Business
Entrepreneur calculators 2026
Entrepreneur calculators help you estimate business taxes and costs in 2026: YEL insurance, dividend tax, sole trader vs limited company, advance tax, household tax credit, start-up grant, mileage and per diem, the break-even point, start-up costs and the VAT-registration threshold.
The figures are based on the Tax Administration, pension companies and PRH. The calculators are free and need no sign-up.
Key figures 2026
- 24.40 %
- YEL contribution (new 19.03 %)
- 20 %
- corporate tax (Oy)
- €2,100
- max household deduction (40 %)
- €20,000
- VAT registration threshold
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Which entrepreneur calculators are here?
For tax: dividend tax, advance tax, household credit and the VAT threshold. For form and costs: sole trader vs Oy, YEL, employer on-costs, invoice-to-net, start-up costs. For planning: the break-even point and mileage and per diem.
The single largest cost is often YEL, whose work income also determines your pension and social security — it is worth setting realistically.
Entrepreneur contributions and taxes 2026
The YEL contribution is 24.40 percent of the confirmed work income (tyotulo). A new entrepreneur gets a 22 percent discount for the first 48 months, giving an effective rate of about 19.03 percent. The YEL work income lower limit is 9,423.09 euros and the upper limit 214,000 euros a year.
The corporate tax rate for a limited company (Oy) is 20 percent. A sole trader profit is taxed as the entrepreneur personal income, split into earned and capital income. The sole trader versus Oy calculator compares these options with your own figures.
Deductions and thresholds
The maximum household deduction (kotitalousvahennys) is 2,100 euros per person, the deduction rate is 40 percent and the deductible is 150 euros. It covers renovation, cleaning and care work bought from a company.
The VAT registration threshold is 20,000 euros of turnover a year. The advance tax calculator helps size your prepayments, and the mileage and per diem calculator uses the 2026 value of 0.55 euros per kilometre.
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Which entrepreneur calculators are here?
YEL, dividend tax, sole trader vs Oy, advance tax, household credit, start-up grant, mileage and per diem, employer costs, invoice-to-net, break-even, start-up costs and the VAT threshold.
How much is the YEL contribution in 2026?
24.40% of work income; a new entrepreneur gets a 22% discount for the first 48 months (effective 19.03%).
Sole trader or limited company?
At smaller profits a sole trader is often lighter; an Oy pays off when profit is left in the company. The comparison calculator shows the difference at your own profit.
When does VAT liability begin?
When turnover exceeds €20,000 in a calendar year (raised from €15,000 to €20,000 in 2025).
How much is the YEL contribution in 2026?
The YEL contribution is 24.40 percent of confirmed work income. A new entrepreneur gets a 22 percent discount for the first 48 months, giving an effective rate of about 19.03 percent.
What is the maximum household deduction in 2026?
The maximum is 2,100 euros per person. The deduction rate is 40 percent and the deductible is 150 euros a year. Work out your own with the household deduction calculator.