Germany vs Finland
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
🇩🇪 Germany — Trade Tax (Gewerbesteuer) & Church Tax
Germany's 16 Bundesländer apply federal income tax rates uniformly — no state income tax variation. Municipalities levy Gewerbesteuer (trade tax) on business profits at ~7–17% effective. Church tax (Kirchensteuer) of 8–9% of income tax applies to registered members. The solidarity surcharge (Soli) now only applies to the top ~10% of earners.
🇫🇮 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.
Germany vs Finland: Key Tax Differences (2026)
💰 Income Tax: 🇫🇮 Finland has a higher top income tax rate (14–45% vs ~44–51.4%). 🇩🇪 Germany is more favourable for high earners.
🛒 VAT/Sales Tax: Finland has a higher consumption tax (7–19% vs 10–25.5%).
🏢 Corporate Tax: 🇫🇮 Finland offers a lower corporate rate (20% vs 29%), which can influence business location decisions.
📈 Capital Gains: 🇩🇪 Germany taxes investment gains at a lower rate (25% vs 34%), benefiting investors.