calculateEmployer cost summary
What a Finnish employee actually costs
Finland’s employer burden is moderate by Nordic standards, but the pension component is the one that moves the number.
~21-25%Total employer contributions on top of gross salary
17.1%TyEL pension - employer average, age-banded
30 daysStatutory annual leave after one year of service
| Payroll component | Rate / details |
| Pension insurance (TyEL) |
Employer average 17.1%; age-banded. Employee share 7.15-8.65% |
| Unemployment insurance |
0.31% up to €2.5M total payroll / 1.23% above - graded by the employer’s total wage bill |
| Health insurance (employer share) |
~1.7% of gross salary |
| Accident & group life insurance |
~0.5% average, sector-dependent |
| Annual leave (statutory) |
25 days under one year of service; 30 calendar days from one year |
| Holiday bonus (lomaraha) |
~50% of normal holiday pay - common collective-agreement practice, paid before summer leave |
| Sick pay |
Employer-paid once employment has lasted 1+ month; Kela sickness allowance thereafter |
| Minimum wage |
None in statute - pay floors are set by the applicable sector collective agreement (TES) |
updateRates verified for the 2026 tax year. Figures are indicative - your quote is calculated on the actual salary and contract type.