Low-hanging fruit
Four benefits worth asking your employer about - fixed values, easy to implement.
Combined value of fixed benefits
Plus milestone gift (~1 week salary) on work anniversaries.
+1 120 €/v
Lunch benefit
up to 3 080 €/v
A fringe benefit that makes lunch cheaper. You pay 75% of the face value; the employer covers 25% tax-free. Example: 100 € lunch balance (Epassi, Smartum) costs you 75 € - you save 25 €. Meal value must be 8.80-14.00 €/day. Source: ITA 69 § 1.1.
Sports and culture benefit
fixed 400 €/v
Employer-provided balance for sports or culture (gym, cinema, concerts, museums). Tax-free up to 400 €/year. Typically paid via benefit card (Epassi, Smartum). Source: Finnish Tax Administration, ITA 69 § 5.
Company car benefit
varies
Employer-provided car for private use. The taxable value is added to your gross income - it is not tax-free. Use the car benefit calculator to find the real net impact on your take-home pay.
Dental care
varies
Employer-provided dental care as part of occupational health. Requires an occupational health contract that covers dental treatment. Tax-free when the benefit is ordinary and reasonable and offered to all or a broad group of employees. No statutory euro limit - the Tax Administration accepts reasonable costs. Source: Finnish Tax Administration, ITA 69 § 1.1.
Extended occupational health
varies
Occupational health beyond the statutory minimum: specialists, psychologist, physiotherapy. Tax-free when ordinary and reasonable, offered to the whole staff group. Source: ITA 69 § 1.1.
Milestone gifts
~1 week salary
Gift for work anniversaries (e.g. 10, 20, 30 years), marriage, or retirement. Tax-free when the value is ordinary and reasonable. Finnish Tax Administration guidance (ref. A67/200/2013): a reasonable amount corresponds to approximately one week's gross salary. Must not be cash or equivalent (a gift card redeemable for cash = taxable). Source: ITA 69 § 1.3.
Phone subscription
typically ~30 €/mo
Work phone and subscription contracted by the employer. Private use is fully tax-free. Typical subscription cost ~20-40 €/mo - calculator uses 30 €/mo estimate. Source: ITA 69 § 4.
Home broadband
typically ~30 €/mo
Home broadband contracted in the employer's name for the employee. Private use is fully tax-free. Requires the employer to be the contracting party - does not apply if the employee pays and gets reimbursed. Typical 4G/5G or fibre connection ~20-40 €/mo - calculator uses 30 €/mo estimate. Source: Finnish Tax Administration guidance, ITA 69 §.