Calculators
Clear money calculators for living in Finland.
Salary and taxes
Gross, net, pay raise and holiday pay
Salary calculator · tax year 2026
Gross to net salary in Finland, 2026
See how much of your gross salary you keep in Finland in 2026. Pick your municipality and church tax to get net pay, the tax rate and a full breakdown. No sign-in.
Data verified · 2026-07-01
Reverse salary calculator · 2026
Net to gross salary in Finland, 2026
What gross salary do you need to take home a target amount in Finland in 2026? Enter your net goal, pick your municipality and church tax — the calculator shows the required gross and a breakdown.
Data verified · 2026-07-01
Marginal rate · pay raise 2026
How much of a pay raise you keep in Finland, 2026
How much of a pay raise, overtime or bonus do you keep in Finland in 2026? Work out your marginal tax rate and the net effect of the raise.
Data verified · 2026-07-01
Salary · holiday pay 2026
Holiday pay & holiday bonus calculator 2026
Calculate your holiday bonus (lomaraha), holiday pay (lomapalkka) and accrued vacation days in 2026. Enter your salary and months worked — the calculator shows the lomaraha (usually 50% of holiday pay).
Data verified · 2026-07-02
Taxes · VAT 2026
VAT calculator (ALV) 2026
Calculate Finnish VAT (ALV) in 2026: add VAT to a net price or extract VAT from a gross price. General rate 25.5%, reduced rates 13.5% (2026) and 10%. VAT registration threshold €20,000.
Data verified · 2026-07-03
Taxes · Yle tax 2026
Yle tax 2026 — public broadcasting tax in Finland
Calculate the Finnish Yle tax 2026: 2.5% of income over €15,150, capped at €160/year. No tax on income up to €15,150. Enter your annual income and see the tax per year and per month.
Data verified · 2026-07-04
Taxes · municipal tax 2026
Municipal tax in Finland 2026 — compare municipalities and net pay
Compare municipal income tax rates across Finnish municipalities in 2026 and see how much net salary you keep in each. Pick a salary and municipalities — the calculator shows the municipal tax, net pay and the difference in euros per year.
Data verified · 2026-07-01
Salary · final pay
Final pay calculator 2026
Calculate your final pay 2026: holiday compensation for unused vacation days (salary / 25), a possible holiday bonus and the net amount. Free and indicative.
Data verified · 2026-07-15
Immigration · Migri
Income and citizenship residence period
Migri · family reunification 2026
Family reunification income requirement, 2026
How much income is required for family reunification in Finland in 2026? Calculate the net income Migri requires based on your family size and municipality, and check whether your income is enough.
Data verified · 2026-07-02
Migri · citizenship 2026
Citizenship period of residence, 2026
How long must you live in Finland before applying for citizenship? Calculate the required period of residence for your situation and see when you can apply.
Data verified · 2026-07-02
Migri · permanent residence 2026
Path to permanent residence in Finland 2026 — which path fits you?
Find out which path and how many years it takes to get a permanent residence permit (P) or long-term EU residence permit (P-EU) after the 2026 reform. Enter your residence time, language, work history, income and degree.
Data verified · 2026-07-03
Migri · fees 2026
Migri processing fees 2026 — how much does an application cost?
See the Finnish Immigration Service (Migri) processing fees in 2026: residence permit, extended permit, permanent permit, citizenship. Compare electronic vs paper application fees and total the cost for a family.
Data verified · 2026-07-03
Migri · work permits 2026
Finland work visa 2026 — permit types, salary thresholds and fees
A "work visa" for Finland is a work-based residence permit. See the 2026 types: employed person (TTOL), specialist, EU Blue Card, seasonal work, researcher. Check whether your salary qualifies and see the Migri fee.
Data verified · 2026-07-04
Benefits and support
Kela and unemployment benefits, family support
Kela · child benefit 2026
Child benefit calculator (lapsilisä) 2026
Calculate your family’s child benefit in 2026. Enter the number of children, those under 3, and whether you are a single parent — the calculator shows the lapsilisä per month and per year.
Data verified · 2026-07-02
Kela · unemployment 2026
Unemployment benefit (yleistuki) in Finland, 2026
Calculate the Kela unemployment benefit (yleistuki) in Finland in 2026. Yleistuki replaced the basic unemployment allowance and labour market subsidy on 1 May 2026. See the monthly amount, wage adjustment and means test.
Data verified · 2026-07-03
Kela · housing allowance 2026
General housing allowance calculator (asumistuki) 2026
Calculate the Finnish general housing allowance (yleinen asumistuki) in 2026. Enter your municipality, household size, housing costs and income — the calculator shows the monthly allowance with the 70% rate, cost caps and basic deductible.
Data verified · 2026-07-03
Kela · parental allowance 2026
Parental allowance calculator (vanhempainraha) 2026
Calculate the Finnish parental and pregnancy allowance (vanhempainraha, raskausraha) in 2026 from your annual income. The calculator shows the daily and monthly amount, the elevated first-16-day rate and the €31.99/day minimum.
Data verified · 2026-07-03
Kela · sickness allowance 2026
Sickness allowance calculator (sairauspäiväraha) 2026
Calculate the Finnish sickness allowance (sairauspäiväraha) in 2026 from your annual income. The calculator shows the daily and monthly amount, the waiting period and the €31.99/day minimum.
Data verified · 2026-07-03
Unemployment fund · ansiopäiväraha 2026
Earnings-related unemployment allowance calculator (ansiopäiväraha) 2026
Calculate the Finnish earnings-related unemployment allowance (ansiopäiväraha) in 2026 from your salary. See the daily and monthly amount, the replacement rate and the staggering (100% / 80% / 75%). Basic component €37.21, breakpoint €3,534.95/month.
Data verified · 2026-07-03
Kela · home care allowance 2026
Child home care allowance calculator (kotihoidontuki) 2026
Calculate the Finnish child home care allowance (kotihoidontuki) in 2026: care allowance (€377.68/month for the first child under 3) and an income-tested care supplement (up to €202.12/month). Enter the number of children and family income.
Data verified · 2026-07-03
Kela · social assistance 2026
Social assistance calculator (toimeentulotuki) 2026 — estimate
Estimate basic social assistance (perustoimeentulotuki) in Finland in 2026: basic amount (single person €578.43/month) + housing costs − income. Reflects the 1.3.2026 reform. A rough estimate, not a Kela decision.
Data verified · 2026-07-03
Benefits & support · student aid
Student financial aid calculator 2026
Calculate Finnish student aid (opintotuki) 2026: study grant, housing supplement and loan guarantee, plus your annual income limit by support months. See how much you can earn. Free.
Data verified · 2026-07-15
Benefits & support · medicine reimbursement
Medicine reimbursement calculator 2026
Estimate your yearly medicine costs 2026 after Kela reimbursement: deductible 70.33 €, reimbursement 40/65/100 % and the 636.12 € annual cap. See your out-of-pocket and Kela’s share. Free.
Data verified · 2026-07-15
Benefits & support · maintenance allowance
Child maintenance allowance calculator 2026
Calculate the Kela child maintenance allowance (elatustuki) 2026: the full amount is 197.71 €/month per child. See the monthly and annual total by number of children and any reduced maintenance. Free.
Data verified · 2026-07-15
Benefits & support · daycare
Daycare fee calculator 2026
Calculate the municipal early childhood education fee from 1.8.2026: rate 10.7 %, income thresholds by family size, maximum 335 €, sibling discount. Free and indicative.
Data verified · 2026-07-17
Business & self-employment
Payroll costs, YEL, dividends and choosing a company form
Business · payroll costs 2026
Cost of an employee 2026 — employer’s on-costs in Finland
Calculate the real cost of an employee to a Finnish employer in 2026: gross + TyEL, health insurance, unemployment and accident insurance. See the multiplier, a breakdown, and what the employee takes home. Compare up to three employees.
Data verified · 2026-07-05
Business · YEL 2026
YEL calculator 2026 — self-employed pension contribution in Finland
Calculate your YEL contribution 2026: 24.40% of work income (new entrepreneur 19.03%). See the monthly and yearly contribution, pension accrual, and how work income drives sickness and parental allowances. Work-income floor €9,423, cap €214,000.
Data verified · 2026-07-05
Business · invoice to net 2026
Invoice to net in Finland 2026 — light entrepreneur and sole trader
Calculate what you keep from an invoice as a light entrepreneur (kevytyrittäjä) or sole trader (toiminimi) in 2026: VAT, platform fee or expenses, YEL and income tax. VAT threshold €20,000. Net per year and per month.
Data verified · 2026-07-05
Business · dividends 2026
Dividend tax in Finland 2026 — unlisted limited company
Calculate the dividend tax of an unlisted Oy 2026: the 8% relieved dividend, 25% taxable capital income (30/34%) and the earned-income dividend. Compare: salary vs dividend. See the net amount and the effective tax rate.
Data verified · 2026-07-05
Business · company form 2026
Sole trader vs limited company in Finland 2026 — which pays off?
Compare a sole trader (toiminimi) and a limited company (Oy) in 2026: which leaves more in hand at the same business profit. The calculator accounts for YEL, the sole trader’s capital-income split, 20% corporate tax and dividend tax. Net and effective rate for both.
Data verified · 2026-07-05
Business · advance tax 2026
Advance tax (ennakkovero) in Finland 2026 — sole trader
Calculate a sole trader’s advance tax (ennakkovero) 2026 from estimated profit: 5% entrepreneur deduction, YEL, capital/earned income split. See the yearly tax, the number of installments and a monthly buffer. Indicative, to support OmaVero.
Data verified · 2026-07-05
Taxes · household credit 2026
Household tax credit in Finland 2026 — calculate the credit
Calculate the Finnish household tax credit (kotitalousvähennys) 2026: 40% of the labour cost, max €2,100/person, €150 deductible. Renovation, cleaning, care. See the credit and the net cost of the work. Max at €5,625 of labour.
Data verified · 2026-07-05
Business · start-up grant 2026
Start-up grant (starttiraha) in Finland 2026 — new entrepreneur
Calculate the Finnish start-up grant (starttiraha) 2026: basic amount €37.21/day, about €800/month gross, up to 12 months. See the gross and net at your chosen withholding, and the 6 + 6 month split.
Data verified · 2026-07-05
Business · travel allowances 2026
Mileage and per diem in Finland 2026 — calculator
Calculate tax-exempt business-travel allowances 2026: mileage €0.55/km, full per diem €54, partial €25. Add passengers, trailer and free meals. See the total allowance.
Data verified · 2026-07-05
Business · profitability 2026
Break-even calculator in Finland 2026
Calculate your business break-even point 2026: how much you must sell for revenue to cover costs. Enter price, variable costs, fixed costs and your target salary. See the contribution margin and the sales volume needed.
Data verified · 2026-07-05
Business · setup 2026
Cost of starting a business in Finland 2026
Calculate the cost of starting a business in Finland 2026: PRH fee (sole trader €75, Oy €300/400), share capital, accounting, YEL and website. See one-off costs, monthly costs and the first-year total.
Data verified · 2026-07-05
Business · VAT threshold 2026
VAT-registration threshold 2026 — turnover tracker
Track when your turnover crosses the mandatory VAT-registration threshold (€20,000/calendar year, 2026). See how much room is left and which month you cross it.
Data verified · 2026-07-05
Business · company car
Company car benefit calculator 2026
Calculate the taxable value of a company car 2026: free benefit or usage benefit, age group A/B/C, electric and hybrid reductions. See the monthly value and the tax impact. Free.
Data verified · 2026-07-15
Pension
Pension accrual and retirement age
Pension · retirement age 2026
Retirement age in Finland 2026 — by year of birth
Find your lowest old-age retirement age by year of birth (Finland, 2026): e.g. 1961 → 64y 9m, 1962–1964 → 65y. See the earliest month your pension can begin, the upper insurance age and the partial-pension age.
Data verified · 2026-07-06
Pension · pension gap 2026
Pension-gap calculator 2026 — which periods accrue pension?
Find out which life periods accrue earnings-related pension and which leave a gap in 2026. Earnings-related unemployment allowance, parental allowance and care of a child under 3 accrue; Kela basic security (yleistuki) does not. Estimate your gap.
Data verified · 2026-07-06
Pension · pension forecast 2026
Pension forecast in Finland 2026 — how much will you get?
Estimate your future earnings-related pension 2026: pension accrues at 1.5%/year of pay. See the amount before and after the life-expectancy coefficient (0.94643) and how much working past retirement age adds (0.4%/month deferral increment).
Data verified · 2026-07-06
Pension · partial pension
Partial early old-age pension calculator 2026
Calculate the partial early old-age pension (OVE) 2026: 25 % or 50 % of accrued pension, a 0.4 %/month early reduction and the life expectancy coefficient. See the monthly and annual pension. Indicative.
Data verified · 2026-07-15
Loans and insurance
Mortgage, consumer loan and interest
Loans & insurance · mortgage
Mortgage calculator 2026
Calculate your mortgage monthly payment 2026: enter price, down payment, rate and term. Annuity or equal-principal, total interest and a yearly amortization schedule. Free.
Data verified · 2026-07-12
Loans & insurance · consumer loan
Consumer loan calculator 2026
Calculate a consumer loan’s APR and monthly payment 2026: enter amount, term, rate and fees. See interest, fees and total cost. Rate cap 17.50% (H1/2026).
Data verified · 2026-07-12
Loans & insurance · car tax
Car tax calculator 2026
Calculate Finnish car tax (autovero) 2026: enter price and CO2 (WLTP). See the tax rate and amount in euros. Electric/hydrogen 0%. Free and indicative.
Data verified · 2026-07-13
Loans & insurance · vehicle tax
Annual vehicle tax calculator 2026
Calculate Finnish annual vehicle tax (ajoneuvovero) 2026: base tax (CO2 WLTP/NEDC or mass) + driving-power tax by fuel and mass. Petrol, diesel, electric, hybrid.
Data verified · 2026-07-13
Loans & insurance · car loan
Car loan calculator 2026
Calculate a car loan or hire-purchase payment: price, down payment, rate, term and residual value. See the monthly payment, total interest and APR. Free.
Data verified · 2026-07-13
Loans & insurance · debt consolidation
Debt consolidation calculator 2026
Compare your current debts with one consolidation loan: the monthly-payment saving and the total-cost difference. See whether consolidation pays off.
Data verified · 2026-07-13
Loans & insurance · affordability
Mortgage affordability calculator 2026
Estimate how large a mortgage a bank may approve: servicing capacity (6% / 25-year stress test, 60% of net income) and the 95% loan cap. See the max home price too.
Data verified · 2026-07-14
Loans & insurance · student loan
Student loan calculator 2026
Calculate the student loan compensation (40% of the part over €2,500) and repayment. See the compensation, the remaining loan and the monthly payment.
Data verified · 2026-07-14
Loans & insurance · car insurance
Car insurance calculator 2026 (estimate)
Estimate the annual cost of car insurance: mandatory traffic insurance + kasko by car value, bonus, region and age. Indicative range, not an offer.
Data verified · 2026-07-14
Loans & insurance · home insurance
Home insurance calculator 2026 (estimate)
Estimate the annual cost of home insurance: rental, owned apartment or house, contents value, cover level and deductible. Indicative range, not an offer.
Data verified · 2026-07-14
Loans & insurance · property tax
Property tax calculator 2026
Calculate Finnish property tax (kiinteistövero) 2026: enter the taxable values of the land and building and your municipal rates. See the land tax, building tax and total. Free and indicative.
Data verified · 2026-07-15
Loans & insurance · capital gains tax
Capital gains tax calculator 2026
Calculate Finnish capital gains tax (luovutusvoittovero) 2026: sale price, acquisition cost and expenses. Compares the actual cost and the deemed cost (20/40 %) and taxes at 30/34 %. Free and indicative.
Data verified · 2026-07-15
Loans & insurance · investing
Equity savings account vs regular account 2026
Compare the Finnish equity savings account (OST) with a regular securities account 2026: enter your deposit, return and horizon. See the after-tax value on each and which wins. Indicative.
Data verified · 2026-07-15
Loans & insurance · buying a home
Transfer tax calculator 2026
Calculate transfer tax (varainsiirtovero) 2026: housing shares 1.5 %, real estate 3 %, other securities 1.5 %. Tax on the debt-free price. The first-home exemption ended in 2024. Free.
Data verified · 2026-07-15
Loans & insurance · inheritance
Inheritance tax calculator 2026
Calculate inheritance tax 2026: the tax-free threshold is 30,000 €, classes I and II, a progressive scale and the spouse and minor deductions. Free and indicative.
Data verified · 2026-07-15
Loans & insurance · gift
Gift tax calculator 2026
Calculate gift tax 2026: the tax-free limit is 7,500 € over three years from the same donor, classes I and II, a progressive scale and cumulation of earlier gifts. Free and indicative.
Data verified · 2026-07-17
Every Finnish personal-finance calculator in one place
This is the full Selkoraha set: 58 free tools across six topics. For newcomers and expats, the Immigration section works out the family-reunification income, the citizenship residence period, Migri fees and work permits — clearly, in plain English.
Salary and taxes: net and gross, marginal tax, holiday pay, VAT and the YLE tax. Kela and benefits: child benefit, yleistuki, housing, parental and sickness allowance, social assistance and the daycare fee. Business: YEL, dividend tax, sole trader vs limited company, advance tax and the VAT threshold. Pension: retirement age, forecast and pension gap. Loans and insurance: mortgage, consumer credit, vehicle and property tax, capital-gains, inheritance and gift tax. Every figure is verified from official sources and updated for 2026.
Frequently asked questions
How many calculators does Selkoraha have?
58 calculators across six topics: salary and taxes, Kela and benefits, immigration, business, pension, and loans and insurance.
Are the calculators free?
Yes, all calculators are free and need no registration.
What year are the figures from?
For 2026. Figures are based on values from the Tax Administration, Kela, Migri and the Finnish Centre for Pensions, and each calculator page shows a verification date.
Are the results official?
They are indicative estimates to help you prepare. The final amount or decision is always confirmed by the authority.
Which languages are the calculators in?
Finnish, Russian and English. Each calculator has its own URL in each language.