Finnish salary calculator with 2026 tax data. Enter your gross salary and municipality — see instantly how much actually remains after taxes and mandatory contributions.
Fill in your salary details and see how much remains after taxes. The calculator factors in tax rate, pension and unemployment contributions and municipal differences.
A single gross salary, two stories
Where you live affects how much of your gross salary stays in your pocket. Municipal tax alone can mean hundreds of euros a year.
Capital
Helsinki
5.30 % municipal tax
2 718 €
Nettopalkka / kk
Satakunta
Pori
9.50 % municipal tax
2 596 €
Nettopalkka / kk
Annual difference
— municipal tax alone
+1 471 €
Comparison
The salary calculator can return a different result depending on where you live. Municipal tax determines how much of your gross salary you take home.
The comparison below shows how the same gross salary yields a different net amount in different municipalities. The gap is driven mainly by municipal tax and other deductions.
Calculation: €3,500 gross / month, under 53, 2026 tax tables.
Manual
Using the salary calculator is simple. Enter your gross salary, pick the calculation mode, your municipality and age band. The calculator shows the net estimate and breaks down each deduction.
Gross → Net shows what stays in your pocket. Net → Gross computes the gross required to reach a given net amount.
Provide the gross salary before any tax or deduction. Use the slider or type the monthly figure (€500 – €12 000 / mo).
Pick from 120+ municipalities so the calculator can account for local differences. Helsinki and Pori, for example, produce different net pay due to municipal tax.
The TyEL pension contribution is 7.15 % for under 53 and over 62, and 8.65 % for ages 53–62. The right age gives a more accurate net estimate.
Review the net estimate and the breakdown of deductions. The result is indicative — final pay varies based on your personal details.
Sources
The salary calculator is based on 2026 data for pay, taxation and social insurance contributions. The final payroll calculation always rests on your personal tax card and your employer's payroll system.
The pension contribution is 7.15 percent of the salary for employees under 53 and over 62, and 8.65 percent for those aged 53–62 in 2026.
The combined health-care and daily-allowance contribution is collected from the employee's salary. In 2026 the daily allowance contribution is 1.16 percent of salary.
The state progressive income tax schedule applies to earned income and consists of five tax brackets. In 2026 the lowest marginal rate is 12.64 and the highest 44.00.
Background
A salary calculator is a tool that estimates how much of your gross salary remains after taxes and mandatory contributions. It helps you compare pay levels and understand how tax rate, municipality and pay period affect your net pay.
Net salary is the amount paid to an employee's account after gross salary has been reduced by taxes and statutory contributions. In everyday speech net salary is often called take-home pay.
Gross salary is your pay before any taxes or deductions. Net salary is what you actually have available to spend. The salary calculator converts gross to an estimate of net — in seconds and without spreadsheets.
The calculator's output is always an estimate because the final amount depends on your personal tax card, deductions, side income, fringe benefits, payroll practices and other individual factors. Verify your exact withholding rate in OmaVero.
The salary calculator suits employees, job seekers, entrepreneurs and anyone who wants to estimate their take-home pay before signing a contract, negotiating salary or switching jobs.
Yes. The salary calculator helps you estimate which gross figure corresponds to the take-home pay you want. This makes a salary negotiation more concrete — you can immediately see how a raise impacts your net pay.
Glossary
Key terms around pay, taxation and net salary, explained briefly.
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