Tax rates on pay, pensions and benefits in 2025
Your tax rate means how much tax you have to pay on the income you receive. The tax rate is determined by the amount of earned income you receive during the year. Earned income includes pay from employment as well as pensions and benefits.
Your exact tax rate depends on your annual income, home municipality, religious affiliation, and different types of deductions.
You can estimate your tax rate with the tax rate calculator
Examples of tax rates
The tax rates in the table are for a person who
- is between 17 and 52 years of age
- lives in Helsinki
- belongs to the Evangelical Lutheran Church
- only receives one type of income during the year (e.g. just wages, no other income)
- no underage children under guardianship
- has received a tax card at the start of the year.
Any deductions made automatically by the Tax Administration have also been taken into account in the tax rates.
| Amount of income during the year | Tax rate on pay | Tax rate on benefits | Tax rate on pension |
|---|---|---|---|
| €10 000 | 0,0 % | 14,5 % | 0,0 % |
| €16 000 | 0,5% | 18,5 % | 5,5 % |
| €20 000 | 1,5 % | 20,0 % | 12,0 % |
| €30 000 |
10,0 % |
23,0 % |
19,5 % |
| €40 000 | 15,5 % | 26,5 % | 24,5 % |
| €50 000 | 20,5 % | 29,0 % | 29,0 % |
| €60 000 | 23,5 % | 31,0 % | 32,0 % |
| €70 000 | 26,0 % | 32,5 % | 34,5 % |
In addition to tax, you will also have to pay pension insurance contributions and unemployment insurance contributions from your pay. In this example, the contributions would amount to 7.74%. Your employer withholds the contributions from your pay and transfers them to your pension institution.
Examples of tax amounts
| Amount of income during the year | Tax on pay | Tax on benefits | Tax on pension |
|---|---|---|---|
| €10 000 | 0,00 € | 1 415,94 € | 0,00 € |
| €16 000 | 2,50 € | 2 880,80 € | 836,82 € |
| €20 000 | 270,50 € | 3 943,21 € | 2 390,06 € |
| €30 000 | 2 967,23 € | 6 836,68 € | 5 811,13 € |
| €40 000 | 6 183,08 € | 10 467,93 € | 9 802,81 € |
| €50 000 | 10 009,13 € | 14 267,93 € | 14 443,43 € |
| €60 000 | 13 950,51 € | 18 364,18 € | 19 124,68 € |
| €70 000 | 18 159,64 € | 22 539,18 € | 23 884,68 € |