Net salary in Finland 2026, by municipality

Why your municipality changes your take-home pay

Since the 2023 wellbeing services reform, Finnish municipalities levy only part of their former tax, yet the differences between them remain. In 2026 the lowest rate is 4.70% in Kauniainen (Grankulla), a small town next to Espoo, and the highest on the mainland is 10.90% in Pomarkku. A gap of six points sounds modest until you remember it applies to almost all of your taxable income: on €3,500 a month it is €2,097 a year.

State income tax, by contrast, is identical everywhere and starts at 12.64% from the first euro. For low and middle incomes the earned income tax credit (työtulovähennys) wipes out most of it: 18% of your pay, at most €3,430, shrinking only once net earned income passes €35,000. That is why municipal tax is the largest single tax for many employees, and why calculators using a national average can be off by a hundred euros a month.

If you are comparing job offers in Helsinki, Espoo and Tampere, or deciding which side of a municipal border to rent on, use the municipality list below or the full municipality comparison. Vero applies the rate of your home municipality for the tax year to the whole year’s income.

What changed for 2026

The state scale has five brackets with thresholds at €22,000, €32,600, €40,100 and €52,100, and a top marginal rate of 37.50%. The earned income credit rose to €3,430 and now stops shrinking at €50,550 of net income, so even high earners keep part of it.

The employee pension contribution is a flat 7.30% for all ages: the higher 2025 rate for people aged 53 to 62 is gone. Unemployment insurance is 0.89%. The 0.88% daily allowance contribution applies once annual earnings reach €17,255.

Beyond salary: pension, Kela and deductions

The same tax engine handles pensions and benefits. The pension calculator estimates your earnings-related pension with the retirement age for your year of birth and the life expectancy coefficient, adds Kela’s national and guarantee pensions where they apply, and shows the net amount after your municipality’s tax. The housing allowance calculator tells you which Kela municipality group you fall in. The unemployment allowance calculator shows the step-downs, and the household tax credit calculator compares current law with the government proposal.

All calculators run in your browser; the salary you type never leaves it. The source of every figure is listed on the calculation method page, and the about page explains who publishes the site.