Net Salary Calculator

Gross salary is the figure in your employment contract. Net salary is what actually lands in your account. The difference can be surprisingly large - typically 25-40% of gross goes to taxes and statutory contributions.

What makes up the deductions?

Income tax withholding covers state and municipal tax. On top of that, employees pay a pension contribution (TyEL: 7.15% or 8.65%) and unemployment insurance (0.59%). These do not appear on your tax card but are deducted directly from your pay.

What is the right tax rate to use?

The rate on your Finnish tax card is the withholding rate - it does not include TyEL or unemployment insurance. The calculator adds these automatically. If you use the automatic estimate, the rate is based on Veronmaksajat statistics for 2026.

See also