual landlord niche.

Regional players

• Hemnet: Sweden's leading residential real estate marketplace. Adjacent regional player in Nordic property technology that reaches a similar property-owner audience, though focused on sales listings rather than landlord financial management.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/vuokrakulut
• Facebookfacebook.com/vuokrakulut
• LinkedInlinkedin.com/company/vuokrakulut
• Instagraminstagram.com/vuokrakulut

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vuokrakulut