Finnish parental allowance calculator 2026
Enter your monthly salary and yearly holiday bonus to estimate your parental allowance per working day, per month and for your whole quota.
Checked by Radif Partners · Editorial policy · Calculation method
In 2026 Kela’s parental allowance (vanhempainraha) is 70 % of your annual income divided by 300, when that income, after a deduction for insurance contributions, is between €13,712 and €45,744: on a €3,000 monthly salary with a €1,500 holiday bonus you get about €79.56 per working day, roughly €1,989 a month. Kela first takes 9.07 % off your wages. Income above €45,744 is replaced at 40 % and above €70,379 at 25 %, so high earners see a much lower replacement rate. The minimum is €31.99 a day. The first 16 working days of parental allowance are paid at a raised rate of up to 90 % of income, and so is the pregnancy allowance (raskausraha) for 40 working days. The allowance is paid for 6 working days a week; each child brings 320 days, 160 for each parent, of which 63 can be transferred to the other. The calculator also totals your own quota: about €13,093 before tax in this example.
Estimated parental allowance per month
€2,122
€84.87 per working day, 6 days a week (25 days/month)
| Annual income (12 months + holiday bonus) | €40,000 |
|---|---|
| Insurance contribution deduction 9.07% | − €3,628 |
| Raised allowance (first 16 working days) | €109.12 |
| Parental allowance per working day | €84.87 |
| Own quota of 160 working days in total | €13,967 |
Taxable income. Kela decides from the Incomes Register data. Calculation method
Parental allowance by annual income
The table shows the allowance by gross annual income, meaning salary plus holiday bonus before tax; the calculator applies the 9.07% insurance deduction itself. A month is estimated at 25 working days. Your own quota is 160 days, 16 of them at the raised rate.
| Annual income (gross) | Raised/day | Allowance/day | Month | Own quota total |
|---|---|---|---|---|
| €20,000 | €54.56 | €42.43 | €1,061 | €6,983 |
| €30,000 | €81.84 | €63.65 | €1,591 | €10,475 |
| €40,000 | €109.12 | €84.87 | €2,122 | €13,967 |
| €50,000 | €136.40 | €106.09 | €2,652 | €17,459 |
| €60,000 | €163.67 | €118.49 | €2,962 | €19,681 |
| €80,000 | €213.70 | €141.55 | €3,539 | €23,802 |
| €100,000 | €233.40 | €156.71 | €3,918 | €26,301 |
The replacement rate falls as income rises. On €30,000 a year the allowance replaces about 64% of pay; on €100,000, only 47%. In gross terms the bends sit at about €50,307 and €77,399 a year.
Kela’s 2026 formula
| Annual income after deduction | Allowance per working day |
|---|---|
| up to €13,712 | €31.99 |
| €13,712–€45,744 | 0.7 × income / 300 |
| €45,744–€70,379 | 106.74 + 0.4 × (income − €45,744) / 300 |
| over €70,379 | 139.58 + 0.25 × (income − €70,379) / 300 |
Kela looks at the previous 12 calendar months, leaving one calendar month between that period and the start of the allowance. Holiday bonus counts as income. In Kela’s own annual income example, €31,125 gives about €66 per working day; the calculator gives €66.04. The formula and limits are on Kela’s annual income and formulas page.
Days and how to share them
- Pregnancy allowance for 40 working days at the raised rate before the due date.
- Parental allowance for 320 working days per child, 160 per parent.
- Transfer: up to 63 working days of your quota to the other parent.
- Paid days: 6 working days a week, Monday to Saturday.
The calculator ignores self-employed YEL income, on which no insurance deduction is made, and periods when your employer pays salary during leave. Kela decides from Incomes Register data; more on Kela’s parental leave page. You can check your holiday bonus with the holiday bonus calculator and family housing support with the housing allowance calculator. For take-home pay on a salary, see net pay from €3,000.