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Finland · Work and economy

Working in Finland as a French National: Right to Work, Salaries, Contract, Taxes and Contributions

Key points

A French national works in Finland without a work permit, like any citizen of the European Union. The law sets no minimum wage: minimums fall under collective agreements, some of which apply generally within their sector, and a usual and reasonable wage applies where there is no agreement. The median monthly salary of full-time employees was €3,611 in 2024 and the average salary €4,070 (Statistics Finland). In 2026, the maximum marginal rate of income tax was lowered to 52% (Vero, the Finnish Tax Administration), and the employee pays 7.30% in pension contributions and 0.89% in unemployment contributions (ETK, the Finnish Centre for Pensions). The currency is the euro.

  • No statutory minimum wage: minimums are set by collective agreements, some of which bind all employers in a sector (Tyosuojelu, the occupational safety and health administration, updated 14 January 2026).
  • €3,611: median monthly salary of full-time employees in 2024, against an average of €4,070 (Statistics Finland, November 2025).
  • 52%: maximum marginal rate of income tax in 2026, against about 59% previously; earned income tax credit raised to a maximum of €3,430 (Vero).
  • 8.19%: employee share in 2026, namely 7.30% for pensions and 0.89% for unemployment, to which a health insurance contribution of 1.98% is added (ETK).
  • 8 hours a day and 40 hours a week: normal working time; overtime is paid at a premium of at least 50% (InfoFinland).
  • 1.91% health insurance contribution paid by the employer and 17.10% pension contribution on average in 2026 (ETK).

Economic indicators: Finland

Updated automatically
GDP growth
+0.2 %
Inflation
0.3 %
Unemployment rate
9.5 %
GDP per capita
56,149 $
Population
5.6 million
Currency
Euro
no exchange costs

Latest figures published by the World Bank and European Central Bank reference rates, refreshed automatically.

The Right to Work: Access Without Authorisation for a French National

Citizens of the European Union work in Finland from the moment they arrive, without a work permit. For a stay of more than three months, registration of the right of residence with Migri (the Finnish Immigration Service) relies on the status of employee, self-employed person, student or on sufficient resources; it costs €53 and the certificate remains valid until further notice (Migri). The page on living in Finland details these formalities, the personal identity code and the municipality of residence.

The guide to working abroad helps you prepare the departure on the French side, from the end of the contract in France to the procedures with the funds.

Minimum Wage: No Statutory Minimum and the Role of Collective Agreements

According to the Occupational Safety and Health Administration (Tyosuojelu, page updated on 14 January 2026), Finland has no minimum wage law. Employers and employees negotiate pay in their contract, within the framework of sector-wide collective agreements. Some agreements are declared generally applicable: even an employer that is not a member of an employers’ organisation must then comply with their pay provisions; wholesale and retail trade is the example cited.

Where no agreement applies, the Employment Contracts Act requires a usual and reasonable wage for the work in question. InfoFinland specifies that employers’ organisations and trade unions have set the minimum wages in the agreements of each sector. For a specific offer, the applicable agreement is requested from the employer, who must state it in the written terms of employment.

Salary Levels

On 24 November 2025, Statistics Finland published 2024 earnings for about 1.7 million full-time employees: the median monthly salary reaches €3,611 and the average salary €4,070. The lowest-paid 10% earn less than €2,477 a month and the highest-paid 10% at least €6,115. The level of education plays a part: the median salary of holders of a doctorate is €5,685.

The breakdown by gender appears in the table on the page. These figures cover non-financial corporations, financial institutions, public administrations and non-profit organisations; the 2024 statistic relies on a renewed method that includes small employers previously absent, which calls for caution when comparing with earlier years.

Contract, Working Time and Leave

  • Contract: it is in principle open-ended; a fixed-term contract is possible where circumstances justify it, such as a temporary post, a project or a seasonal need. A probationary period may be agreed at the start of the job; either party may end it, the employer having to justify its decision (InfoFinland). Without a written contract, the employer provides the terms of employment in writing.
  • Working time: normal working time does not exceed 8 hours a day and 40 hours a week; overtime is paid at a premium of at least 50% (InfoFinland).
  • Paid leave: the employee earns two working days of leave per full month of the reference period in the first year, then two and a half days per month from one year of continuous employment. The reference period runs from 1 April to 31 March, and a month counts if it includes at least 14 days or 35 hours of work (Tyosuojelu, page amended on 4 May 2026).

Collective agreements may provide rights above the statutory minimum, in particular for leave. To compare a Finnish offer with a job in France, the guide to secondment versus expatriation recalls the differences in status.

Income Tax: Finnish Scale and the France-Finland Tax Treaty

Salaries are taxed on a progressive state scale, to which a municipal tax and other levies are added. For 2026, Vero indicates an indexation of about 3.5% of the state scale brackets, a maximum marginal rate lowered to 52% (about 59% previously), an earned income tax credit raised to a maximum of €3,430 and a basic deduction for municipal tax raised to a maximum of €4,265. The exact municipal rate depends on the municipality of residence.

  • Treaty of 11 September 1970 (in force since 1 March 1972): the salaries of a resident are taxable only in their State of residence, unless the employment is exercised in the other State, where they are then taxable (article 15). A stay not exceeding 183 days in the tax year, with an employer not resident in the State of activity and no cost borne by a permanent establishment, keeps taxation in the State of residence. Double taxation is avoided by exempting income taxable in the other State, while taking that income into account to calculate the rate (article 23).
  • New treaty of 4 April 2023: its text, published by the French tax administration, repeats the same basic rule for employment income (article 14) and provides a tax credit to eliminate double taxation (article 21). It applies only to income of the years following the one in which it enters into force; the progress of the procedure can be checked on impots.gouv.fr, and the 1970 treaty remains applicable until then.

If in doubt about tax residence or about double taxation of the same job between the two countries, the tax office for non-resident individuals in France and Vero remain the points of contact.

Social Contributions: Employee, Employer and Self-Employed

In 2026, ETK publishes the following rates. An employee’s pension contribution is 7.30% of salary, with the employer paying 17.10% on average; the employee’s unemployment contribution is 0.89% and the employer’s is 0.31% or 1.23% depending on the payroll. The employee’s health insurance contribution, which covers care and the daily allowance, is 1.98% of gross salary, and the employer’s is 1.91%. The employer deducts the employee’s share at source and also pays occupational accident insurance, the amount of which varies by insurer.

  • Employee: the total employee share comes to 8.19% for pensions and unemployment, plus 1.98% health insurance contribution.
  • Self-employed: Migri asks, as supporting documents, for a trade register extract, accounts, tax decisions or a self-employed pension insurance certificate; the rates are confirmed with ETK and Vero.
  • Seconded from France: the seconded employee stays in the French scheme with the A1 form and does not pay contributions in Finland for the duration of the secondment.

These rights open access to the regional care described in the page on the Finnish healthcare system.

Remote Work and Working for a Foreign Employer

A European framework agreement, applicable since 1 July 2023, allows an employee who teleworks less than 50% of their total time from a signatory State to remain attached to the social security scheme of their employer’s State. France and Finland are both signatories. The employer applies to the competent institution of its country with the employee’s agreement, and receives a portable A1 document (CLEISS, the French liaison centre for international social security).

Digital nomads and self-employed people settled in Finland fall under the Finnish scheme for their activity; the guide to digital nomad insurance presents the points of caution for this status.

The Finnish Economy: Sectors, Currency and Outlook

Statistics Finland reports that the volume of gross domestic product rose by 0.2% in 2025. In the second quarter of 2026, seasonally adjusted GDP rose by 0.3% on the previous quarter, driven mainly by strong industrial output, with growth in the value added of the manufacturing sector continuing since the end of 2025 (publication of 18 September 2026). The employment and unemployment figures appear in the “Economic indicators” block below.

  • Currency: Finland uses the euro, which removes the exchange-rate risk for a salary paid in euros.
  • Outlook: growth, inflation and unemployment forecasts are continuously updated in the “Economic indicators” block on this page.

Monthly Salary of Full-Time Employees

IndicatorMonthly amount
Median salary, overall€3,611
Median salary, men€3,884
Median salary, women€3,373
Average salary, overall€4,070
Lowest-paid 10%less than €2,477
Highest-paid 10%€6,115 or more
Median salary of doctorate holders€5,685

Source: Statistics Finland, 2024 earnings published on 24 November 2025 (full-time employees, private sector and public administrations).

Frequently asked questions

Does a French national need a work permit in Finland?

No. A citizen of the European Union works in Finland from arrival without a permit. For a stay of more than three months, they register their right of residence with Migri (€53), then request a personal identity code from the DVV.

Is there a minimum wage in Finland?

The law sets no minimum wage. Minimums result from sector-wide collective agreements, some of which apply to all employers in the sector; without an agreement, the wage must be usual and reasonable for the work concerned (Tyosuojelu, InfoFinland).

What is the average salary in Finland?

According to Statistics Finland, full-time employees earned in 2024 a median monthly salary of €3,611 and an average salary of €4,070; the lowest-paid 10% earned less than €2,477 and the highest-paid 10% at least €6,115.

How much income tax do you pay in Finland?

The state scale is progressive and is added to the municipal tax, the rate of which depends on the municipality. In 2026, the maximum marginal rate is 52%, with an earned income tax credit that can reach €3,430 (Vero).

What does the tax treaty between France and Finland provide for salaries?

The 1970 treaty taxes a resident's salary in their State of residence, unless the employment is exercised in the other State. A stay of 183 days or less in the tax year, with a non-resident employer, keeps taxation in the State of residence. A new treaty was signed on 4 April 2023 and applies only once it enters into force.

What social contributions are due on a Finnish salary?

In 2026, the employee pays 7.30% in pension contributions, 0.89% in unemployment contributions and a 1.98% health insurance contribution. The employer pays on average 17.10% in pension contributions, 1.91% in health insurance contributions and 0.31% or 1.23% in unemployment contributions (ETK).

How many days of paid leave do you get in Finland?

The employee earns two working days of leave per full month in the first year, then two and a half days per month from one year of continuous employment; the reference period runs from 1 April to 31 March.

Does an employee seconded from France pay contributions in Finland?

No, if they hold the A1 form: they remain attached to the French scheme for the duration of the secondment and do not pay contributions in Finland. Details of durations and extensions are on europa.eu and from CLEISS.

More guides: Finland