Free Finland Income Tax Calculator — Tulovero

Calculate Finnish state income tax, kunnallisvero (municipal tax) by municipality, pension (TyEL), health insurance, and unemployment contributions. Free.

100% free — no signup

1Select Country

🇫🇮Finland2025 rates

2Taxpayer Type

Non-resident— living abroad, taxed on local-source income only

3Annual Gross Income

€

Enter your gross income before any tax or deductions

Annual Bonus / Supplemental Income (€)

RSU vest, annual bonus, or one-time lump-sum — taxed on top of your base salary at your marginal rate

€

4Personal DetailsAffects your result

Municipal tax rate (kunnallisvero)

Municipal income tax varies from ~16.5% (Kauniainen) to ~23.5% (some rural municipalities). Average is ~20.5%.

Finland — Key Tax Facts

→State tax 0%–34% + kunnallisvero municipal ~20.5% = total ~50% for high earners
→TyEL pension 7.15% + health 1.96% + unemployment 0.79%
→Earned income deduction (työtulovähennys) reduces municipal tax

How Finnish Income Tax Works — Tulovero

Finland's income tax has two layers: state income tax (valtionvero) with progressive brackets from 12.64% to 34%, and municipal tax (kunnallisvero) which is a flat rate averaging ~20.5% depending on municipality. Combined effective rates can exceed 50% for high earners. Social contributions add another ~10%.

State tax rate	Income
0%	€0 – €20,500
12.64%	€20,501 – €30,500
19%	€30,501 – €50,400
30.25%	€50,401 – €88,200
34%	Above €88,200

→Municipal tax (kunnallisvero): varies from 16.5% (Kauniainen) to ~23.5% — flat on the same income base

→TyEL pension contribution: 7.15% (under 53) or 8.65% (53–62)

→Health insurance contribution: 1.96%; unemployment insurance: 0.79%

→Earned income deduction (työtulovähennys): up to €3,570 credit against municipal tax

→Church tax (~1.4%): applies only to members of the Evangelical Lutheran or Orthodox church

→File via OmaVero at vero.fi — pre-filled return arrives in April, confirm by May 2