OneFreePlace

Business Tools · #589 · 2026

Finland Net Salary Calculator

A transparent Finnish salary lab: progressive state tax, municipal/church rates, automatic deductions, work-income credit, employee social contributions, Yle tax, employer cost, comparisons and reverse net-to-gross planning. Everything runs locally in your browser.

Your pay & tax setup

Use the published 2026 rules for planning, or switch to a known annual tax amount when you already have an official calculation.

Salary input

Base salary (€)

Annual bonus / cash extras (€)

Taxable fringe benefits (€)Taxable, but not counted as cash take-home.

Tax mode

Municipal tax rate (%)Helsinki/Espoo 2026 default shown.

Church tax rate (%)Set 0 if not liable.

Age-based work-credit increase

Children under 18 in custody

Single-parent credit increase

Actual income-production expenses (€)Automatic €750 applies when actual costs are lower.

Other deductible earned-income items (€)

Employee TyEL (%)

Employee unemployment (%)

Daily-allowance contribution

Employer-cost planner

Planning rates only; accident/group-life costs vary by employer.

Employer pension (%)

Employer health insurance (%)

Employer unemployment (%)

Accident / group-life estimate (%)

Compare another salary

Annual gross cash salary (€)

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Reverse net-to-gross

Target monthly take-home (€)

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Saved snapshots

No snapshots saved yet.

Estimated take-home

2026 planning estimate

Annual net cash—

Monthly net—

Employer cost—

NetTax/health/YleEmployee contributions & deductions

Gross cash salary—

Taxable fringe benefits—

Income-production deduction—

TyEL employee contribution—

Unemployment contribution—

State income tax before credit—

Municipal + church tax—

Health insurance contributions—

Employment income credit—

Public broadcasting tax—

Total tax/health/Yle—

Diagnostics

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Effective take-home rate—

Next €1,000 gross adds—

Automatic/basic allowance—

Taxable earned-income base—

2026 rules in this build

State bands: 12.64% / 19% / 30.25% / 33.25% / 37.5%. Employee TyEL default 7.30%; unemployment 0.89%; health-care 1.10%; daily allowance 0.88% from €17,255; Yle tax capped at €160. Municipal and church rates remain editable because they vary by location and affiliation.