Tools · Calculator
VAT calculator – work out VAT in both directions
Add VAT to a net price or separate the VAT from a VAT-inclusive amount. The calculator uses the 2026 Finnish VAT rates, and the result updates as you type.
The amount entered
VAT rate
How is VAT calculated?
VAT is always calculated from the net price. The formulas are simple, but the direction matters:
- Net → VAT-inclusive: net price × (1 + VAT rate)
- VAT-inclusive → net: VAT-inclusive price ÷ (1 + VAT rate)
- VAT amount: VAT-inclusive price − net price
Example at the 25.5% rate: €100 net price × 1.255 = €125.50, of which the VAT is €25.50. In the other direction, €125.50 ÷ 1.255 = €100.
The most common mistake is to work out the VAT by subtracting 25.5% from the VAT-inclusive price. That gives €93.50, not €100 – and the error grows with the size of the invoice. Always divide, never subtract.
VAT rates in Finland 2026
| VAT rate | What it applies to |
|---|---|
| 25.5% | Standard rate. All goods and services for which no reduced rate has been set. |
| 13.5% | Food, restaurant and catering services, medicines, books, accommodation, passenger transport, and sports and cultural services. |
| 10% | Newspaper and magazine subscriptions of at least one month. |
| 0% | VAT-free sales, for example exports outside the EU and sales of goods to businesses in other EU countries. |
VAT change 2026: the reduced rate fell from 14% to 13.5%
From 1 January 2026, the reduced VAT rate fell from 14% to 13.5%. The change covers, among other things, food, restaurant and catering services, medicines, books, accommodation, and sports and cultural services. The standard rate has been 25.5% since 1 September 2024, when it rose from 24%.
If your price list includes VAT, the lower reduced rate in practice means either a slightly bigger margin or a small price cut for the customer – depending on which you keep unchanged, the net price or the VAT-inclusive price.
Reverse charge VAT
Under the reverse charge, the buyer reports and pays the VAT instead of the seller. The seller issues the invoice without VAT and marks on it the grounds for the reverse charge and the buyer’s VAT number.
In Finland the reverse charge applies in particular to sales of construction servicesbetween businesses. It also applies to many intra-EU sales between businesses. It is not used for sales to consumers.
When do you have to register for VAT?
You must register in the VAT register once your turnover exceeds €20,000 in a calendar year. The small-business exemption requires turnover of no more than €20,000 in both the current and the preceding calendar year. The threshold was raised from €15,000 on 1 January 2025.
You can also register voluntarily, even if you stay below the threshold. That pays off if you buy a lot of goods and services that carry VAT and your customers are businesses – you can then deduct the VAT on your purchases. If your customers are consumers, voluntary registration usually just raises your prices.
VAT returns and paying VAT
A VAT-registered business reports and pays VAT on its own initiative in OmaVero, the Tax Administration’s e-service. Depending on turnover, the reporting period is a month, a quarter or a calendar year. The return states the VAT payable on sales and the VAT deductible on purchases; the difference is either paid to the Tax Administration or refunded.
Light entrepreneurs and VAT
When you invoice as a light entrepreneur through an invoicing service, the sale is made under the service’s VAT number. VAT is added to the invoice as usual, butyou don’t report or pay it yourself – and you don’t need your own business ID (Y-tunnus) or VAT registration.
In Keikkalasku you choose the VAT rate when you create an invoice, and the rest is taken care of for you. Our service fee is a fixed €5–10 per invoice instead of a percentage, so it doesn’t grow with the invoice. See our pricing or compare us with others in ourinvoicing service comparison.
Want to see how much of a gig you keep after taxes? The salary calculator works through the whole chain, from invoice to bank account. We cover entrepreneurs’ pension insurance on our YEL insurance page.
Frequently asked questions about VAT
- What is the VAT rate in Finland in 2026?
- The standard VAT rate is 25.5%. The reduced rates are 13.5% (including food, restaurant services, medicines, books, accommodation, sports and culture) and 10% (newspaper and magazine subscriptions of at least one month). Some sales are VAT-free, i.e. 0%.
- How do you add VAT to a price?
- Multiply the net price by 1 + the VAT rate. For example, €100 at 25.5% VAT: 100 × 1.255 = €125.50, of which the VAT is €25.50.
- How do you remove VAT from a VAT-inclusive price?
- Divide the VAT-inclusive price by 1 + the VAT rate. For example, €125.50 at 25.5% VAT: 125.50 ÷ 1.255 = €100, so the VAT amount is €25.50. Do not work out the VAT by subtracting 25.5% from the VAT-inclusive price – that gives the wrong result.
- What is the reverse charge?
- Under the reverse charge, the buyer reports and pays the VAT instead of the seller. In Finland it applies in particular to sales of construction services between businesses, and to many intra-EU sales between businesses. The invoice is then issued without VAT and must state the grounds for the reverse charge.
- When does a business have to register for VAT?
- You must register in the VAT register once your turnover exceeds €20,000 in a calendar year. The small-business exemption requires turnover of no more than €20,000 in both the current and the previous calendar year. You can also register voluntarily.
- Does a light entrepreneur have to pay VAT?
- Yes – if you invoice through an invoicing service, the sale is made under the service’s VAT number and VAT is added to the invoice as usual. When you invoice through Keikkalasku, however, you don’t report or pay the VAT yourself – it is handled for you.
Information checked on 26.7.2026 and based on the VAT rates published by the Finnish Tax Administration. VAT rules change through legislation – check the current rates and thresholds atvero.fi. This page is not tax advice.