Finland Tax Calculator (2026)
Income tax rates and take-home pay for Finland
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Finland Income Tax Brackets (2026)
| Bracket | Income Range | Rate |
|---|---|---|
| Basic rate | €0 - €21,200 | 12.6% |
| Second bracket | €22,000 - €32,600 | 19.0% |
| Third bracket | €32,600 - €40,100 | 30.3% |
| Fourth bracket | €40,100 - €52,100 | 33.3% |
| Top bracket | €52,100+ | 37.5% |
Municipal income tax
| Bracket | Income Range | Rate |
|---|---|---|
| Municipal tax (average rate) | €0+ | 7.5% |
Public broadcasting tax
| Bracket | Income Range | Rate |
|---|---|---|
| Broadcasting tax above threshold | €15,150+ | 2.5% |
State tax credit: €160
Employee pension insurance contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Pension contribution | €0+ | 7.3% |
Employee sickness insurance contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Sickness insurance | €0+ | 2.0% |
Employee unemployment insurance contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Unemployment insurance | €0+ | 0.9% |
Daily allowance contribution (sickness insurance component)
| Bracket | Income Range | Rate |
|---|---|---|
| Daily allowance premium | €17,255+ | 0.9% |
Key Facts
Tax Year
2026
Currency
EUR
Top Rate
37.5%
Brackets
5 brackets
Allowance
None
Social Contributions
4 items
Assumptions
- · Municipal tax modeled at average rate of 7.50% on earned income.
- · Church tax excluded per default person model (not a church member).
- · Public broadcasting tax included at 2.5% on income exceeding EUR 15,150, capped at EUR 160.
- · Standard deduction of EUR 750 for employment expenses applied as income-based deduction.
- · Travel expense deduction to work modeled with EUR 900 threshold and EUR 7,000 maximum.
- · Employee pension (7.30%), sickness (1.98%), and unemployment (0.89%) contributions are deductible and reduce taxable income for both national and municipal tax.
- · Foreign expert tax regime (25% flat rate) excluded; standard resident progressive model used.
- · Household, accommodation, and donation deductions excluded as not applicable to default person.
- · Home office deduction abolished from 2026 per source.
- · Trade union fees no longer deductible from 2026; unemployment fund fees remain deductible.
Frequently asked questions
What is the top income tax rate in Finland?
The highest marginal income tax rate in Finland is 0.4%. Your effective tax rate will be lower depending on your income level.
How many tax brackets does Finland have?
Finland has 5 income tax brackets. Income is taxed in brackets - you only pay the higher rate on income above each threshold, not on your entire income.
How is take-home pay calculated in Finland?
Take-home pay in Finland is your gross salary minus income tax, social contributions, and any applicable surcharges. Use the calculator above to see an exact breakdown for your salary.
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