Finnish household tax credit calculator 2026 (kotitalousvähennys)
Calculate how much you get back in tax when you pay a company to work in your home or holiday home: renovation, cleaning, garden work or childcare. Enter the labour share of the year's invoices and you see the credit, what the work costs you after it and how much more work fits under the cap.
In 2026 and 2027 the tax credit for household expenses (kotitalousvähennys) is 40% of the labour share of a company's invoice, VAT included, and at most €2,100 per person. Each person has a €150 deductible (omavastuu) once a year. The calculator also handles a spouse, wages paid to a worker you hire yourself (15% of the wages plus employer contributions) and the higher credit for replacing oil heating. You can also choose the 2025 rules if you paid the invoice then.
How much is the household tax credit in Finland in 2026?
If the labour share is €5,000, the credit is 40% or €2,000 minus the €150 deductible: €1,850. You get the full €2,100 when the labour share is €5,625. For a bathroom renovation with €8,000 of labour, the credit is €2,100; with a spouse you get €2,900 together, because the excess moves to the spouse after his or her own deductible. The increase was passed by Parliament in September 2026 and applies to work paid from 1 January 2026. Sources: Finnish Tax Administration (vero.fi) and the act amending the Income Tax Act (EV 122/2026).
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Calculated with the tool's own code using the 2026 rules.
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All tools in English →Credit = percentage × labour cost − €150 deductible, capped per person. The deductible is taken once a year.
- 2025: 35% of the labour cost from a company, 13% of wages plus employer contributions, at most €1,600 per person.
- 2026 and 2027: 40% of the labour cost from a company, 15% of wages plus employer contributions, at most €2,100 per person.
- Replacing oil heating: 60% of the labour cost, at most €3,500 in total, of which other work at most the normal cap.
- Only the labour share counts, with VAT. Materials and travel do not.
- The company must be in the prepayment register (ennakkoperintärekisteri) when you make the contract.
- The work is done in your own home or holiday home, or in your parents' or grandparents' home. Not in a flat you rent out and not in new construction.
- Carer's allowance, child home care allowance, a service voucher, a repair grant or pay subsidy for the same work prevents the credit.
The credit is personal. If it is more than your cap, the Tax Administration moves the excess to your spouse, who also pays a €150 deductible. If you each claim half, both of you pay the deductible, so for small amounts it is better that one of you claims it all.