What does your financial decision really cost?
Enter your own numbers - get a precise euro amount. A car benefit can cost 320 €/mo more than it appears.
Based on official Finnish Tax Administration formulas · No data stored
Example: 3 500 €/mo salary
Example: 3 500 €/mo salary
How it works
Three steps to the right answer.
Enter your own numbers
Salary, loan amount, or whatever applies - your numbers, not examples.
The calculator does the work
Formulas from official Finnish sources calculate the result instantly.
Get a clear answer
A concrete euro or percentage - no generalisations, no guesswork.
A car benefit looks great on paper. But...
- How much does it cut from your net pay?
- Is it actually cheaper than owning?
- Or worse?
talous.io shows you the real answer.
True car benefit cost
Salary 3 500 € / mo, when your car taxable value is 799 € / mo
Open calculatorSalary or dividend? The right answer can mean thousands of euros.
- How much salary should you take?
- When is dividend cheaper?
- How much does corporate tax change the math?
The calculator finds the optimal split for your numbers.
Example calculation
Tax saved vs. salary only, when company net assets are 80 000 euros
Open calculatorDo you know what your loan really costs?
- The bank tells you the monthly payment - but not the total cost.
- The real annual rate hides behind opening fees and monthly service charges.
- The reference rate comes with a margin - the combined rate can surprise you.
The loan calculator shows your monthly payment, total interest, and APR - with your own numbers.
Example calculation
500 000 € loan, 20 years, 3.23% rate - total interest 182 490 €
Calculate your loan costAre you aware of all the tax-free employee benefits you could have?
- The annual value of a lunch benefit can exceed 3,000 euros - does your employer offer this?
- Sports, dental care, and a work phone are all tax-free - do you have them?
- Many employees don't know which benefits they're entitled to.
Check your benefits and calculate their value.
Example: lunch + sports benefit
Lunch benefit max 3,080 €/yr + sports and culture benefit 400 €/yr if all benefits in use.
Check your benefitsComing soon
talous.io - better decisions.
The car benefit calculator is just the start. We are building tools for every financial decision.
- Leasing vs ownership
- Gross to net salary
- Electric vs combustion