Finland net salary calculator (Nettopalkka, palkkalaskuri)
Finland net salary calculator (Your Finnish net salary is gross minus about 10.17% in contributions and combined state-plus-municipal income tax.
Worked example · Netto / kk
You keep 74.3% of gross pay 25.7% goes to tax and contributions
With Bruttopalkka / vuosi of 42,000 EUR, this model computes Netto / kk of 2,600 EUR. See the full working.
✓ Verified against 2 self-test cases Updated for 2026 · sources checked 2026-08-02
How Nettopalkka (net salary) in Finland is calculated
Finnish payroll deducts employee pension (TyEL 7.30%), unemployment (0.89%) and health contributions (1.1% + 0.88%), about 10.17% of gross together in 2026.
Income tax combines a progressive state scale with a flat municipal rate (roughly 7.5%), reduced by substantial earned-income deductions. This simplified model applies a combined progressive tax. Estimate, not tax advice.
Worked example
ShowHide the full working: 1 input, 5 computed steps
| Inputs | |
|---|---|
| Bruttopalkka / vuosi | 42,000 EUR |
| Computed by the engine | |
| Sotu-maksut (~9,64%) ✓ pinned | 4,271.40 EUR |
| Verotettava ✓ pinned | 37,728.60 EUR |
| Vero (valtio+kunta) | 6,528.58 EUR |
| Netto / vuosi | 31,200.02 EUR |
| Netto / kk | 2,600 EUR |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What are the contributions on a Finnish salary?
Pension (7.30% in 2026, higher for ages 53-62), unemployment and health, about 10.17% together off gross.
How is income tax charged?
A progressive state scale plus a flat municipal rate, reduced by earned-income deductions.
Is this exact?
It is a simplified estimate; the vero.fi calculator gives the exact withholding percentage.
Sources
- Vero.fi · checked 2026-08-02
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
Related calculators
Sweden Lön efter skatt (salary after tax) · Estonia Netopalk (net salary) · Norway Lønn etter skatt (salary after tax) · Luxembourg Salaire net (net salary) · Austria Nettogehalt (net salary)
Also for Finland: Finland Ajoneuvovero (vehicle tax) · Finland Toiminimi (sole trader) · Finland ALV (VAT) · Finland Vuosiloma (annual leave)
All Finland calculators · All calculators
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