Finnish earnings-related unemployment allowance calculator
Enter your average gross salary, work history and age to see the allowance, its step-downs and how long it lasts.
Checked by Radif Partners · Editorial policy · Calculation method
In 2026 an employee who earned €3,000 a month gets an earnings-related unemployment allowance (ansiosidonnainen päiväraha) of €80.85 a day, about €1,738 a month before tax. It has a basic part of €37.21 a day plus an earnings part of 45 % of the difference between your daily wage and the basic part; above the break point of €3,534.95 a month, the earnings part drops to 20 %. The daily wage is your salary minus 3.83 %, divided by 21.5. The allowance steps down to 80 % after 40 paid days and to 75 % after 170, but never below the basic part. There is a 7-day waiting period, and it is paid for 5 days a week. You must be a member of an unemployment fund (työttömyyskassa) and meet the employment condition; otherwise Kela pays the general support (yleistuki). The calculator follows the method of TYJ, the unemployment funds’ joint body, and matches its 2026 table to the euro.
Earnings-related allowance per month, gross
€1,738
€80.85 per day, 5 days a week · yleistuki would be €800
| Daily wage (−3.83%, ÷ 21.5) | €134.19 |
|---|---|
| Full allowance, first 40 days | €80.85/day · €1,738 |
| 80% from day 41 | €64.68 · €1,391 |
| 75% from day 171 | €60.64 · €1,304 |
| Maximum duration | 400 days |
| Net at first, withholding 25.0% | €1,304 |
Your fund calculates the exact amount from your wage data. 7-day waiting period. Calculation method
The calculator against TYJ’s 2026 table
The calculator follows TYJ’s published method. Below, its result sits next to TYJ’s 2026 allowance table, with the stepped-down monthly amounts. On a low salary the 90% cap on the daily wage limits the allowance, and the stepped amounts bottom out at the basic part, €800.02.
| Salary/month | Full (calculator) | Full (TYJ) | 80% | 75% |
|---|---|---|---|---|
| €1,000 | €866 | €866 | €800 | €800 |
| €1,300 | €1,003 | €1,003 | €802 | €800 |
| €1,500 | €1,089 | €1,089 | €871 | €817 |
| €2,000 | €1,306 | €1,306 | €1,044 | €979 |
| €2,500 | €1,522 | €1,522 | €1,218 | €1,141 |
| €3,000 | €1,738 | €1,738 | €1,391 | €1,304 |
| €3,676 | €2,031 | €2,031 | €1,625 | €1,523 |
| €4,000 | €2,093 | €2,093 | €1,674 | €1,570 |
| €5,000 | €2,285 | €2,285 | €1,828 | €1,714 |
| €10,000 | €3,247 | €3,247 | €2,598 | €2,435 |
The formula step by step
- Daily wage: gross pay over the qualifying months, excluding holiday bonus and holiday compensation, minus 3.83%, divided by 21.5 working days per month. On €3,000 that is €134.19.
- Basic part: €37.21 a day for everyone.
- Earnings part: 45% of the daily wage above the basic part; 20% on pay above the €3,534.95 monthly break point.
- Cap: at most 90% of the daily wage, but never less than the basic part.
- Monthly figure: daily allowance × 21.5.
The break point is why high earners see a modest allowance: on €5,000 the full allowance is €2,285 a month, less than half the salary. The formula has no child increases.
Who qualifies
- Fund membership: the allowance is paid by your unemployment fund to its members. Membership fees are deductible in your taxation.
- Employment condition (työssäoloehto): 12 months of work, where a month counts in full with at least €930 of pay and as a half month with €465. See the employment condition page.
- Waiting period: 7 unpaid days at the start.
- Duration: 300, 400 or 500 days; covered on duration and step-down.
The tool does not model the adjusted allowance for part-time work or other benefits. Your fund calculates the exact amount from Incomes Register wage data. The rules are in the Unemployment Security Act and the step-down on TYJ’s step-down page. Without a fund you get yleistuki. Pension keeps accruing while you receive the allowance; see the pension calculator.