Finnish personal finance calculators 2026: salary, taxes, immigration & pension
Moving to or living in Finland? Work out your net salary, taxes, Kela benefits, Migri income requirements, work permits and pension – 67 free calculators in plain English, verified from official sources.
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Calculators by topic
Salary and taxes
Gross, net, pay raise and holiday pay
7 · Browse calculators
Immigration · Migri
Income and citizenship residence period
6 · Browse calculators
Work
Notice periods, lay-offs, overtime pay, collective agreement pay and certificates
6 · Browse calculators
Benefits and support
Kela and unemployment benefits, family support
12 · Browse calculators
Business & self-employment
Payroll costs, YEL, dividends and choosing a company form
15 · Browse calculators
Pension
Pension accrual and retirement age
4 · Browse calculators
Loans and insurance
Mortgage, consumer loan and interest
17 · Browse calculators
Popular calculators
Practice tests
Three exams you can practise for free. Each follows the format of the real test, and every answer comes with an explanation and its source.
Just arriving in Finland?
Three step-by-step checklists: what to do from day one after moving, and how the asylum path works. With the 2026 changes and a printable PDF.
What can you calculate on Selkoraha?
Selkoraha brings together the essential Finnish personal-finance calculators in plain English. For newcomers and expats: net salary, the Migri income requirement for family reunification, the residence period for citizenship, work-permit salary thresholds and Migri fees – the things official sites rarely explain simply.
For workers and families: gross-to-net, taxes, child benefit, the unemployed person’s yleistuki, housing and parental allowances from Kela. For entrepreneurs: YEL, dividend tax, sole trader vs limited company, advance tax and the VAT threshold. For pensions: retirement age, forecast and pension gap. Every figure is verified from official sources and updated for 2026.
Why Selkoraha?
Plain English
The Finnish system explained clearly – built for newcomers and expats.
A source under every calculator
Every calculator names its official source (vero.fi, Kela, Migri, Traficom) and the date the figures were last checked.
Corrections in the open
When a figure changes or we find a mistake, we fix it and record the change in the corrections log on the About page.
Immigration tools
Migri calculators – family-reunification income, citizenship residence period and work permits.
Frequently asked questions
How much of my salary do I keep in Finland?
It depends on your gross salary, municipality and deductions. The net–gross calculator shows your take-home pay and tax rate for 2026.
What is the Migri income requirement for family reunification?
It depends on family size and municipality – an adult plus one child in the capital region, for example, needs €1,820 net/month. Check your threshold in the income calculator.
What salary do I need for a work permit?
It depends on the permit type: an employed person’s permit needs €1,600/month gross, a specialist €3,937/month. See the work-permit calculator.
How long must I live in Finland for citizenship?
Usually 8 years (from 1 October 2024); 5 years with sufficient language skills or a Finnish spouse; 2 years for Nordic citizens. The citizenship calculator shows your date.
Are the calculators free and reliable?
Yes, all are free. Figures are verified from official sources, and results are indicative – the final decision is always made by the authority.