Free tools for life in Finland

Ratkaisija is a Finnish site with hundreds of free tools. These ones are about living and working in Finland, so they are also in English: taxes and take-home pay, Kela student financial aid, car tax, VAT, electricity prices and trains.

The figures follow the Finnish authorities' own sources (Vero, Kela, Traficom, Fintraffic) and are updated for 2026. Finnish names are given in brackets, so you can match them to the letters and forms you get.

Taxes and pay

Income Tax Calculator Calculate your take-home pay and marginal tax rate in Finland for 2026: state income tax, municipal tax, Yle tax and employee contributions.
Salary Converter Convert an hourly wage to monthly and annual pay in Finland and back, with an estimate of take-home pay under 2026 taxes.
Toiminimi Tax Calculator How much do you keep as a self-employed person (toiminimi) in Finland? Taxes, YEL contribution and take-home pay with the 2026 tax bases.
Side Income Tax Calculator How much of your side income do you keep in Finland? Second job, light entrepreneur, toiminimi or rental income, taxed on top of your main job in 2026.
Dividend Tax Calculator Calculate the tax on dividends in Finland for 2026, from listed companies and from your own unlisted company (8% of the mathematical value).
VAT Calculator Add or remove Finnish VAT (ALV): 25.5% standard rate, 13.5% for food and restaurants, 10% for newspapers. Older 24% and 14% rates for old receipts.

Kela and students

Cars

Car Tax Calculator Calculate Finnish car tax (autovero) on a new car from its CO2 emissions with the Tax Administration's table 1A. Fully electric cars: 0%.

Live data

Calendar

Finnish Public Holidays All Finnish public holidays with dates, the next holiday and how to turn them into long weekends with as few days of annual leave as possible.

No sign-up, nothing to install. Found an error? Write to info@ratkaisija.fi.