Gross-Net Calculator 2026
Calculate net pay from gross, or find the gross salary needed to reach a target net. Choose the direction with the buttons at the top.
The calculator gives an estimate based on 2026 tax data. Verify the final amount with your employer.
How the Gross-Net Calculator Works
Our calculator works in both directions:
- Gross → Net: From the gross salary, the calculator deducts TyEL 7.15%, unemployment insurance 0.89%, health insurance (medical care 1.06% + daily allowance 0.84%), and income tax withholding covering state and municipal income tax, plus optionally church tax and Yle tax.
- Net → Gross: When you know the desired take-home pay (e.g. a net figure quoted in a job interview), the calculator iteratively finds the gross salary that leaves exactly the desired net. This is particularly useful in salary negotiations and when evaluating job offers.
All calculations happen in real time in your browser – we don't store any salary data. Results update instantly when you change municipality or add church tax.
What Do Gross and Net Salary Consist of in 2026?
Gross salary is the pay before deductions – the amount stated in the employment contract. Gross salary also includes any paid allowances and compensation, such as evening, weekend and shift work premiums, plus one-off bonuses. Statutory contributions and holiday pay are calculated from the gross salary.
Net salary is the amount that reaches your account on payday. It's obtained by deducting from the gross salary:
- Earnings-related pension contribution (TyEL) 7.15% under age 53, 8.65% for ages 53–62.
- Unemployment insurance contribution 0.89% of salary.
- Medical care contribution 1.06% and daily allowance contribution 0.84% (total 1.90%).
- Tax withholding, which comprises the state progressive income tax and municipal tax (4.7–10.9% depending on the municipality).
- Church tax 1.00–2.10% only for church members.
- Yle tax at 2.5% on the portion of annual income above €14,000, up to €163/year.
After these deductions, what remains is the net salary. The effective total burden at typical salary levels is 20–35%.
Two-Way Calculation – When Do You Need Each?
Gross → Net
Practical situations:
- A gross salary was mentioned in a job interview and you want to know the take-home amount.
- A new payslip needs checking: was the withholding correct?
- Comparing two offers – one in Helsinki, another in Tampere at the same gross salary but different municipal tax.
- A pay raise – enter the new gross and see how much more lands in your account.
Net → Gross
Practical situations:
- You know how much you need per month for living (e.g. €2,200) and want to know what gross salary covers it.
- Negotiating freelance work and want to quote the employer a gross that ensures you a specific net.
- Planning a move to a new municipality and want to maintain the same net salary – the calculator tells you what the gross needs to be.
- Comparing two job offers: one quoted gross, one net. Converting to a common measure is essential.
What Affects Gross Salary
Gross salary isn't just the contract base pay – several salary components can be added:
- Base salary – the monthly compensation agreed in the employment contract.
- Experience allowance – tiered according to years of service under the TES.
- Shift premiums – evening, night, Saturday, Sunday; compensation of 15–100% for afternoon-shift hours.
- Complexity allowances – supervisor duties, language skills, special expertise.
- Performance bonuses and commissions – common in sales and production.
- Bonus schemes – rewards tied to annual results.
- Fringe benefits – car, phone, meal and housing benefits are taxable additions to gross salary.
All of the above increase taxable income, so they should be included in the gross field if you want an accurate net estimate.
Salary Negotiation: Should You Talk Gross or Net?
In Finnish working life, salary negotiations are almost always conducted at the gross level, because net salary depends on many personal factors (municipality, church membership, age, deductions). The employment contract therefore always states the gross salary. Net salary is for the employee to estimate.
In international offers, the practice can differ – for example, in a foreign company the employee may not know the Finnish tax system and negotiations may be conducted on a net basis ("take-home pay"). In that case, tax compensation is added to the gross salary so that the net matches the agreement. Even then, the employment contract will ultimately state the gross salary.
If you become an entrepreneur or light entrepreneur, instead of salary the term is work income and YEL work income. Then gross-net calculation no longer applies directly – see our entrepreneur salary calculator and light entrepreneur calculator.
Comparison: How Does Municipality Affect €3,000 Gross?
The same €3,000 gross salary produces different net pay in different municipalities using 2026 municipal tax rates:
- Kauniainen (4.7%): about €2,320/month net
- Helsinki (5.3%): about €2,305/month net
- Espoo (5.3%): about €2,305/month net
- Tampere (7.6%): about €2,250/month net
- Kolari (10.5%): about €2,180/month net
The difference between a high-tax municipality (Kolari 10.5%) and a low-tax municipality (Kauniainen 4.7%) can exceed €140 per month at the same gross salary – nearly €1,700 per year. When considering a move, tax treatment as well as housing costs should be factored in.
Frequently Asked Questions
What's the difference between gross and net salary?
Gross salary is the pay before deductions – the amount in the employment contract. Net salary is what's left after taxes and statutory contributions. Typically, net salary is 65–80% of gross depending on municipality, age and any allowances.
Can I calculate the required gross salary?
Yes. Select "Net → Gross", enter the desired net salary, and the calculator iteratively finds the corresponding gross. This is very useful in salary negotiations.
Does the calculator include state income tax?
Yes, the calculator includes the state progressive tax scale for 2026 plus municipal tax and all statutory contributions. The result is an estimate and doesn't replace an official calculation in the OmaVero service.
Why does net vary even when gross is the same?
Net salary is affected by municipality (municipal tax 4.7–10.9%), age (TyEL 7.15% vs. 8.65% for those over 53), church membership, and personal deductions on the tax card (e.g. mortgage interest, commuting, union fees).
Can I use the calculator for pension income too?
Pension taxation differs from wage taxation – the pension tax card percentage is different, and TyEL or unemployment insurance are not withheld from pensions. Use the Tax Administration's pension calculator for pension calculations.
How accurate is the net → gross calculation?
The calculator uses an iterative method with accuracy typically within €1 of the desired net. In practice, the final gross may vary depending on personal deductions.
Why does the calculator result differ from my payslip?
Your payslip may include personal deductions (union fees, fringe benefits, others) that the calculator doesn't ask for. In addition, the tax card withholding percentage may differ from the calculator's default if it accounts for side income or other deductions.
How does the holiday bonus affect the gross-net ratio?
The holiday bonus (usually 50% of holiday pay) is taxable wage income like normal salary. For the month when the holiday bonus is paid, withholding may appear larger – especially if the tax card income limit is exceeded. On an annual basis, however, the holiday bonus simply adds to gross earnings, and final taxation is settled in the year-end tax calculation.
Is the calculator intended for stock options or bonuses?
A one-off bonus or stock option is taxable wage income and the same principles apply as to base salary. A large lump sum may however hit a high marginal tax rate (over 50%) due to the state progressive scale. It's recommended to run a separate calculation for the bonus month accounting for the tax card income limit.
How are the updated tax rates kept current?
The tax calculation core behind the calculator is updated at every year-end according to the Tax Administration's new rates. Municipal tax percentages are checked annually, and all changes become immediately available to all calculators.