Finland vs Croatia
Tax Rate Comparison
Enter your income below for a personal tax estimate, then scroll down for full rate breakdowns.
💰 Personal Income Tax Calculator
Enter your income to see your estimated annual tax liability in each country — side by side.
Individual Income Tax (Top Marginal Rate)
VAT / GST / Sales Tax
Corporate Tax Rate
Capital Gains Tax
Social Security & Payroll
🇫🇮 Finland — Municipal Income Tax
Finland's 309 municipalities set their own income tax rates (municipal tax) ranging from ~16.5% to ~22.5%, averaging ~20%. This is added to the national progressive income tax. The church tax of 1%–2.2% applies to members. No regional income tax. The 'solidarity tax' on high earners (2%) applies nationally. Municipalities also levy real estate tax on property owners. The welfare state is heavily funded by these high combined tax rates.
🇭🇷 Croatia — County & Municipal Surtax
Croatia's 20 counties (županije) and 556 local government units levy prirez (surtax) on income tax of 0%–18%. Zagreb applies the maximum 18% surtax. The surtax is calculated on the national income tax liability. Property transfer tax is 3% on real estate. Municipalities may levy local fees. Croatia adopted the euro in 2023, replacing the kuna. The abolition of the second income tax bracket (36%) in 2024 simplified the system considerably.
Finland vs Croatia: Key Tax Differences (2026)
💰 Income Tax: 🇫🇮 Finland has a higher top income tax rate (~44–51.4% vs 20–30%). 🇭🇷 Croatia is more favourable for high earners.
🛒 VAT/Sales Tax: Both countries have comparable consumption tax rates (10–25.5% vs 5–25%).
🏢 Corporate Tax: 🇭🇷 Croatia offers a lower corporate rate (18% vs 20%), which can influence business location decisions.
📈 Capital Gains: 🇭🇷 Croatia taxes investment gains at a lower rate (10% vs 34%), benefiting investors.