Finland vs Estonia
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.
🇪🇪 Estonia — Local Income Tax Supplement
Estonia's 79 local governments levy a local income tax supplement of 11.4% of taxable income (2024), collected alongside the national 20% income tax. Together these form the effective total income tax. Estonia's unique fully distributed profit taxation system means companies pay no corporate income tax on retained earnings — only on distributed profits (dividends). This has driven significant foreign investment. Land tax (maamaks) is levied at 0.1%–2.5% of assessed land value by municipalities.
Finland vs Estonia: Key Tax Differences (2026)
💰 Income Tax: 🇫🇮 Finland has a higher top income tax rate (~44–51.4% vs 22%). 🇪🇪 Estonia is more favourable for high earners.
🛒 VAT/Sales Tax: Finland has a higher consumption tax (10–25.5% vs 9–24%).
🏢 Corporate Tax: 🇫🇮 Finland offers a lower corporate rate (20% vs 22%), which can influence business location decisions.
📈 Capital Gains: 🇪🇪 Estonia taxes investment gains at a lower rate (22% vs 34%), benefiting investors.