Finland vs Netherlands
Tax Rate Comparison
Enter your income below for a personal tax estimate, then scroll down for full rate breakdowns.
๐ฐ Personal Income Tax Calculator
Enter your income to see your estimated annual tax liability in each country โ side by side.
๐ซ๐ฎ Finland โ 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%โ2.2% 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.
๐ณ๐ฑ Netherlands โ Municipal & Water Board Taxes
The Netherlands is a unitary state โ income tax is set nationally. Municipalities levy property taxes (OZB) and water boards (waterschappen) charge annual water management levies. The Box 3 system is under ongoing reform following Supreme Court rulings. New Box 3 reform taxes actual returns from 2027.
Finland vs Netherlands: Key Tax Differences (2026)
๐ฐ Income Tax: ๐ซ๐ฎ Finland has a higher top income tax rate (~44โ51.4% vs 9.32โ49.5%). ๐ณ๐ฑ Netherlands is more favourable for high earners.
๐ VAT/Sales Tax: Finland has a higher consumption tax (10โ25.5% vs 9โ21%).
๐ข Corporate Tax: ๐ซ๐ฎ Finland offers a lower corporate rate (20% vs 25.8%), which can influence business location decisions.
๐ Capital Gains: ๐ซ๐ฎ Finland taxes investment gains at a lower rate (34% vs 38%), benefiting investors.