Side income tax calculator 2026 – how much do you keep?
Calculate how much you keep from a second job, light entrepreneurship (kevytyrittäjyys), your own business (toiminimi) or rental income when it is taxed on top of your main salary with the 2026 tax bases.
Side income is taxed on top of your main income, so its tax depends on your marginal rate. The calculator compares the taxes on your main salary alone with the taxes on all your income. A wage from a second job also has pension and unemployment insurance contributions withheld. A light entrepreneur pays the invoicing service fee and the YEL contribution when YEL earned income is at least €9,423.09 a year and the work lasts over four months. A toiminimi gets the 5% entrepreneur deduction. Rental income is capital income (30%).
How much do you keep from €500 a month of side income?
On top of a €40,000 annual salary, €500 a month of light entrepreneur income leaves about €280 a month when the service fee is 4%. The same amount as a wage from a second job leaves about €266, because pension and unemployment insurance contributions are also withheld. €700 a month of rent with €2,400 of annual expenses leaves about €350 a month. Sources: Finnish Tax Administration and the Finnish Centre for Pensions, 2026.
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Tax year 2026. Estimate without other income or deductions.
Ratkaisija is a Finnish site with free tools. All tools in English
All tools in English →All the options assume the side income comes on top of a main job whose salary you enter.
Get a separate tax card for the second job or the invoicing service in MyTax (OmaVero) so that the withholding is right. Hobby income is taxable too.
A self-employed person must register for VAT when turnover exceeds €20,000 a year. Enter the amount without VAT.