Finnish Self-Employed Tax Calculator

Estimate your taxes, YEL & social contributions

Your Details

Yes, first 4 years (22% YEL discount)

* Enter your self-employed profit (income - expenses). The YEL contribution is calculated on your profit as YEL income. All figures are estimates for planning purposes.

Summary

Total Tax & Contributions

€[[ formatNumber(totalTax) ]]

After-Tax Income

€[[ formatNumber(afterTaxIncome) ]]

Effective Tax Rate

[[ effectiveRate ]]%

Detailed Breakdown

YEL Pension Insurance

Self-employed pension (24.4% of YEL income [[ isNewEntrepreneur ? '(22% discount)' : '' ]])

€[[ formatNumber(yelContribution) ]]

State Income Tax

Progressive brackets (12.64% - 44.25%)

€[[ formatNumber(stateTax) ]]

Municipal Tax

[[ currentMunicipality.name ]] ([[ currentMunicipality.rate ]]%)

€[[ formatNumber(municipalTax) ]]

Health Insurance (Sairausvakuutus)

Employee contribution 1.5% + 0.49% daily allowance

€[[ formatNumber(healthInsurance) ]]

Unemployment Insurance

0.89% of income

€[[ formatNumber(unemploymentInsurance) ]]

Church Tax

1-2% (if member)

€[[ formatNumber(churchTax) ]]

State Tax Brackets

€[[ formatNumber(bracket.min) ]] - €[[ bracket.max ? formatNumber(bracket.max) : '∞' ]]
[[ bracket.rate ]]%
€[[ formatNumber(bracket.tax) ]]

Important Notes

  • • YEL is mandatory if you're self-employed. The contribution is 24.4% in 2026 (19.03% with discount for new entrepreneurs).
  • • All YEL contributions are tax-deductible as business expenses.
  • • The tax calculation includes the basic deduction (~€3,200/year) which reduces taxes for low incomes.
  • • Municipal tax rates vary by municipality. This calculator uses 2026 rates.
  • • This is an estimate only. Final taxes may vary based on deductions, credits, and your specific situation.

Based on 2026 tax rates. Data sourced from Vero.fi, Ilmarinen, Kela, and municipal sources.