Income Tax Calculator

This 8.2% is made up of the employee's TyEL pension contribution (7.30%) and unemployment insurance contribution (0.89%). They are levied on almost all wage income regardless of whether actual income tax is owed. Below roughly €29,200 of annual gross income, very little state or municipal income tax is owed after automatic deductions.

The effective tax rate tells you what share of your total annual income goes to taxes and contributions. The marginal rate tells you how much of the next euro earned goes to taxes. The marginal rate is always higher than the effective rate because Finnish taxation is progressive.

The figure is an estimate based on 2026 taxation. The calculation uses the national average municipal tax (7.57%) and average church tax (1.38%). Your actual rate may differ by a few percentage points based on your municipality, church membership and deductions.

As a light entrepreneur, you don't pay the employee TyEL contribution (7.30%) or unemployment insurance (0.89%), but you must take out YEL insurance once your YEL työtulo exceeds €9,423.09 per year (2026). The YEL contribution is 24.40% of YEL työtulo, much higher than the employee TyEL share since you pay it alone. This calculator can model both an employee and a light entrepreneur; YEL is a separate calculation.

vero.fi example calculations show only the "tax on pay" — state, municipal, church and Yle taxes. Social contributions (TyEL, unemployment, sickness insurance) are not included. This calculator shows both the income tax separately and the total, so you see exactly where the money goes.

It does not account for individual deductions (mortgage interest, household tax credit, donations, union dues). Capital income (dividends, rent, capital gains) is not included either, since it is taxed separately at 30/34%. The calculator assumes your entire income is from wages.