Estonian Salary Calculator

How salary is calculated in Estonia

The calculator takes your gross salary and subtracts everything the employer withholds: unemployment insurance, the funded pension contribution (if you pay one) and income tax, which is charged only on what is left after the tax-free minimum. Social tax and the employer's share of the insurance are paid on top of your gross — they are not taken out of your pay.

Tax rates 2024–2026

What is left in hand

Calculated without a second pillar contribution. If you pay 2, 4 or 6%, you keep less — the calculator at the top of the page gives the exact figure.

What gross salary gives the take-home pay you want

Calculated with 2026 rates, without a second pillar contribution.

What an employee costs the employer

Social tax is charged on at least the monthly rate (€886 a month, which is €292 of tax), so on a small salary the cost does not fall proportionally. The obligation does not apply to pensioners, students, parents of a child under 3 and a few other cases.

From 2026 the tax-free minimum is €700 and no longer depends on your salary: what changed and how much more you keep.

Two jobs? There is a page just for that: the tax-free minimum across two jobs.

Hiring? See what an employee costs the employer, including the minimum social tax obligation.

Which taxes come off your pay and in what order: Estonian payroll taxes 2026.

Going on holiday or sick leave? Holiday pay calculator and sick pay calculator.

Frequently asked questions

How much is left from a €2,000 gross salary?

In 2026, a gross salary of €2,000 leaves you €1,689 a month if you make no second pillar contribution. In 2025 the same salary left €1,551: back then the tax-free minimum had almost vanished at that income.

What gross salary do I need to take home €2,000?

With 2026 rates, about €2,406 gross, assuming no second pillar contribution. In the calculator you can switch to "from take-home pay" and enter the amount you want — the gross is worked out for you. That is the useful direction for a salary negotiation: the figure agreed is gross, but the figure you think in is what lands in your account.

How is a working pensioner's salary calculated?

At pensionable age the tax-free minimum is €776 a month and it does not depend on income. The Social Insurance Board applies it to the pension first, so only the remainder is available against your salary: on a pension of €700 you can claim €76 at work. Tick "I am of pensionable age" in the calculator and enter your pension.

What is the tax-free minimum?

It is the part of your pay that income tax is not charged on. From 2026 it is the same for everyone — €700 a month, or €8,400 a year. Before that it depended on income: the full €654 applied up to a gross of €1,200, then it tapered away and disappeared entirely at €2,100.

Why did tax use to grow faster than pay?

Because every euro above €1,200 took away part of the tax-free minimum, so a raise was effectively taxed at more than 22%. This was the so-called tax hump. From 2026 it is gone.

Should I pay 2, 4 or 6% into the second pillar?

The contribution comes out of gross pay before income tax, so it costs less than the headline number suggests: every euro you put away reduces your take-home pay by roughly 78 cents. The state adds 4% of your social tax on top regardless of what you choose. The rate can be changed once a year: apply by 30 November and the new rate starts in January.

What does a €1,000 salary cost the employer?

€1,338 a month: €1,000 gross, 33% social tax which is €330, and 0.8% employer unemployment insurance, another €8. The calculator shows this as the "employer cost" line above the results.

I have a budget of €1,500 per employee — what salary is that?

A gross salary of €1,121, of which €1,014 reaches the employee. Choose "from the employer budget" in the calculator and enter what you have set aside for the person.

What is the minimum social tax obligation?

On a small salary the employer pays social tax on at least the monthly rate: in 2026 that is €886 a month, or €292 of tax. That is why a part-time employee does not cost proportionally less. The obligation does not apply if the employee draws a state pension, is a student, raises a child under 3, has reduced capacity for work or also works elsewhere.

How do I split the tax-free minimum between two jobs?

You get one tax-free minimum per person, and it is applied by whichever employer you filed the application with. Claim the full amount from both and too little tax is withheld during the year, leaving you to pay the difference in spring. The calculator's two-job mode finds the split that leaves you with the most.

What happens if the minimum was applied twice?

Nothing immediately, but at the end of the year the Tax Board adds up all your income and asks for the difference. Agreeing on the split in advance is easier than an unexpected bill in spring.

Is income tax the same for everyone?

Yes, Estonia has a flat rate: 20% in 2024 and 22% from 2025. There are no brackets — the difference between people used to come only from the tapering tax-free minimum.

Does the calculator handle holiday pay, sick pay and bonuses?

It calculates an ordinary monthly salary. You can account for a one-off payment by adding it to the same month, since tax is worked out on everything paid out in that month.

Is my salary stored anywhere?

No. The whole calculation runs in your own browser and no figure is sent to a server. Only the selected year and mode are remembered locally so you do not have to pick them again.

Which years can I calculate for?

2024, 2025 and 2026. Switch the year at the top of the page and the calculator immediately shows what the same salary left you in the neighbouring year.

Is the calculator free?

Yes. No sign-up, no ads and no paid features.

What the calculator does not cover

The third pillar, deductions claimed in the annual return (mortgage interest, training costs, donations), fringe benefits and non-resident rules.