Salary calculator · Pay rise 2026
What is left of a pay rise after tax?
A gross rise is not the figure that reaches your account. Finnish income tax is progressive, so the raise is taxed at your marginal rate and a 2,9 % rise lifts net pay by considerably less than 2,9 %. Enter your current gross salary and the percentage to see what actually stays in hand.
Why the raise shrinks
The marginal rate takes a larger bite than people expect
Finnish earned-income tax is progressive: every additional euro is taxed harder than your salary on average. A pay rise should therefore be judged against your marginal tax rate — what the next euro earned is taxed at — rather than your overall tax percentage.
In practice, on a 3 500 € monthly salary a 2,9 % general rise adds roughly 102 € gross but about 57 € net. The difference goes to state income tax, municipal tax and the TyEL, unemployment and daily-allowance contributions. The share you keep shrinks as the salary grows.
The calculator runs on the same engine as the main salary calculator: the confirmed 2026 tax tables and the municipal tax rate of the municipality you pick. Treat the figure as an estimate — deductions, secondary income and your tax card also shape the final outcome.
FAQ
Frequently asked about pay rises
- How much of a 2,9 % rise is left after tax?
- A little over half. On a 3 500 € monthly salary a 2,9 % rise is about 102 € gross and about 57 € net, so roughly 56 % of the raise stays in hand. That share falls as pay rises, because the marginal tax rate climbs at higher income levels.
- When did the 2026 construction pay rise take effect?
- Construction wages rose by a 2,9 % general increase from 1 June 2026, or from the start of the pay period beginning nearest after it. The same increase applies to table wages, contracts already under way, agreement-specific contract prices and monetary allowances. The agreement runs 1 March 2025 to 29 February 2028.
- Does a pay rise push up my tax percentage?
- Yes, somewhat. The rise lifts annual income, so a larger share falls into a higher bracket and the average tax percentage goes up. A tax card does not update by itself, so it is worth checking the withholding rate in OmaVero after a rise to avoid accruing residual tax.
- What happened to transport-sector pay in 2026?
- AKT truck-sector wages rose by a 2,9 % general increase from 1 June 2026, or from the start of the pay period beginning nearest after it - the same percentage as construction. The agreement's daily allowances are adjusted separately during 2026 and 2027.
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