Ciao a tutti, mi dispiace so che questo è più noioso delle belle foto di Aurora, ma non sono riuscito a trovare un sub di finanza personale specifica per la Finlandia. Pensavo di chiedere qui nel caso in cui mi mancasse qualcosa di ovvio, altrimenti chiederò alle risorse umane ovviamente.
La tabella sopra mostra il mio reddito da quando sono stato impiegato in Finlandia. Ho notato che ogni anno il mio stipendio subisce un grande successo fiscale alla fine dell’anno. Anche se questo successo è arrivato già a settembre. La fluttuazione del mio stipendio a causa dei diversi livelli fiscali (e dello stipendio base, così come puoi vedere) mi rende davvero difficile per me rimanere al passo con le mie finanze e pianificare in anticipo, anche se la mia carta fiscale è sempre automaticamente aggiornata.
Qualcuno può spiegare perché le mie tasse fluttuano così tanto invece di rimanere a un livello stabile? Dal 2024/10 sono su un lungo culo praticamente permanente con solo un piccolo bump di stipendio, e come vedi anche da allora le tasse fluttuano molto.
Grazie!
https://i.redd.it/86zhc35ebbsf1.png
di Natural-Funny-2292
8 commenti
I would assume that you hit the income ceiling on your tax card late in the year. What is the max annyal income noted on your tax card? Your tax rate is based on the income for the whole year,so when you hit that income ceiling, anything that goes above it gets taxed as per the additional withholding rate.
Looks like you have set a too low income ceiling on your tax card and exceed it at some point of the year, triggering the additional tax rate, which is a lot higher. I mean, 5.0% is a ridiculously low rate for someone who has earned €26,272.60 nine months into this year.
See here for more info: [https://www.vero.fi/en/individuals/tax-cards-and-tax-returns/tax_card/tax-rate-and-income-ceiling/](https://www.vero.fi/en/individuals/tax-cards-and-tax-returns/tax_card/tax-rate-and-income-ceiling/)
Are you using an “auto-generated” tax report or do you estimate your annual maximum taxable income and report that?
It looks like your tax report might have some sort of estimated annual income of around 20 kEUR, and once you exceed this total sum, around 2024/11 and 2025/8, you get taxed with a higher rate which is typical for this sort of scenario.
Do you get any tax returns?
You could go to [vero.fi](http://vero.fi) and log in, and do the tax report calculation by estimating your annual salary (don’t forget to include taxable benefits and return-from-holiday-pay aka lomaraha). This will give you a more accurate total income for the year and a tax card with a suitable taxrate to give to your employer. This would balance out the tax rate for the entire year, e.g. something around 7-10 %, and avoid having the larger tax payments for the last few months.
The easiest way to prevent those fluctuations is to use [vero.fi](http://vero.fi) and use their calculators to periodically order yourself a new verokortti. It does not cost anything and is super easy.
Next year, order a new tax witholding when you know your salary after a raise. This calculates the witholding more accurstely, and spread the increase evenly over remaining months of the year. The tax service allows previewing change before ordering new witholdings.
Any excess witholdings are refunded with a small interest following year.
It always surprises me when people don’t seem to understand that tax is highly predictable in Finland (not especially meaning OP if they aren’t used to the Finnish system) and that one can follow up if one pays enough or to little. I’ve even seen people with a training in business economics who’ve been surprised when their taxes have hiked up at the end of the year or been required to pay more the next year after the tax report.
Next year, put 35k for the whole year income and you will be fine, might even get something back in 2027
I think my questions are all answered, thank you! I will leave the post up, hopefully it helps others too who are curious about income taxing in Finland.