Taxes · household credit 2026
Household tax credit in Finland 2026 — calculate the credit
The tax credit for household expenses (kotitalousvähennys) in 2026 is at most €2,100 per person and equals 40% of the labour share paid to a company (incl. VAT). A €150 deductible is subtracted from the credit. The maximum credit of €2,100 is reached at €5,625 of labour.
Only the labour share qualifies — not materials or travel — and payment must be a bank transfer to a company in the prepayment register. Both spouses can claim, making the maximum €4,200. For an oil-heating phase-out the credit is 60%, up to €3,500. The increase applies in 2026–2027.
Calculate the household tax credit
Only the labour share — not materials or travel. Payment by bank transfer.
Both deduct their share, doubling the maximum (and the deductible).
Household tax credit
€1,600
Net cost of the work after the credit
€4,025
| Labour share | €5,625 |
| Credit rate | 35 % |
| Calculated credit | €1,969 |
| – Deductible | €150 |
| Credit | €1,600 |
The credit is at its maximum (€1,600). The excess cannot be deducted.
The household tax credit 2026 is 35% of the labour share paid to a company, up to €1,600 per person, with a €150 deductible. It is deducted from your taxes, so it requires enough tax to pay. Only work paid to a company in the prepayment register qualifies. The oil-heating exception applies in tax years 2025–2027. The calculator is indicative.
How much household tax credit can you get in 2026?
The household tax credit in 2026 is at most €1,600 per person per tax year. For work bought from a company the credit is 35% of the labour share incl. VAT, and a €150 deductible is subtracted from this calculated amount. The maximum credit of €1,600 is reached at €5,000 of labour: (5,000 × 35%) − 150 = €1,600. If the work is done by a hired employee, the credit is 13% of the wages paid plus the employer’s statutory on-costs. For an oil-heating phase-out the credit is 60%, with a maximum of €3,500; that exception applies in tax years 2025–2027. Only the labour share qualifies — materials, supplies and travel cannot be deducted. Both spouses can each deduct their share, making the combined maximum €3,200. Deductible work includes renovation, cleaning, childcare, yard and snow work, and care services.
What work qualifies and how the credit is calculated
The credit is available for work done at home: renovation and maintenance, cleaning and household work, and care work. It is calculated only from the labour share, so materials, supplies and travel costs on the invoice do not count. If the labour share is €2,000, for example, the credit is 40% × €2,000 − €150 = €650. The credit is deducted from tax (not from income), so it reduces the tax payable directly.
You can have the work done by a company in the prepayment register (credit 40% of the labour share) or hire an employee directly (credit 15% of the wage + the employer’s side costs). The €150 deductible is subtracted only once a year. The credit is also available for work done in a home used by you, your parents or grandparents.
Frequently asked questions
How large is the household tax credit in 2026?
At most €2,100 per person. It is 40% of the labour share, with a €150 deductible subtracted. The maximum is reached at €5,625 of labour; for spouses up to €4,200 together.
What work qualifies for the credit?
Renovation, maintenance, cleaning, household and care work done at home. Only the labour share counts — not materials, supplies or travel.
How must payment be made?
By bank transfer to a company, and the company must be in the prepayment register. Cash payment gives no credit. You can also hire an employee directly, in which case the credit is 15% of the wage + side costs.
Can both spouses claim?
Yes. Each can deduct up to €2,100, so €4,200 together. It is worth splitting the credit so that both the deductible and the maximum are used for each spouse.
How much is given for an oil-heating phase-out?
For phasing out oil heating the credit is an increased 60% of the labour share, up to €3,500 per person. The increase applies in 2026–2027.