About Us

MyPalkkalaskuri.com is a free web service aimed at Finns and people working in Finland, helping employees, employers, and entrepreneurs understand their salary and the statutory contributions related to it. We offer seven different salary calculators with one reliable calculation principle – using the official 2026 tax data.

What is MyPalkkalaskuri.com?

MyPalkkalaskuri.com is a free and openly available web service that lets you calculate your net salary, an hourly wage's monthly equivalent, employer's side costs, YEL pension contribution, or a light entrepreneur's take-home income in a matter of seconds. Our calculators are based on the tax and insurance contribution rates in force in 2026, and they are updated whenever legislation or municipal tax rates change.

We don't require registration, identification, or user account creation. You can use all calculators immediately without any commitment or payment.

Why Did We Build This Service?

Understanding the Finnish payroll system isn't easy – many different contributions leave the gross salary, and the outcome varies with several variables (municipality, age, church membership, TES, employment contract type). A €3,500 gross salary mentioned in a job interview could just as easily mean €2,400 or €2,600 net per month. The difference is significant, but few can calculate it in their head.

• Completely free – no hidden costs, no "premium" version.
• No registration – use immediately without a user account.
• Accurate – up-to-date 2026 taxes and insurance contributions.
• Private – we don't store your salary data anywhere, all calculations happen in your browser.
• Works on all devices – responsive interface for phone, tablet, and desktop.
• Fast – results immediately, no loading times or access barriers.
• Multilingual – the service is available in Finnish, English, German, Spanish, and Chinese.

How Do the Calculators Work?

We use official tax and insurance contribution data for 2026. The most important rates used by our calculators:

Employee Contributions

• TyEL (earnings-related pension): 7.15% (under 53), 8.65% (ages 53–62)
• Unemployment insurance: 0.89%
• Medical care contribution: 1.06%
• Daily allowance contribution: 0.84% (charged over €16,862/year income)
• Municipal taxes: all Finnish municipalities 4.7–10.9%
• State income tax: 2026 progressive scale
• Church tax: 1.00–2.10% for church members
• Yle tax: 2.5% over €14,000/year income, max €163/year

Employer Side Costs

• TyEL (employer's share): 17.10%
• Health insurance contribution (sava): 1.91%
• Unemployment insurance: 0.31%
• Accident insurance: avg. 0.51% (varies 0.05–5% by industry)
• Group life insurance: 0.06%

Entrepreneur Contributions

• YEL pension insurance: 24.40% (new entrepreneurs 19.03% for the first 48 months)
• YEL work income lower limit: €9,423.09/year
• Health insurance for entrepreneurs: about 2.11%

Data Sources

Tax and insurance contribution rates are based on the following official sources:

• Finnish Tax Administration – state and municipal taxation rates, tax withholding, tax cards.
• Kela – health insurance, sickness allowance, parental allowances, YEL lower limit.
• Employment Fund – unemployment insurance contributions.
• Pension companies (Varma, Ilmarinen, Elo, Veritas) – TyEL and YEL rates.
• OAJ – teachers' OVTES tables.
• Municipalities – municipal and parish taxes.
• Taxpayers Association of Finland – employee taxation reports and comparisons.

Privacy and Security

We do not store your salary information anywhere. All calculations happen directly in your browser (client-side), and the numbers you enter are not sent to a server or to third parties. When you close the tab, the data disappears. We use HTTPS encrypted connection and comply with GDPR. Read more in our privacy policy.

Who Are the Calculators Intended For?

• Employees – compare job offers, calculate the impact of a pay raise, check your payslip.
• Job seekers – calculate the net impact of a gross salary quoted in an interview.
• Employers and HR – estimate an employee's total cost for creating a recruitment budget.
• Entrepreneurs – plan YEL work income and estimate take-home income.
• Light entrepreneurs – calculate the relationship between invoicing and take-home pay.
• Teachers – check the net impact of the OVTES base salary.
• Students – net earnings from summer and part-time work.
• Those planning to move – compare the effect of different municipalities on net salary.

Payroll System Changes – Why Check the Calculator Annually

Finland's payroll system changes constantly. The Tax Administration updates the state income tax scales annually, municipalities decide on the following year's tax rates in autumn, and pension companies agree on TyEL percentages with labour market organisations. Significant changes have occurred between 2020 and 2025:

• The employee's TyEL share has fallen from 7.65% to 7.15%.
• Unemployment insurance has fallen significantly from 1.5% to 0.89%.
• The health insurance total share has grown from 1.53% to 1.90% (daily allowance contribution returned in 2023).
• Municipal tax percentages changed radically in the social welfare reform of 2023 – all municipalities cut their percentages by about 12.5 percentage points.
• The YEL work income lower limit rose from €8,261 to over €9,400 in 2024, and continues to rise with the index.

These changes mean that net salaries calculated with old data are easily hundreds of euros off. MyPalkkalaskuri.com automatically updates data annually, so you can trust that you always get a current estimate.

Our Calculators

• Employee salary calculator – for basic use by all wage earners.
• Hourly salary calculator – from hourly wage to monthly and net.
• Gross-net calculator – two-way calculation.
• Employer cost calculator – side costs and total cost.
• Entrepreneur salary calculator – YEL contribution and net income.
• Light entrepreneur calculator – from invoicing to net.
• Teacher salary calculator – from OVTES base salary to net.

Contact Us

Questions about using the calculator? Found an error? Ideas for new features? We'd love to hear from you. See contact information or email directly at [email protected]. We respond to all inquiries within 1–3 business days.

Liability and Disclaimer

MyPalkkalaskuri.com is intended as an advisory tool. The calculator's results are estimates based on 2026 tax and insurance contribution rates, and are based on the best available information. However, we don't guarantee complete accuracy of the calculation in all individual situations, because wage income can be affected by several personal factors that the calculator doesn't ask about: mortgage interest, commuting costs, child deductions, union fees, and other deductions. A more accurate estimate can be obtained from the Tax Administration's OmaVero service via your personal tax card. See also our terms of service.