How to get a Finnish tax card — if you are planning to work in Finland in 2025, obtaining the right tax card (“verokortti”) is essential. In this guide, you’ll learn exactly how to secure your tax card, what information you need, and why having a valid verokortti matters before your first paycheck.
Why You Need a Finnish Tax Card
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The tax card (verokortti) tells your employer which tax withholding rate to apply to your salary. Verokampus+1
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Without a valid verokortti, your employer may withhold up to 60% of your salary as tax — which is usually far more than necessary. Helsinki Institute of Health Sciences+1
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Starting in 2025, tax cards become effective from 1 January and the income limit (tuloraja) is calculated for the full year. vero.fi+1
Obtaining a tax card early helps ensure that your take-home pay is calculated correctly — and helps you budget for food, healthy meals, and everyday living.
Step-by-Step: How to Get Your Finnish Tax Card in 2025
1. Make sure you have a Finnish Personal Identity Code (henkilötunnus)
If you are a foreigner planning to work in Finland, you first need a Finnish personal ID number. Without it, you can’t get a tax card. vero.fi+1
2. Use the official service Finnish Tax Administration (Vero) — MyTax or paper form
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Go to the Vero website and log in to the service called MyTax (“OmaVero”). vero.fi+1
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Choose “Verokortti and ennakkovero” → “Request a new tax card” (or “Tilaa uusi verokortti”) for the tax year 2025. vero.fi+1
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You will need to estimate your annual income (salary, benefits, bonuses) and any likely deductions (travel between work and home, commuting, possible expenses). vero.fi+1
Vero itself states that you can request a new tax card any time in 2025, and also change your income ceiling (tuloraja) or tax rate as necessary. vero.fi+1
3. For special cases: non-residents, temporary workers, benefits, or pension income
If you are staying in Finland temporarily (e.g. ≤ 6 months) or working for a short contract, or receiving pension or benefits — you may need a different form (e.g. 5057e, 5042e) instead of the standard application form 5010e. vero.fi+1
For pension income or other non-salary income, the procedure is similar: you still request a verokortti, but the tax card will be tailored to your earnings type. vero.fi+1
4. After submission — download or wait for the card
Once your application is processed, you can either:
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Download your verokortti from MyTax (PDF), or
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Receive a paper version by mail or via Suomi.fi message — depending on Vero’s system and your preferences. Verokampus+1
Then you give the tax card to your employer. They set aside (withhold) taxes based on the withholding rate on your card. Verokampus+1
5. Adjust if your income changes
If you expect to earn more (or less) than you initially estimated — e.g. second job, bonus, benefits — it’s wise to request a revised tax card (muutosverokortti) to update your income ceiling and tax rate. This prevents surprises such as high deductions or under-withholding. vero.fi+2Opetus ja tiede -työttömyyskassa+2
“Side Benefit” — Financial Stability and Health (yes, even for a food blog!)
Getting your tax card sorted as soon as you start working in Finland does more than just avoid over-taxation — it brings a kind of financial stability that can support healthier living:
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Better budgeting power: With predictable take-home pay, you can plan for nutritious shopping, balanced meals, fresh produce — important if you care about healthy cooking and lifestyle.
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Reduced stress: Avoiding last-minute tax shocks means fewer financial stressors, and a calmer mind supports overall wellbeing (sleep, mental health, mindful eating).
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Room for wellness: With proper tax planning, you may end up saving or investing the extra — and you could use that to buy better-quality ingredients, healthier food, or invest in kitchen tools that help you cook balanced meals.
Internal Resources — Useful Links
If you plan to move to Finland or settle down — check out our guides on living and moving there:
(These are example internal links — make sure the slugs match your actual site structure.)
Official Reference for 2025 Tax Card Rules
The Finnish Tax Administration confirms that from 2025 onwards, tax cards become effective on January 1, and the income ceiling (tuloraja) applies for the whole year. vero.fi+1
Frequently Asked Questions (FAQ)
Q: What if I don’t get a verokortti before my first paycheck?
A: If you don’t provide your employer with a verokortti, they may withhold taxes at a default high rate (up to 60%). That means less take-home pay until you submit the correct tax card.
Q: Can I update (or correct) my Finnish tax card during the year?
A: Yes — you can request a new or revised tax card (muutosverokortti) at any time in 2025 if your income estimate changes, or if you take on additional jobs / receive bonuses / benefits. vero.fi+1
Q: I’m only staying in Finland temporarily (short contract). Do I still need a tax card?
A: Yes — even short-term or temporary workers need a tax-at-source card or a tax card, depending on tax residency and duration. Use the relevant form (e.g. 5057e) when applying. vero.fi+1
Conclusion
how to get a Finnish tax card is one of the first and most important administrative steps if you start working in Finland. With 2025 changes, it’s more crucial than ever to get your verokortti in time — effective from 1 January with a full-year income limit. By applying via the official Finnish Tax Administration (Vero) — either online (MyTax) or via paper form — and providing accurate income and deduction estimates, you ensure your salary is taxed properly. Getting this sorted early can help your financial stability and give you the freedom to budget your meals better — contributing indirectly to a healthier lifestyle.