Selkoraha · 2026
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 — 58 free calculators in plain English, verified from official sources.
Free · no sign-up · figures from official sources
- 58
- calculators
- 3
- languages
- 2026
- updated
- €0
- free
Calculators by topic
Salary and taxes
Gross, net, pay raise and holiday pay
8 · Browse calculators
Immigration · Migri
Income and citizenship residence period
5 · 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
13 · Browse calculators
Pension
Pension accrual and retirement age
4 · Browse calculators
Loans and insurance
Mortgage, consumer loan and interest
16 · Browse calculators
Popular calculators
Just arriving in Finland?
Two 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.
Up-to-date figures
Data from vero.fi, Kela, Migri and ETK — with sources and a verification date on every page.
Free
All 58 calculators are free and need no sign-up.
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.