Did net pay rise in 2026?

Yes, net pay rose slightly for most people in 2026. The age-based tier in the pension contribution was removed and the health insurance daily allowance contribution fell, which left more in hand. A small rise in the unemployment insurance contribution offset part of the gain. For people under 53 the change is a few euros a month; for those aged 53–62 it is clearly more.

Why did the TyEL contribution change?

The age-based tier in the earnings-related pension (TyEL) contribution was removed at the start of 2026. Before, people aged 53–62 paid a higher rate of 8.65% and everyone else paid 7.15%. Now all wage earners pay the same 7.30% regardless of age. The change lightens the contribution most for people aged 53–62.

How much of a €3,000 monthly salary is left after tax in 2026?

About €2,434 a month is left from a €3,000 salary in Helsinki, if you are under 53 and no church tax applies. The amount is after pension and unemployment insurance contributions, state income tax and municipal tax. Your exact net pay depends on your municipality, so calculate your own figure with the calculator.

What is the earned income tax credit in 2026?

The earned income tax credit (työtulovähennys) is a deduction from earned income that lowers the tax you pay. In 2026 its maximum is €3,225, the same as in 2025. The phase-out now starts at €24,250 in annual earnings, instead of the earlier €23,420. The change benefits middle-income earners.

Did the unemployment insurance contribution rise?

Yes, the employee's unemployment insurance contribution rose from 0.79% to 0.89% in 2026. The increase is 0.10 percentage points and slightly reduces take-home pay. It is still smaller than the cuts to the pension and daily allowance contributions, so net pay rose for most people anyway.

Home · Tax reform 2026

How the 2026 tax reform changed your net pay

The 2026 tax reform raised net pay slightly for most wage earners in Finland. The change is largest for people aged 53–62, whose higher pension contribution was removed. For everyone else, a few euros more stays in hand each month.

Contributions and tax brackets

Which contributions changed in 2026

Earnings-related pension contribution (TyEL): In 2025 it was 7.15% (under 53 and over 62) or 8.65% (ages 53–62) → in 2026 everyone pays the same 7.30%. The age-based tier was removed.
Unemployment insurance contribution: 0.79% → 0.89%. It rose.
Health insurance daily allowance contribution: 1.06% → 0.88%. It fell. Charged when annual earnings are at least €17,255.
State income tax brackets: The income limits were raised (for example, the lowest bracket from €20,500 to €21,200), while the rates stayed the same (12.64 / 19.00 / 30.25 / 34.00 / 44.00%).
Earned income tax credit (työtulovähennys): The maximum €3,225 stayed unchanged, but the phase-out now starts at €24,250 in annual earnings instead of €23,420.

Monthly effect

How much your net pay changed

The examples show how much monthly take-home pay changed. The effect depends on age, because the pension contribution change was different for each age group.

Gross pay	Under 53 and over 62	Ages 53–62
€2,000/mo	+€3	+€26
€3,000/mo	+€13	+€42
€4,000/mo	+€13	+€51
€5,000/mo	+€18	+€63
€6,000/mo	+€17	+€72
€8,000/mo	+€17	+€89

The examples use Helsinki's 2026 municipal tax rate (5.30%) for both years, without church tax. For your own municipality and exact amount, use the calculator on the home page.

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Differences between age groups

Why people aged 53–62 benefit most

Before 2026, the pension contribution was tiered by age. People aged 53–62 paid 8.65%, while everyone else paid 7.15%. In 2026 the tier was removed and everyone pays 7.30%. For this age group the contribution fell the most, so their net pay rose the most.

Calculator

Calculate your own net pay

The examples give a rough idea, but the exact amount depends on your salary and your municipality. Enter your gross pay in the calculator to see your 2026 net pay and a breakdown of taxes and contributions.

Calculate net pay

FAQ

Frequently asked questions about the 2026 tax reform

Did net pay rise in 2026?: Yes, net pay rose slightly for most people in 2026. The age-based tier in the pension contribution was removed and the health insurance daily allowance contribution fell, which left more in hand. A small rise in the unemployment insurance contribution offset part of the gain. For people under 53 the change is a few euros a month; for those aged 53–62 it is clearly more.
Why did the TyEL contribution change?: The age-based tier in the earnings-related pension (TyEL) contribution was removed at the start of 2026. Before, people aged 53–62 paid a higher rate of 8.65% and everyone else paid 7.15%. Now all wage earners pay the same 7.30% regardless of age. The change lightens the contribution most for people aged 53–62.
How much of a €3,000 monthly salary is left after tax in 2026?: About €2,434 a month is left from a €3,000 salary in Helsinki, if you are under 53 and no church tax applies. The amount is after pension and unemployment insurance contributions, state income tax and municipal tax. Your exact net pay depends on your municipality, so calculate your own figure with the calculator.
What is the earned income tax credit in 2026?: The earned income tax credit (työtulovähennys) is a deduction from earned income that lowers the tax you pay. In 2026 its maximum is €3,225, the same as in 2025. The phase-out now starts at €24,250 in annual earnings, instead of the earlier €23,420. The change benefits middle-income earners.
Did the unemployment insurance contribution rise?: Yes, the employee's unemployment insurance contribution rose from 0.79% to 0.89% in 2026. The increase is 0.10 percentage points and slightly reduces take-home pay. It is still smaller than the cuts to the pension and daily allowance contributions, so net pay rose for most people anyway.