Commission calculator, what reaches your account
Enter the invoice amount excluding VAT, choose a package, and give the withholding rate from your tax card. The calculator shows every deduction separately, in the order they are actually applied.
The calculator is an estimate, not a fee statement
The final breakdown is on your fee statement. If the calculator’s figure and your fee statement differ materially, tell us.
What the calculator does not ask
- Your age. In an employment relationship the employee unemployment insurance contribution is levied only between 18 and 64, and people arriving from one expect the same here. It does not apply: no unemployment insurance contribution is levied on income invoiced this way, so your age changes nothing.
- Whether you are required to hold YEL. The employer health insurance contribution is levied when the worker is required to be insured under YEL or MYEL. The Tax Administration's guidance says it must also be paid when the invoicing service does not know at the time of payment whether they are, which is why the calculator always shows it. In 2026 the obligation begins when income through the service passes the YEL lower limit and the work continues for more than four months without a break. The YEL page sets out the limits.
Where the figures come from
- The confirmed 2026 rate. The employer health insurance contribution, Sava, is 1,91 % of the fee base, and on income invoiced this way it is the only contribution levied. Earnings-related pension and unemployment insurance are not, which is why they are on neither the fee statement nor this calculator.
- The price list, on the amount excluding VAT. The service fee, the minimum charge and the 249 euro cap all come from the price list and are all calculated on the invoice excluding VAT.
- Every figure is a published rate, not an estimate. The calculator deducts no accident insurance premium, because accident cover comes with the plan rather than being an employer cost on every invoice. The price list says which plans include it.
Frequently asked
- Why is the service fee deducted first?
- Because the employer health insurance contribution is calculated on what is left for the payment run, nobody pays it on Palkkaguru's service fee. So the fee comes off first, and the remainder funds both Sava and the fee base.
- Where do I find my withholding rate?
- On your tax card. If you do not know it, the Tax Administration's own calculator gives it from your estimated annual income. This calculator does not guess it, because it is different for everyone.
- Why are the health contributions not shown separately?
- They are collected inside the withholding percentage on your tax card, not alongside it. A calculator that deducted them again would count them twice and show a net figure about two per cent too low.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.