Household Deduction Calculator 2026 – Calculate Your Tax Saving
The Finnish household deduction reduces the real cost of renovation by hundreds or even thousands of euros. Use this calculator to quickly estimate how much deduction you can receive from work paid in 2026. The calculator uses the latest Tax Administration limits: 35% of labour costs, deductible 150 € and maximum 1,600 € per person.
Calculate household deduction
Fill in the details to get an estimate of your household deduction for 2026
Household Deduction 2026 in a Nutshell
- • Deduction: 35% of labour costs (60% for abandoning oil heating)
- • Maximum: 1,600 € / person, 3,200 € / couple
- • Deductible: 150 € / person
- • Example: 5,000 € labour = 1,600 € tax saving
Fill in the details on the left
The calculation updates automatically
How the household deduction works in 2026
The household deduction reduces the real cost of renovation when work is ordered from a company or an employee is hired directly. Below are the key limits and rates for 2026.
- The deduction covers only the labour portion, not materials or travel costs.
- Work purchased from a company: 35% of the VAT-inclusive labour cost (renovation and household work).
- Maximum is 1,600 € / person / year. Spouses can jointly receive up to 3,200 €.
- Deductible is 150 € / person / year – only the amount exceeding this qualifies.
- Abandoning oil heating is the only work with an increased 60% deduction rate (max 3,500 € / person).
- The payment year determines whether 2025 or 2026 terms apply.
What is the household deduction?
A tax deduction for renovation and household work done by a company or hired employee. The deduction directly reduces the amount of tax payable.
Deduction rates 2026
In 2026 you can deduct 35% of the labour cost when using a company. If you hire an employee, the deduction is 13% of salary and side costs. Abandoning oil heating gives a 60% deduction.
Labour cost only
The household deduction applies only to the labour portion. Materials and travel costs do not qualify, and a 150 € deductible per person always applies.
What does the calculator ask?
The calculator asks only the essential details to give you a reliable estimate of your household deduction for 2026.
Basic work details
• Labour portion of the invoice (€) – VAT is included in the amount.
• Type of work: renovation / household work (35%) or abandoning oil heating (60%).
• Whether the work is done by a company or a hired employee (13% of salary).
Household situation
• How many persons are claiming the deduction (1 or 2).
• Whether you have existing household deductions from the same year (total amount used €).
• The calculator adds previous deductions to this work so you can see how close you are to the maximum.
Household deduction examples
How the household deduction works in practice in different situations
Bathroom renovation
Deduction is capped at the maximum (1,600 € / person)
Kitchen renovation (2 persons)
A couple receives double the maximum (2× 1,600 € = 3,200 €)
Floor installation
For smaller jobs the deductible has a proportionally larger impact
Abandoning oil heating
Higher deduction rate! Abandoning oil heating gives a 60% deduction and a higher maximum (3,500 € / person)
Common mistakes when claiming the household deduction
Including materials
The deduction applies only to the labour portion. Materials are not deductible. Ensure the invoice separates labour and materials.
Paying in cash
The household deduction is only available for bank transfers. Cash payments do not qualify – always pay through a bank.
Forgetting to claim
Many forget to declare the household deduction in their tax return. Remember to report all work in your withholding or annual declaration.
Not using the couple's benefit
A couple can receive double the maximum (2 × 1,600 € = 3,200 €). Both can claim their share separately.
Frequently asked questions about the household deduction
Find answers to the most common questions about the household deduction. We are happy to help with claiming the deduction!
Didn't find your answer?
Contact us →We help with the household deduction
Kevyt Remppa ensures you get the maximum benefit from the household deduction
Want an accurate renovation quote?
Request a free quote – we respond within 24 hours and help with claiming the household deduction.
Petri Lindfors – Renovation expert
When you submit a quote request, Petri personally reviews your project and photos, estimates a realistic budget and timeline, and tells you honestly what makes sense to do now and what can wait.
200+ satisfied customers in the Helsinki metropolitan area