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, public transport, trains, road conditions and road cameras, electricity, weather warnings, what to wear, northern lights, sunrise and sunset, public holidays and the clock change.
The figures follow the Finnish authorities' own sources (Vero, Kela, Traficom, Fintraffic, the Finnish Meteorological Institute) 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.
- Household Tax Credit Calculator Calculate the Finnish tax credit for household expenses (kotitalousvähennys) on renovation, cleaning or other home services: 40% and up to €2,100 in 2026 and 2027.
Kela and students
- Student Financial Aid Calculator Estimate Kela's financial aid for students: study grant, housing supplement and your annual income limit for the academic year 2026–2027.
- Student Loan Calculator Monthly payment, interest and Kela's student loan compensation (opintolainahyvitys): up to €6,200 back if you graduate within the target time.
Cars
Getting around
- Route Planner Plan a public transport trip anywhere in Finland: Helsinki (HSL), Turku (Föli), Tampere and trains between cities, with real-time departures and a map.
- Route Map Pick your start and destination on the map and see the public transport route drawn leg by leg: buses, trams, metro, trains and ferries anywhere in Finland.
- Road Conditions Finland Driving conditions on Finnish main roads now and up to 12 hours ahead: the FMI forecast on a map, road weather stations and road cameras.
- Road Cameras Finland Fintraffic's road weather cameras across Finland: the nearest camera first, all its views, a 24-hour image timeline and the nearest road weather station.
- Train Traffic Real-time departures and arrivals at any Finnish railway station, delays, tracks and live train tracking on a map. Data from Fintraffic.
Live data
- Electricity Spot Price The exchange electricity price (pörssisähkö) in Finland now, today and tomorrow, with VAT. Find the cheapest hours for laundry, sauna or EV charging.
- Aurora Forecast Can you see the northern lights now? The Finnish Meteorological Institute's R index from the nearest station, cloud cover, darkness and a three-night outlook.
- What to Wear in Finland What to wear in Finland right now: the measured temperature, feels-like, wind and rain turned into clothing advice for head, body, legs and feet in any town.
- Weather Warnings Finland The Finnish Meteorological Institute's current weather warnings for your place and on a map: wind, traffic weather, pedestrian weather, rain, thunderstorms, wildfire, cold and sea areas for the next five days.
- Power System Now Electricity consumption and production by type in Finland right now, imports and exports, emissions and grid frequency from Fingrid's real-time measurements.
Calendar and daylight
- Clock Change in Finland Finland's clocks go back one hour on Sunday 25 October 2026 at 04:00. See the next clock change, summer time dates to 2030 and how sunset moves in your town.
- Sunrise and Sunset in Finland Sunrise, sunset and day length anywhere in Finland, with twilight, golden hour and blue hour, and the polar night and midnight sun in Lapland.
- 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.