🇫🇮 Finland vs. 🇪🇪 Estonia – Both are Northern European neighbors, but how much do you actually keep after taxes in 2025? In this comparison, we look at unmarried employees without children. Let’s break it down. 💰

🔹 30.000 Gross Per Year
🇫🇮 Finland: €20.549
🇪🇪 Estonia: €22.558
At this level, Finland takes around 31.5%, while Estonia takes about 24.8%.

🔹 45.000 Gross Per Year
🇫🇮 Finland: €29.335
🇪🇪 Estonia: €33.836
Here, Estonia clearly pulls ahead — Finland taxes about 34.8%, while Estonia stays around 24.8%.

🔹 60.000 Gross Per Year
🇫🇮 Finland: €37.505
🇪🇪 Estonia: €45.115
At €60.000, the difference widens — Finland takes around 37.5%, compared to Estonia’s 24.8%.

🔹 80.000 Gross Per Year
🇫🇮 Finland: €47.757
🇪🇪 Estonia: €60.154
Salaries rise, but so do taxes — Finland taxes about 40.3%, while Estonia keeps it at 24.8%.

🔹 100.000 Gross Per Year
🇫🇮 Finland: €58.008
🇪🇪 Estonia: €75.192
At high incomes, Finland’s effective rate hits around 42%, while Estonia remains steady at 24.8%.

💡 Key Insights:

🇫🇮 Finland: Finland runs a progressive tax system, where your tax rate increases with income. Effective rates climb from 31.5% at €30.000 to 42% at €100.000. The high taxes fund excellent healthcare, education, and strong social security — but for high earners, the jump in deductions is significant.

🇪🇪 Estonia: Estonia keeps things simple with a flat tax system. No matter if you earn €30.000 or €100.000, the effective rate stays close to 24.8%. Lower taxes mean higher take-home pay, especially at higher salary levels. Public services are more basic compared to Finland, but Estonia’s digital society and light tax burden are major draws.

Finnish Long Drink or Vana Tallinn? 🍸🍷 Tell us your pick in the comments! 😄

The research is based on publicly available data. Deviations are possible.

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