What is the withholding rate?

The withholding rate is the percentage printed on your Finnish tax card. It tells your employer how large a share of your salary to withhold as advance tax and pay to the Finnish Tax Administration. The Tax Administration calculates the rate from your estimated annual income and deductions so that the tax paid in advance matches the final tax as closely as possible.

Where do I order a new tax card?

The easiest way is the MyTax (OmaVero) service at vero.fi. There you can change your income ceiling and rate, and the new card is usually sent electronically straight to your employer. You can also order a tax card by phone or at a Tax Administration office.

When should I update my tax card?

Whenever your income changes clearly: a pay rise, a new job, a layoff, part-time work or new side income. New tax cards take effect in January, so the turn of the year is a natural moment to check your rate. The earlier in the year you update the card, the more evenly the withholding is spread over the remaining months.

What is the additional rate?

The additional rate is the second, higher percentage on the tax card. It is applied only to the part of your income that exceeds the income ceiling stated on the card. In practice it corresponds to your marginal tax rate, i.e. the tax taken from each extra euro. This calculator estimates it by computing the taxes on a monthly salary that is 100 euros higher and comparing the difference.

Why can the estimate differ from my actual tax card rate?

The calculator uses the general 2026 tax parameters and automatic deductions, such as the 750 euro deduction for work-related expenses and the earned income tax credit. The rate calculated by the Tax Administration also takes into account your personal deductions, such as commuting expenses or the household expenses credit, and your other income. Your own rate can therefore be lower or higher — you can see the exact rate in MyTax.

Tax Card Calculator

Estimate which withholding rate to put on your Finnish tax card in 2026. Enter your gross salary and your municipality's tax rate — you instantly see a suitable rate for the tax card and an estimate of the additional rate.

Gross salary: 3 000 €/month

€

Municipal tax rate: 7,57 %

2026 average: 7.57% — e.g. Helsinki 5.30%

Church tax (1.4%)

20,0 %

Estimated withholding rate for your tax card

Rounded up to the nearest 0.5 percentage points — it is better to set the tax card rate slightly too high than too low, so you avoid back taxes.

Tax rate (exact)	19,9 %
Additional rate (estimate)	42,5 %
Net salary / month	2 402,15 €
Annual income (gross)	36 000 €

The additional rate is applied to income that exceeds the income ceiling of your tax card.

For a detailed euro-by-euro breakdown of taxes and contributions, see the net salary calculator.

Note: The calculator gives an indicative estimate based on the 2026 tax parameters. Personal deductions, such as commuting expenses or the household expenses credit, can change the rate. Check your own rate in MyTax (vero.fi).

How your tax rate is built in 2026

An employee's tax rate in Finland consists of several parts. Mandatory employee contributions are taken from the gross salary first: the employee pension contribution (TyEL) of 7.30 % and the unemployment insurance contribution of 0.89 %. On top of these come the health insurance daily allowance contribution of 0.88 %, when annual income is at least €17,255, and the medical care contribution of 1.10 %. The largest actual taxes are the municipal tax — on average 7.57 % in 2026, 5.30 % in Helsinki — and the progressive state income tax, whose marginal rate starts at 12.64 % and rises to 37.50 % for annual income above €52,100. Church members also pay church tax.

Automatic deductions lower the rate, such as the €750 deduction for work-related expenses and the earned income tax credit, which in 2026 is at most €3,430. The calculator takes all of these into account and tells you which withholding rate corresponds to your gross salary. For a euro-by-euro breakdown of the taxes and contributions, see the net salary calculator.

When and how to update the tax card in MyTax (OmaVero)

New tax cards take effect in January, and the Tax Administration calculates their rate from earlier income data. If your income has changed — a pay rise, a new job, a layoff or new side income — the old rate may no longer match reality. In that case it pays to update the tax card right away, so that the withholding hits the right level and you avoid back taxes or an unnecessarily large withholding in the spring.

The easiest way to order a new tax card is the MyTax (OmaVero) service at vero.fi. You need an estimate of your gross income for the whole year, plus the salaries already paid and the tax already withheld — you can find these on your payslip. The new card is usually transferred electronically straight to your employer. You can use this calculator's estimate as a starting point when deciding which rate to put on the card.

Basic rate and additional rate explained

A Finnish tax card has two percentages. The basic rate is applied to income up to the income ceiling stated on the card — the employer withholds tax from every salary according to it. The additional rate is higher, and it is used only for the part of your income that exceeds the ceiling. This keeps the taxation at the right level even if you earn more during the year than estimated.

In practice the additional rate corresponds to your marginal tax rate: how many percent of every extra euro goes to taxes and contributions. This calculator estimates the additional rate by computing the taxes on a monthly salary €100 higher and comparing the difference to your current one. If your income repeatedly exceeds the ceiling, it is worth updating the whole tax card in MyTax — then the basic rate also settles at the right level and a large part of your salary is not taxed at the higher additional rate.

Sources

Finnish Tax Administration (vero.fi) — basis for calculating tax withholding and the MyTax service
Työeläke.fi — TyEL employee pension contributions 2026