Find out your exact Estonia take-home pay. On a €30,000 salary, you'd take home about €2,034 a month after the flat 22% income tax, the €8,400 basic exemption, unemployment insurance, and a 2% II pillar pension contribution, an effective deduction rate of roughly 18.6%. Enter any gross salary below for your exact figures.
Rates verified How we check rates
Income tax
22%
flat, no brackets
Basic exemption
€8,400/yr
universal, 2026
Unemployment ins.
1.6%
employee side
Social tax
33%
employer-paid only
Employee-side deductions only. Social tax (sotsiaalmaks, 33%) is paid entirely by your employer on top of your gross salary, it never reduces your take-home pay, so it's excluded from the deduction total below (see the employer cost panel further down).
2026 tax year
Flat 22% income tax. Universal basic exemption: €700/month (€8,400/year), the same for everyone regardless of income. Plus 1.6% unemployment insurance and your chosen II pillar pension rate.
II pillar funded pension (voluntary):
Common salaries:
Annual take-home pay
€24,406
Per month
€2,034
Per week
€469
Effective tax rate
18.6%
How your €30,000 is split
€24,406
81.4%
€4,514
15.0%
€480
1.6%
€600
2.0%
| Gross salary | €30,000 |
| Income tax (22%) | -€4,514 |
| Unemployment insurance (1.6%) | -€480 |
| II pillar pension (2%) | -€600 |
| Total deductions | -€5,594 |
| Net take-home (annual) | €24,406 |
Calculations use 2026 Estonian income tax (flat 22%), the universal €8,400/year basic exemption, and unemployment insurance figures. Models employee-side deductions only: social tax (33%) is paid by your employer on top of gross salary and is shown separately, not subtracted from your take-home. The funded pension (II pillar) contribution is voluntary; select 0% if you have opted out. Does not model pensionable-age residents (higher basic exemption) or non-employment income. For precise figures, consult the Estonian Tax and Customs Board (EMTA) or a tax professional.
Estonia runs one of the simplest personal tax systems in Europe: a single flat 22% rate on all taxable income, no brackets to climb through. Your taxable income is gross salary minus your own unemployment insurance and II pillar contribution, both deductible, minus the basic exemption (maksuvaba tulu), which from 2026 is a flat €700/month (€8,400/year) for everyone, regardless of how much you earn. That's a real simplification: previously this exemption phased down as income rose, but that "tax hump" mechanic has been abolished.
What actually comes off your paycheque is income tax (22% of taxable income), unemployment insurance (1.6% of gross, withheld from you), and, if you're enrolled and haven't opted out, your II pillar funded pension contribution (2%, 4%, or 6%, your choice). Social tax, at a hefty 33%, is entirely separate: your employer pays it on top of your gross salary to fund state pension and health insurance, and it never touches your payslip as a deduction.
That distinction matters a lot when comparing job offers or understanding your real cost to an employer: a €30,000 gross salary actually costs an Estonian employer roughly €40,000+ once social tax and employer unemployment insurance are added on top, even though your own deductions look much lighter.
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A flat 22%. Estonia has one of the simplest personal tax systems in Europe: there are no progressive brackets, everyone pays the same 22% rate on taxable income above the basic exemption. A planned increase to 24% for 2026 was cancelled by the Riigikogu (Estonian Parliament) in December 2025, so the rate stays at 22%.
From 1 January 2026, every resident taxpayer gets a flat €700/month (€8,400/year) basic exemption, tax-free, regardless of how much they earn. This is a major simplification: previously the exemption shrank as income rose (the so-called 'tax hump'), but that phase-out has been abolished for 2026. Pensionable-age residents get a higher €776/month (€9,312/year) exemption instead.
No. Social tax (sotsiaalmaks) is 33% of gross salary, but it's paid entirely by your employer on top of your salary, it never appears as a deduction on your payslip and doesn't reduce your net pay. It funds state pension and health insurance. What does reduce your take-home is income tax (22%), employee unemployment insurance (1.6%), and your optional II pillar pension contribution.
No, it's voluntary since a 2021 reform. If you're enrolled, you can choose a contribution rate of 2%, 4%, or 6% of gross salary, or opt out entirely (0%). This calculator defaults to 2% (the original base rate) but lets you toggle between all four options to see the effect on your take-home pay.
Both employees and employers pay unemployment insurance (töötuskindlustusmakse), but at different rates: employees pay 1.6% of gross salary (withheld from your pay), and employers pay an additional 0.8% on top (not deducted from your salary). Only the employee's 1.6% affects your take-home pay.
The calculator uses confirmed 2026 Estonian Tax and Customs Board (EMTA) rates: the flat 22% income tax, the universal €8,400/year basic exemption, and current unemployment insurance figures. It models standard employment income for non-pensionable-age residents only, and doesn't cover business income, rental income, capital gains, or dividends, which are all also taxed at 22% but with different rules. For precise figures, consult EMTA or a tax professional.
Related reading
Go deeper on the mechanics behind these numbers, or see how Estonia stacks up against the UK.
What to check next
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