Poland vs Finland
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.
๐ต๐ฑ Poland โ Local & Municipal Taxes
Poland's 16 voivodeships do not levy their own income taxes. Municipalities collect property tax (podatek od nieruchomoลci) within national limits. The Polish Deal (Polski ลad) reforms of 2022 significantly changed income tax. A health insurance contribution (9% of income) is no longer deductible, effectively raising the burden. The JDG (sole proprietor) regime offers flat 19% or lump-sum options.
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.
Poland vs Finland: Key Tax Differences (2026)
๐ฐ Income Tax: ๐ซ๐ฎ Finland has a higher top income tax rate (12โ32% vs ~44โ51.4%). ๐ต๐ฑ Poland is more favourable for high earners.
๐ VAT/Sales Tax: Finland has a higher consumption tax (5โ23% vs 10โ25.5%).
๐ข Corporate Tax: ๐ต๐ฑ Poland offers a lower corporate rate (19% vs 20%), which can influence business location decisions.
๐ Capital Gains: ๐ต๐ฑ Poland taxes investment gains at a lower rate (19% vs 34%), benefiting investors.