Salary calculator · Employers
How much does an employee really cost?
Employer cost calculator with 2026 Finnish rates. Enter the gross salary — see employer-side contributions, total cost and the employee's net take-home pay instantly.
Employee calculator
Calculate the employee's net salary — what's left after taxes and mandatory contributions.
About side costs
What are employer-side contributions?
On top of the gross salary, Finnish employers pay mandatory side costs that add roughly 20% to the total employment cost. The largest item is the TyEL pension contribution (17.10% in 2026), which funds the earnings-related pension system.
Other mandatory contributions include the employer's health insurance contribution, known as sotu (1.91%), accident insurance (0.70% average, varies by industry), unemployment insurance (0.31% or 1.23% for large employers) and group life insurance (0.06%).
This calculator shows all mandatory employer contributions and also computes the employee's net salary, so you can see how much of the total cost reaches the employee's bank account.
FAQ
Frequently asked questions
How much are employer side costs in Finland 2026?
Mandatory employer contributions total roughly 20% on top of the gross salary in 2026. The largest item is TyEL pension at 17.10%. The second largest is sotu (health insurance) at 1.91%. Accident insurance varies by industry from 0.1% to 8%.
What's the difference between small and large employers?
Large employers (annual payroll above €2,509,500) pay 1.23% unemployment insurance, while small employers pay 0.31%. All other contributions are the same.
Does the calculator include employee taxes?
Yes. The calculator shows both employer-side contributions and employee taxes and deductions. You see the total cost, gross salary and net salary in the same view.
How is the accident insurance rate determined?
The accident insurance rate depends on the industry and the company's claims history. Office work is typically 0.1–0.3%, construction can be 4–8%. The calculator defaults to 0.70%, the national average across all industries.