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Sole trader (toiminimi) tax calculator 2026: what you keep

Estimate a Finnish sole trader’s 2026 income taxes and YEL pension contributions and see how much of the profit you keep.

Sales minus expenses, excluding VAT, before your own YEL contributions.

Stated in your YEL insurance. YEL is compulsory when this income is at least €9,423.09 a year (2026). If you have no YEL insurance, enter 0.

7.60% is the average municipal income tax rate in 2026. You can find your municipality’s rate on the Tax Administration’s website.

Only if you belong to the Evangelical Lutheran or Orthodox Church of Finland; otherwise 0.

Estimate for 2026

YEL contribution
€3,806
State income tax (after the work income deduction)
€1,837
Municipal tax
€2,596
Health insurance contributions
€423
Public broadcasting tax (Yle)
€160
Taxes and contributions in total
€8,822

You keep per year

€31,178

€2,598 per month

Taxes and YEL as a share of profit: 22.1%

What the calculator assumes

  • You have no other income and the business has no net assets, so the whole profit is taxed as earned income.
  • YEL contributions are deducted from the business profit, and then the 5% entrepreneur deduction (yrittäjävähennys) is applied.
  • You are 18–64, live in mainland Finland (not Ă…land) all year, have no children under 18 and claim no other deductions.
  • This is an estimate based on the 2026 tax rules. The final tax is set by the Tax Administration (Vero).
Toiminimi (sole trader) tax in Finland 2026: worked example →

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