What is a Finnish tax card, and how do you get one?

Short answer: a tax card tells your payer the tax withholding rate and the income ceiling to which that rate applies. You can check and revise it in MyTax. A tax card is neither a work permit nor an employment contract.

Understand three entries

Tax Administration guidance explains that the rate depends on reported income and deductions. The additional rate applies to the amount exceeding the ceiling unless a revised card is used. Checked on 11 November 2026.

The ceiling does not prohibit earning more. It signals a need to check whether the card still matches your circumstances. Tax withholding also does not explain every deduction on a payslip.

Check your existing card first

Open MyTax through the Tax Administration’s website. Find your valid wage tax card and compare its estimate with your expected annual income. Include wages already paid, the remainder of the year and other relevant income.

The employee guidance says to use the same wage tax card for all wage payers. When you have several employers, monitor the combined income yourself.

Requesting a new card

Choose the option to request a new tax card in MyTax. Check pre-completed information, enter income and deductions in the appropriate sections and check the validity period. Submit the application: saving an unfinished form is not submission.

Ask payroll whether the employer receives the information electronically or needs you to provide it. If you have just arrived in Finland or cannot use MyTax, ask the Tax Administration how to proceed in your circumstances. Cross-border taxation depends on the situation; another worker’s card is not a suitable template.

Make checking straightforward

Retain payslips and compare accumulated gross wages with your estimate. Revisit the card after a job change, altered working hours or a new bonus. Before applying, prepare one calculation showing income already received and income still expected.

Use SuomiGuide’s job-search guide for finding work. The freelancing introduction covers independent work.

Official sources

Checked on 11 November 2026.

• Vero: withholding rate and income ceiling
• Vero: employee tax cards
• Vero: finding a card in MyTax