Salary rate
Annual
Month
Semimonthly
Weekly
Day
Hour
Withholding
Salary
€ 389
Income Tax
- € 1.34
Local Income Tax
- € 77.68
Church tax
- € 6.22
Public broadcasting tax
- € 3.13
Daily allowance contribution
- € 4.59
Medicare Premium
- € 2.06
Pension insurance
- € 27.81
Unemployment insurance
- € 5.84
Total tax
- € 129
Net pay
* € 260
Marginal tax rate
37.9%
Average tax rate
33.1%
66.9%
Net pay
33.1%
Total tax
Total tax
Net pay
The Taxberg
€ 260
Net pay
€ 10.11
Tax the employer pays
€ 129
Tax you pay
Total tax paid
€ 139
Did you know your employer also pays tax on your salary? It costs the employer € 10.11 to pay you € 389. In other words, every time you spend € 10 of your hard-earned money, € 3.57 goes to the government.
Real tax rate
34.8%
So, with you and the employer both paying tax, what used to be a 33.1% tax rate now rises to 34.8%, meaning your real tax rate is actually 1.7% higher than what it seemed at first.
Summary
If you make € 20,228 a year living in Finland, you will be taxed € 6,691. That means that your net pay will be € 13,537 per year, or € 1,128 per month. Your average tax rate is 33.1% and your marginal tax rate is 37.9%. This marginal tax rate means that your immediate additional income will be taxed at this rate. For instance, an increase of € 100 in your salary will be taxed € 37.93, hence, your net pay will only increase by € 62.07.
Bonus Example
A € 1,000 bonus will generate an extra € 621 of net incomes. A € 5,000 bonus will generate an extra € 3,104 of net incomes.
Europe
Country 
Net pay
Average tax
Rank
Ireland
EUR 18870
6.7%
1
Switzerland
EUR 18566
8.2%
2
United Kingdom
EUR 18548
8.3%
3
Russia
EUR 17598
13.0%
4
France
EUR 17388
14.0%
5
Norway
EUR 17222
14.9%
6
Luxembourg
EUR 16849
16.7%
7
Austria
EUR 16769
17.1%
8
Spain
EUR 16551
18.2%
9
Hungary
EUR 16486
18.5%
10
Ukraine
EUR 16284
19.5%
11
Czech Republic
EUR 16184
20.0%
12
Italy
EUR 15331
24.2%
13
Germany
EUR 15168
25.0%
14
Greece
EUR 14846
26.6%
15
Sweden
EUR 14767
27.0%
16
Poland
EUR 14087
30.4%
17
Denmark
EUR 13552
33.0%
18
Finland
EUR 13537
33.1%
19
Portugal
EUR 13419
33.7%
20
Belgium
EUR 12776
36.8%
21
Netherlands
EUR 12729
37.1%
22
Romania
EUR 11833
41.5%
23
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North America
Country 
Net pay
Average tax
Rank
USA
EUR 17154
15.2%
1
Canada
EUR 15030
25.7%
2
Asia / Pacific
Country 
Net pay
Average tax
Rank
Hong Kong
EUR 19152
5.3%
1
Taiwan
EUR 18256
9.8%
2
Thailand
EUR 18240
9.8%
3
Australia
EUR 18109
10.5%
4
South Korea
EUR 17189
15.0%
5
New Zealand
EUR 16955
16.2%
6
Pakistan
EUR 16799
17.0%
7
Indonesia
EUR 16557
18.2%
8
Malaysia
EUR 16425
18.8%
9
Japan
EUR 16161
20.1%
10
Kazakhstan
EUR 16139
20.2%
11
Singapore
EUR 16061
20.6%
12
Philippines
EUR 15688
22.5%
13
Vietnam
EUR 15026
25.7%
14
China
EUR 14250
29.6%
15
India
EUR 13664
32.5%
16
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Latin America
Country 
Net pay
Average tax
Rank
Guatemala
EUR 18288
9.6%
1
Costa Rica
EUR 18087
10.6%
2
Puerto Rico
EUR 18063
10.7%
3
Ecuador
EUR 17660
12.7%
4
Colombia
EUR 17259
14.7%
5
Panama
EUR 16853
16.7%
6
Chile
EUR 16367
19.1%
7
Mexico
EUR 16046
20.7%
8
Peru
EUR 15566
23.1%
9
Brazil
EUR 15193
24.9%
10
Uruguay
EUR 14854
26.6%
11
Argentina
EUR 13142
35.0%
12
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Africa
Country 
Net pay
Average tax
Rank
South Africa
EUR 16559
18.1%
1
Mozambique
EUR 15082
25.4%
2
Angola
EUR 14879
26.5%
3
Kenya
EUR 14635
27.7%
4
Morocco
EUR 14380
28.9%
5
Ivory Coast
EUR 14331
29.2%
6
Ghana
EUR 14317
29.2%
7
Nigeria
EUR 13876
31.4%
8
Cameroon
EUR 13473
33.4%
9
Uganda
EUR 13424
33.6%
10
Senegal
EUR 13185
34.8%
11
Zambia
EUR 12714
37.1%
12
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Middle East
Country 
Net pay
Average tax
Rank
United Arab Emirates
EUR 19217
5.0%
1
Qatar
EUR 19217
5.0%
2
Bahrain
EUR 18610
8.0%
3
Oman
EUR 18610
8.0%
4
Saudi Arabia
EUR 18205
10.0%
5
Kuwait
EUR 18003
11.0%
6
Israel
EUR 17452
13.7%
7
Egypt
EUR 15430
23.7%
8
Lebanon
EUR 15349
24.1%
9
Turkey
EUR 11768
41.8%
10
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NOTE* Withholding is calculated based on the tables of Finland, income tax. For simplification purposes some variables (such as marital status and others) have been assumed. This document does not represent legal authority and shall be used for approximation purposes only.