Calculate your take-home pay in Finland (nettopalkka): progressive national income tax, municipal tax rates, TyEL pension contributions, holiday bonus, and employer hiring costs.
| Tax / Contribution | Rate 2026 |
|---|---|
| Valtion tulovero (Valstybės progresinis mokestis) | 0 % – 34,00 % (virš 20 500 € pajamoms) |
| Kunnallisvero (Savivaldybės pajamų mokestis) | 4,40 % – 10,80 % (vidutiniškai ~7,50 %) |
| TyEL (Darbuotojo pensijų draudimas) | 7,15 % (darbuotojams 17–52 ir 63–67 m.) |
| Työttömyysvakuutus (Darbuotojo nedarbo draudimas) | 0,79 % |
| Työtulovähennys (Darbo pajamų mokesčio kreditas) | Atskaitoma tiesiogiai iš apskaičiuoto mokesčio |
| Darbdavio socialiniai mokesčiai ir TyEL | apie 20,00 % prie bruto atlyginimo |
Annual income up to €20,500 is exempt from state tax. Higher income is taxed progressively in brackets of 12.64%, 19.00%, 30.25%, and 34.00% for top earners over €150,000.
Every municipality in Finland levies an income tax. Following recent social and healthcare reforms, municipal tax rates range from 4.4% to 10.8%, with the average around 7.50%.
TyEL is statutory occupational earnings-related pension insurance. Employees aged 17–52 and 63–67 contribute 7.15% of gross earnings, while the employer pays approximately 17.35%.
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