International CVsAIResume Editorial Team

Finland CV Format 2026: Työhakemus, Collective Pay, Permits, Labour Law and Tax

A Finnish CV (ansioluettelo) is short, factual and sent with a one-page application letter (hakemus). Job Market Finland (Työmarkkinatori), the public employment portal, advises a one-page letter and a CV of no more than two pages, with the latest experience first.[^1][^2] None of this is law. What

Finland CV Format 2026: Työhakemus, Collective Pay, Permits, Labour Law and Tax

By AIResume Editorial Team

Last updated: 1 November 2026

A Finnish CV (ansioluettelo) is short, factual and sent with a one-page application letter (hakemus). Job Market Finland (Työmarkkinatori), the public employment portal, advises a one-page letter and a CV of no more than two pages, with the latest experience first.[^1][^2] None of this is law. What the law does regulate is whom an employer may not discriminate against, what personal data it may collect about you, when it may ask for credit data, tests or a criminal-record extract, and what you are paid and charged once you are hired.

This guide covers the CV and the letter, discrimination and privacy rules, an annotated fictional CV, recognition of foreign qualifications, pay under collective agreements, the economy, permits, labour law, social security, taxes and job scams. It is written for Finnish residents, EU/EEA nationals, non-EU skilled workers (employed-person permit, specialist permit, EU Blue Card), international graduates, Working Holiday makers from Japan and Japanese nationals. For job boards and a longer look at where to search, see our Finland job-board guide; this article summarises its permit and tax sections and does not repeat its board lists.

Editorial boundary: This is practical job-search guidance, not legal, immigration or tax advice. Our references are the law texts on Finlex, the Ministry of Economic Affairs and Employment, Job Market Finland (Työmarkkinatori), the Finnish Immigration Service (Migri), the Non-Discrimination Ombudsman, the Ombudsman for Equality, the Data Protection Ombudsman, the Occupational Safety and Health Administration, the Finnish National Agency for Education (OPH), Valvira and its successor, Kela, the Finnish Tax Administration (Vero), Statistics Finland and the Bank of Finland and ECB. We only list figures we could read in an official or primary source, and we mark the rest as "commonly advised" or "reported". Several official sites refused automated requests, among them those of the Data Protection Ombudsman, the Non-Discrimination Ombudsman, the Ombudsman for Equality, the police and the occupational safety authority, and Migri's site needed a browser; where we could not open a page we say "reported" and rely on the law text instead.

Exchange rates move daily. This guide uses the European Central Bank reference rates of 30 October 2026: EUR 1 = US$1.1172 = JPY 175.68. At those rates EUR 1,600 a month is about US$1,788 / JPY 281,100, and EUR 3,000 a month is about US$3,352 / JPY 527,000.[^3]

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Finnish CV format at a glance

What to put on a Finnish CV: 1 to 2 pages, latest job first, optional photo, no henkilötunnus, a one-page application letter, references only after you have asked the people
What to put on a Finnish CV: 1 to 2 pages, latest job first, optional photo, no henkilötunnus, a one-page application letter, references only after you have asked the people
TopicPractice in 2026Law or official guidance
LengthCV of at most two pages, latest experience first, in clear sections (work, education, skills)Job Market Finland[^1][^2]
LanguageWrite in the language of the advert: Finnish, Swedish or English depending on the employer and sector. English CVs are common in international and technology firms; many workplaces expect Finnish or SwedishPractice, not law
PhotoOptional. Job Market Finland's guidance does not mention one. No law requires or bans a photoPractice, not law[^1]
Personal dataName, phone, e-mail and city. An employer may process only data directly necessary for the employment, and consent cannot waive that. Age, nationality, family relationships and health are protected grounds, so none is needed to applyAct 759/2004 s.3; Act 1325/2014 s.8[^4][^5]
HenkilötunnusLeave it out; the employer asks for it when you are hired. The Data Protection Act allows employers to process it in employment matters, so this is advice, not a banAdvice only
Marital status, childrenNot needed. The Ombudsman for Equality is reported to treat questions about pregnancy or plans for children as contrary to the Equality Act, and an applicant may decline to answerAct 609/1986[^6]
Military or civilian serviceA line is a custom for Finnish men (asevelvollisuus, siviilipalvelus), not a rule; we found no law on it. Applicants from abroad can leave it outEditorial advice
Salary requestA palkkatoive is commonly given as a gross monthly figure in euros when the advert asks for it. No law requires itCustom, not law
Right to workNon-EU applicants: one line with the permit type and its end date. EU/EEA applicants need noneEditorial advice
ReferencesName two or three people you have asked, and offer them on request. The employer needs your consent to collect data elsewhereAct 759/2004 s.4[^4]
Application letterOne page, tailored to the advertJob Market Finland[^1]
File formatPDF, unless the advert says otherwiseEditorial advice

Discrimination law, privacy and fair hiring

What employers may not do or ask

Non-Discrimination Act (1325/2014). Section 8 bans discrimination on grounds of age, origin, nationality, language, religion, belief, opinion, political activity, trade union activity, family relationships, state of health, disability, sexual orientation or another personal reason. It also covers harassment, refusal of reasonable accommodation and instructions to discriminate. In a hiring case, compensation must be claimed within one year of the rejected applicant learning of the selection decision (s.26).[^5]

Equality Act (609/1986). The Act bans discrimination on grounds of sex, gender identity, gender expression and pregnancy or childbirth. From 1 October 2026 Act 805/2026 also names parenthood and family-care responsibilities in s.8.[^7][^8] Under s.10, an applicant who thinks they were passed over because of sex can ask for a written explanation, and the employer must give it "without delay" (viivytyksettä); the text sets no number of days. It must show the selection criteria and the chosen person's education, work experience and other merits. Compensation is at least EUR 3,240 (about US$3,620 / JPY 569,200), and for a hiring case where the applicant would not have been chosen anyway the maximum is EUR 16,210 (about US$18,110 / JPY 2,847,800). Since 1 October 2026 the claim period is two years from the breach, including hiring cases.[^7][^8]

Privacy in Working Life Act (759/2004). Section 3 lets the employer process only data directly necessary for the employment relationship, and the employee's consent cannot waive that. Under s.4 the employer collects data primarily from you; collecting it elsewhere, such as from referees, needs your consent. If the employer gathers data for a reliability check, it must tell you beforehand.[^4]

Aptitude tests, credit data and drug tests

  • Aptitude tests (s.13). Testing needs your consent. The employer must use reliable methods and competent testers, and on request you receive the written statement free of charge.[^4]
  • Credit data (s.5a). Only for the applicant who has been selected for the job, and only where the work needs special reliability: authority to make significant financial commitments, granting or supervising significant credit, access to especially protected trade secrets, IT rights to move funds, handling significant sums or valuables without direct supervision, guarding property, or normally unsupervised work in a private home. The employer pays and must tell you which register it uses.[^4]
  • Drug tests (chapter 3, ss.6 to 12). A drug-test certificate may be processed only for the selected applicant, with consent, in jobs where impairment would endanger life, health, traffic safety, information security and similar interests. The employer must announce this at the application stage and pays for the test.[^4]

Criminal-record extracts

Employers cannot ask for an extract in general. Act 504/2002 covers work with minors: the employer asks the person it first hires for such duties to show an extract no older than six months.[^9] According to the Legal Register Centre (Oikeusrekisterikeskus), employers providing health and social services may also require an extract for work with older people (from 1 January 2024) and with disabled people (from 1 January 2025).[^10] You order the extract yourself: EUR 6 in the online service (about US$6.70 / JPY 1,054) or EUR 12 otherwise (about US$13.41 / JPY 2,108), in about seven working days. The employer may not copy it.[^11][^12]

References

References are your choice. Because s.4 of Act 759/2004 requires your consent before an employer collects data from other sources, a recruiter has to ask you before phoning a referee. Tell your referees which job it is before you name them.[^4]

Anonymous recruitment

The only Finnish programme we could verify is the City of Helsinki pilot of February to December 2020. Name, birth date, sex, address and school name were hidden until interview invitations, for set job titles. Labore's evaluation (12 September 2023) found that anonymisation raised the hiring probability of applicants with foreign-sounding names and had no effect by sex.[^13] We found no source for a wider rollout.

Structure of a Finnish CV

Job Market Finland lists clear sections for work, education and skills, with the latest experience first, and says languages, IT skills and referees may be added. It suggests Europass when you apply abroad.[^1][^2] The Finnish headings below are the usual equivalents; the order is editorial advice.

  1. Yhteystiedot (contact details). Name, phone, e-mail, city and, optionally, a LinkedIn profile. Photo only if you choose one.
  2. Profiili (profile). Two or three lines on who you are and the job you want.
  3. Työkokemus (work experience). Latest job first, with employer, title, place and dates. Under each add two to four bullets with a result you can defend at interview, with numbers where you have them.
  4. Koulutus (education). Highest degree first. For a foreign degree, mention an OPH decision if you have one.
  5. Osaaminen (skills). Tools and methods that the advert asks for, matched honestly to its wording.
  6. Kielitaito (languages). State a level for each language. The Finnish national language test (YKI) reports results on its own scale; name the test and the result as written on your certificate rather than converting it yourself.
  7. Ajokortti (driving licence). Only if the job needs one.
  8. Suosittelijat (references). Two or three people you have asked.

For a CV read by an applicant tracking system (ATS), use plain headings, one column and standard fonts; our ATS-friendly CV guide explains how.

Finland vs Sweden vs Germany

We read no primary source that compares these countries' CV customs, so the table shows only what is confirmed for Finland and where to check the others.

PointFinlandSweden and Germany
LengthCV of at most two pages, letter of one page[^1]See our Sweden job-board guide; check a local guide for Germany before you reuse the CV
PhotoOptional; not mentioned in Job Market Finland's guidance[^1]Check the local guide
Pay systemNo statutory minimum wage; collective agreements set floors[^14]Check the local guide

Annotated fictional Finnish CV

The sample is entirely fictional: person, employers, contacts and numbers. It sets no legal rule, and employers are described generically on purpose. Replace every item with truthful information. Only the headings are in Finnish; have a native speaker read any Finnish text before you send it.

Yuki Esimerkki, Data Analyst · Tampere · [email protected] · +358 40 123 4567

*Annotation: fictional contacts. A city is enough; the full street address is optional. No photo, no henkilötunnus and no date of birth.*

Right to work: Japanese citizen · Finnish residence permit for an employed person, valid to August 2028 (fictional)

*Annotation: one line for a non-EU applicant. EU/EEA applicants leave it out.*

Profiili

Data analyst with five years in manufacturing and logistics, focused on reporting automation and demand forecasts. Looking for an analyst role in the Tampere region; working languages English and Japanese, Finnish in progress.

Työkokemus

DatesRole and employerDetail
April 2023 to presentData Analyst, a Tampere-based machinery manufacturer (fictional)Rebuilt the weekly sales report in SQL and Python, cutting preparation from eight hours to two. Trained four colleagues on the new dashboards.
June 2021 to March 2023Logistics Analyst, an Espoo-based software company (fictional)Forecast monthly delivery volumes with an error of 6%, down from 11%.

*Annotation: latest job first, one result per role. If readers will not know the firm, say what it makes and roughly how large it is.*

Koulutus

DatesQualificationDetail
2016 to 2020Bachelor of Engineering in information systems, Example University, Osaka (fictional)OPH recognition decision attached (fictional)

*Annotation: give the official name of the award and mention the OPH decision if you have one.*

Osaaminen: SQL (daily) · Python (pandas) · Power BI · demand forecasting · Excel

Kielitaito: Japanese (native) · English (fluent) · Finnish (YKI result 2, fictional)

Ajokortti: B

Suosittelijat: Two names, one at the Tampere manufacturer and one at the Espoo company, shared once you have asked them and the employer is interested (fictional).

*Annotation: ask your referees first and tell them which job it is. The same CV fits a Helsinki, Oulu or Turku advert after you tailor the profile and the skills list.*

Application letters, interviews and offers

The letter (työhakemus). Job Market Finland advises a one-page letter.[^1] It is commonly advised to open with the job title and why you fit it, give two or three proof points from the CV, and end with availability. If you apply by e-mail, the portal's advice is the subject line "Hakemus" plus the job title, with the CV attached.[^1]

Interviews. The law does not list forbidden questions, but the discrimination grounds above and the necessity rule in Act 759/2004 s.3 limit what an employer may ask. You may decline questions about pregnancy or plans for children.[^4][^6]

Written terms. Under the Employment Contracts Act (55/2001) ch.2 s.4, the employer must give you a written statement of the main terms by the end of the first pay period, unless they are already in a written contract. This applies to open-ended contracts and to fixed-term contracts of more than one month, and the statement includes the trial period. From 1 June 2026 it must also say if a fixed term has no stated reason.[^14]

Trial period. Up to six months from the start of work; in a fixed-term contract at most half the contract length. It is extended by one month for each 30 calendar days of incapacity or family leave, and cancellation may not rest on a discriminatory ground (ch.1 s.4).[^14]

Notice. Employer: 14 days (up to one year of service), one month (1 to 4 years), two months (4 to 8), four months (8 to 12) and six months (over 12). Employee: 14 days up to five years of service, then one month (ch.6 s.3).[^14]

Public-sector applications

Municipalities and wellbeing counties post vacancies on Kuntarekry, and state employers on Valtiolle.[^15][^16] Both pages opened for us. We found no general rule on citizenship or language skills for public posts in the sources we could read; each advert states its own requirements, and regulated professions have separate language rules (see the next section). Read the advert for the application deadline and the attachments it asks for.

Qualifications, licences and documents

OPH recognition. The Finnish National Agency for Education (OPH) issues a decision on the recognition of a foreign qualification, for people who need it for a regulated profession or public-sector eligibility, and a final decision after a conditional one. Processing takes on average three to four months. For applications received from 1 January 2026 the fee is EUR 100 for processing plus EUR 395 for the decision, EUR 495 in all (about US$553 / JPY 87,000); a final decision costs EUR 100 (about US$112 / JPY 17,570). You send copies of your certificate, transcript and proof of nationality; OPH does not list an apostille as a requirement.[^17][^18][^19]

Health-care licences. Valvira ended its work on 31 December 2025, and licensing moved to the Lupa- ja valvontavirasto (LVV, the Permits and Supervision Agency) on 1 January 2026.[^20] Valvira's 2025 statement on language skills set YKI levels 3 to 4 for health-care staff, as reported; confirm the level for your profession with LVV.

Apostille and documents for Japanese applicants

Finland and Japan are both parties to the Hague Apostille Convention (Finland since 1985, Japan since 1970).[^21] A Finnish recipient asks for an apostille only if it needs one. The Ministry of Foreign Affairs (MOFA) issues it free of charge, about three business days after receipt, and not by post from abroad; an agent in Japan must apply. A document with an issue date more than three months old is generally refused, except one-time documents such as degree diplomas.[^22]

  • University certificates. Certificates from incorporated national or public universities and from private universities cannot go to MOFA directly. The route is notary (公証役場) attestation, then certification by the Legal Affairs Bureau (法務局), then the MOFA apostille.[^22]
  • 犯罪経歴証明書 (criminal-record certificate). Issued by the prefectural police (in Tokyo, the Metropolitan Police Department), free of charge, with fingerprints taken in person. It is sealed, and opening it voids it. People living abroad can apply through Japanese embassies or consulates, which takes about two months or more. MOFA can apostille it.[^23][^24]

Pay: no statutory minimum wage, collective agreements instead

Finland pay in 2026: no statutory minimum wage, retail agreement EUR 1,979 a month, hotel and restaurant EUR 1,903, employed-person permit EUR 1,600, specialist and Blue Card EUR 3,937
Finland pay in 2026: no statutory minimum wage, retail agreement EUR 1,979 a month, hotel and restaurant EUR 1,903, employed-person permit EUR 1,600, specialist and Blue Card EUR 3,937

Finland has no statutory minimum wage. Pay floors come from collective agreements (työehtosopimus, TES), and under the Employment Contracts Act ch.2 s.7 a generally binding agreement applies to every employer in its sector. Where none applies, ch.2 s.10 only requires "reasonable pay".[^14] The tables below come from the unions and are floors for a sector, not national rates.

Floor or benchmarkEUR a monthUS$ / JPYValid
Retail, lowest table pay, rest of Finland1,979about US$2,211 / JPY 347,700From 1 August 2026[^25]
Hotels and restaurants, lowest table pay1,903about US$2,126 / JPY 334,300From 1 June 2026[^26]
Migri minimum, employed-person permit1,600about US$1,788 / JPY 281,1002026[^27]
Migri minimum, specialist permit and EU Blue Card3,937about US$4,398 / JPY 691,6002026[^27]
Median full-time earnings, 20243,615about US$4,039 / JPY 635,100Statistics Finland[^28]
Average full-time earnings, 20244,075about US$4,553 / JPY 715,900Statistics Finland[^28]

The permit threshold for an employed person is gross pay of at least EUR 1,600 a month in 2026 and at least the collective-agreement pay; part-time pay is calculated as hours times hourly wage times 4.3. The specialist and EU Blue Card thresholds are EUR 3,937 gross a month, and fringe benefits and daily allowances are not counted.[^27]

Lomaraha (holiday bonus). It is not in the Annual Holidays Act. It comes from collective and civil-service agreements, and 50% of holiday pay is the usual level; payment time and conditions vary by agreement.[^29]

A government bill on pay transparency (HE 129/2026) proposes to take effect on 1 January 2027; it is not yet law.[^30]

What this means for a job seeker: ask which agreement covers the job and which pay group you fall into. For a non-EU worker, the permit floor is the pay the offer must clear: EUR 1,600 and the agreement pay, or EUR 3,937 for the specialist and Blue Card routes.

Finland's economy in numbers

Finland real GDP growth and consumer price inflation, 2020 to 2025 (World Bank data)
Finland real GDP growth and consumer price inflation, 2020 to 2025 (World Bank data)
Indicator202020212022202320242025
GDP (USD billion)270.0294.2280.3295.2298.7317.0
GDP per person (USD)48,82953,09950,44152,86553,15656,149
Real GDP growth (%)-2.52.70.8-1.30.40.2
Inflation (%)0.32.27.16.31.60.3
Population (million)5.535.545.565.585.625.65

*Source: World Bank, World Development Indicators (accessed 21 October 2026).*[^31]

World Bank (ILO-modelled) unemployment for 2025 is 9.5%, with youth (ages 15 to 24) at 21.5%, and the World Bank counts an international migrant stock of 514,432 for 2024.[^31] The national figures are more recent and use Statistics Finland's own survey. In September 2026 the unemployment rate was 10.4% (seasonally adjusted 10.9%, trend 10.5%), up from 9.1% a year earlier, with about 298,000 people unemployed. The employment rate for ages 20 to 64 was 75.7% (seasonally adjusted).[^32] At the end of 2025 Finland had 5,652,881 residents, of whom 646,392 (11.4%) spoke a foreign language and 432,654 (7.7%) held foreign citizenship.[^33][^34]

What this means for a job seeker: with unemployment above 10%, competition for advertised jobs is real, and the rate does not say which sectors hire or how much Finnish they expect. About one resident in nine speaks a foreign language, so employers are used to international colleagues, but read the adverts of your sector before deciding how much Finnish to plan for.

Permits and rules for foreign workers

Finland routes to work: EU and EEA registration, employed-person permit, specialist, EU Blue Card, fast track and the Japan working holiday
Finland routes to work: EU and EEA registration, employed-person permit, specialist, EU Blue Card, fast track and the Japan working holiday
RouteWho it is forKey conditionNote
EU and EEA free movementCitizens of EU and EEA countriesRegistration is needed if you stay longer than three months; none for shorter staysNordic citizens register with DVV, not Migri[^35]
Employed-person permitNon-EU workers with a job offerGross pay of at least EUR 1,600 a month in 2026 and at least the collective-agreement payPart-time: hours times hourly wage times 4.3[^27]
Specialist permitSpecialists with a job offerGross pay of at least EUR 3,937 a month in 2026Fringe benefits and daily allowances not counted[^27]
EU Blue CardHighly qualified workersGross pay of at least EUR 3,937 a month in 2026Same Migri page[^27]
Fast trackSpecialists, Blue Card holders, startup entrepreneurs, intra-company transferees, top and middle managementMigri aims to decide in about two weeksA service target, not a guarantee; first permits only, applied for from abroad[^36]
Working holiday (Japan)Japanese citizens aged 18 to 30Up to one yearA residence permit; see below[^37]

If you lose your job. Since 11 June 2025 a work-permit holder has three months to find new work, and six months if a specialist, Blue Card holder or holder of a work-based permit for over two years. The permit may be withdrawn if there is no new work or other ground at the end of that period, and the employer must report an early end of employment to Migri within 14 days.[^38]

Employer checks. Under the Aliens Act (301/2004) s.86a, the employer must check your right to work before you start.[^39]

Job-seeker profile. From 1 September 2026, a job seeker registered with the employment services must create and publish a profile on Job Market Finland within 15 working days of the job search starting (Act 380/2023 s.129, as amended by Act 1412/2025).[^40]

Japanese nationals

Japanese citizens do not need a visa for short Schengen stays of up to 90 days in any 180-day period, but visa-free entry gives no right to work. Check the EU Entry/Exit System and ETIAS timetable before you travel.[^41]

The Japan-Finland working holiday agreement was signed on 11 May 2022 and entered into force on 1 August 2023.[^37][^42][^43] Migri sets these terms: ages 18 to 30, a holiday as the main purpose and work as secondary, no dependants travelling, funds of about EUR 2,450 for the first three months (about US$2,737 / JPY 430,400), insurance and a permit of up to one year. The first permit is applied for abroad, and Migri shows a fee of EUR 530 for an electronic application (about US$592 / JPY 93,100).[^37] MOFA lists no cap on participants going to Finland; the cap of 200 applies to Finnish participants going to Japan.[^44]

MOFA counted 2,545 Japanese residents in Finland on 1 October 2025, of whom 1,484 were permanent and 1,061 long-term residents.[^45]

The Japan-Finland social security agreement has been in force since 1 February 2022. It covers pensions (in Finland, TyEL) and unemployment insurance, not health insurance. Postings can last up to five years, extendable to eight by agreement of both countries; the Japan Pension Service issues the certificate of coverage.[^46][^47]

Labour law: hours, leave, notice and dismissal

Your contract may be better than these minimums, and a collective agreement can change several of them.

TopicRuleLaw
Regular hours8 hours a day and 40 a week; average cap of 48 hours a week over four monthsWorking Hours Act 872/2019 ss.5, 16, 18[^48]
OvertimeDaily overtime +50% for the first 2 hours, +100% after; weekly overtime +50%Working Hours Act s.20[^48]
Sunday work+100%, on top of any overtimeWorking Hours Act ss.17, 20[^48]
Annual leave2.5 weekdays per full month, or 2 if employment has lasted under a year at the end of the accrual year (31 March); holiday season 2 May to 30 SeptemberAnnual Holidays Act 162/2005 ss.4, 5[^49]
Sick payFull pay until the end of the 9th working day after the day you fall ill, if employment has lasted at least a month; 50% if shorterEmployment Contracts Act ch.2 s.11[^14]
Trial periodUp to 6 months; fixed-term at most half the contract lengthEmployment Contracts Act ch.1 s.4[^14]
NoticeEmployer 14 days to 6 months by service; employee 14 days, one month after five yearsEmployment Contracts Act ch.6 s.3[^14]

Leave grows to 24 to 30 weekdays a year with service. A holiday bonus is not statutory (see the pay section). There is no statutory severance pay.

Dismissal reform. Since 1 January 2026 (Act 1390/2025), an employer may dismiss for reasons connected with the person if there is a proper reason (*asiallinen syy*), judged as a whole, and a warning is required except for a very serious breach. Dismissals on economic or production grounds still need a proper and weighty reason (*asiallinen ja painava syy*). Conduct before 1 January 2026 is judged under the old rule.[^50]

Fixed-term contracts. Since 1 June 2026 (Act 412/2026), a fixed-term contract needs no stated reason when it is the first employment relationship between the employer and the employee in the previous five years, and it may last at most one year. Otherwise a justified reason is still needed.[^51]

2026 public holidays

Under the Annual Holidays Act s.4, Sundays, church holidays, Independence Day, Christmas Eve, Midsummer Eve, Easter Saturday and 1 May count as non-working days for holiday-pay purposes. Whether you are paid for a holiday depends on your contract and agreement.[^49]

HolidayDate in 2026
New Year's DayThursday 1 January
EpiphanyTuesday 6 January
Good FridayFriday 3 April
Easter SaturdaySaturday 4 April
Easter SundaySunday 5 April
Easter MondayMonday 6 April
May DayFriday 1 May
Ascension DayThursday 14 May
Whit SundaySunday 24 May
Midsummer EveFriday 19 June
Midsummer DaySaturday 20 June
All Saints' DaySaturday 31 October
Independence DaySunday 6 December
Christmas EveThursday 24 December
Christmas DayFriday 25 December
Boxing DaySaturday 26 December

Nine of these dates fall on a weekday (1 and 6 January, 3 and 6 April, 1 and 14 May, 19 June, 24 and 25 December); the others fall on a Saturday or Sunday and add no extra weekday off.

Social security: what you pay and what you get

Finland social security in 2026: TyEL pension 7.30% employee, unemployment insurance 0.89%, health insurance 1.10%, general support EUR 37.21 a day
Finland social security in 2026: TyEL pension 7.30% employee, unemployment insurance 0.89%, health insurance 1.10%, general support EUR 37.21 a day

Employee contributions are deducted from pay; the employer pays its own share. Vero lists these 2026 rates.[^52]

ContributionEmployeeEmployer
TyEL earnings-related pension7.30% for all ages17.10% on average
Unemployment insurance0.89%0.31% of payroll up to EUR 2,509,500; 1.23% above
Health insurance, medical care1.10%-
Health insurance, daily allowance0.88% (0% if annual income is below EUR 17,255)-
Sickness insurance-1.91%

Adding the four employee items gives about 10.2% of pay before tax (our arithmetic from Vero's rates).[^52][^53]

Kela coverage for workers moving to Finland. Kela says work with earnings of at least EUR 800.02 a month (about US$894 / JPY 140,500) gives you certain Kela benefits from the start of the job.[^54]

Unemployment benefit. The earnings-related allowance, paid by an unemployment fund, needs 12 months of work within the previous 28 months, with insured pay of at least EUR 930 a month (about US$1,039 / JPY 163,400), and 12 months of fund membership. You receive the full amount for 40 days, then 80% until 170 days of payment, then 75%.[^55] On 1 May 2026 Kela's basic unemployment allowance and the labour market subsidy ended. They were replaced by the general support (yleistuki) of EUR 37.21 a day (about US$41.57 / JPY 6,537), which requires permanent residence in Finland.[^56] Foreigners who are fund members and meet the work condition can receive the earnings-related allowance; check with your fund and Kela.

What this means for a job seeker: a salaried employee pays 7.30% for the TyEL pension and 0.89% for unemployment insurance, plus the medical-care contribution. Joining an unemployment fund early matters, because the earnings-related allowance needs 12 months of membership.

Taxes on employees

Finland has a progressive state income tax, a flat municipal tax and a few smaller charges. Vero lists the 2026 state scale.[^57]

Taxable annual income (EUR)State income tax
0 to 22,00012.64%
22,000 to 32,600EUR 2,780.80 + 19.00% of the part above 22,000
32,600 to 40,100EUR 4,794.80 + 30.25% of the part above 32,600
40,100 to 52,100EUR 7,063.55 + 33.25% of the part above 40,100
Above 52,100 (about US$58,200 / JPY 9,153,000)EUR 11,053.55 + 37.50% of the part above 52,100
  • Municipal tax. The 2026 rate runs from 4.70% (Kauniainen) to 10.90% (Pomarkku), with a weighted average of 7.57%.[^58]
  • Church tax. Church members pay it at a parish rate; check your parish.
  • Yle tax. 2.5% of income above EUR 15,150, with a maximum of EUR 160.[^53]
  • Tax card. Without a tax card for wages, 60% is withheld, so apply for one before your first payday.[^59]
  • Key-employee source tax. A flat 25% from 2026, under the Act on source tax of foreign key employees (1551/1995). Conditions include pay of at least EUR 5,800 a month (about US$6,480 / JPY 1,019,000) throughout, special expertise and no Finnish tax residence in the five preceding years; it applies for at most 84 months.[^60]
  • Short stays. Tax at source is normally 35% for a non-resident staying up to six months; EU/EEA residents can ask for progressive taxation.[^61]
  • VAT. The standard rate is 25.5%. The reduced rate fell from 14% to 13.5% on 1 January 2026 for items such as food, restaurant meals, books, medicines and passenger transport; 10% now applies only to newspapers and magazines.[^62]

Municipal tax vs Japan's 住民税

Finland's municipal tax (kunnallisvero) is the nearest equivalent of Japan's resident tax (住民税, jūminzei): both are local, and your home municipality sets the rate. The difference is timing and method. Kunnallisvero is a flat percentage of your earned income, withheld at source from each payslip together with state tax according to your tax card. Japan's 住民税 is billed on the previous year's income.[^58]

What this means for a job seeker: only the part of your income above each limit is taxed at the higher state rate, and the municipal tax is added on top. Check the rate on your tax card and your first payslip.

Where to find jobs, recruitment agencies and job scams

Job Market Finland is the public portal; Kuntarekry and Valtiolle cover the public sector. Our Finland job-board guide lists the private boards, English-language channels and agencies, so we do not repeat them here.

Fee ban. Under Act 380/2023 s.144, private labour-service providers may not charge a personal customer for brokering a job, for information or advice about vacancies and job search, or for registering as a job seeker. They also may not charge an agency worker who later moves to the user company. A breach is punishable under the Criminal Code, chapter 47 s.6. Treat any request for a fee as a warning sign.[^40]

Scams.

  • On 4 July 2025 Job Market Finland warned of fake messages sent in the name of the employment services that offer jobs and ask you to move to WhatsApp.[^63]
  • The National Cyber Security Centre Finland (NCSC-FI) weekly reviews describe WhatsApp job offers with small early payments followed by requests for your own money, and fake job adverts and fake applicant approaches.[^64][^65]
  • Never send passport or identity copies before you accept an offer, and drop any offer that asks you to receive and forward money for someone else.
  • Report suspected fraud through the NCSC-FI or the police.[^66]

Final checks before you apply

  • [ ] The CV is at most two pages, tailored to the advert and in its language, with the latest job first.
  • [ ] I decided about the photo (optional) and left off my henkilötunnus.
  • [ ] If I need a permit, one line states my permit type and end date; my gross pay is at least EUR 1,600 a month and the collective-agreement level (EUR 3,937 for the specialist permit or Blue Card).
  • [ ] The letter is one page and does not repeat the CV.
  • [ ] I asked my referees first and told them which job it is.
  • [ ] I know which collective agreement covers the job and that the offer is at or above its minimum.
  • [ ] I will receive written terms by the end of the first pay period, and I know the trial-period and notice rules.
  • [ ] I have a tax card, or I know that without one 60% is withheld.
  • [ ] No one has asked me for a fee for a job or a permit.

FAQ

What is the standard Finnish CV format?

There is no legal template. Job Market Finland advises a one-page application letter and a CV of at most two pages, with the latest experience first and clear sections for work, education and skills.

Should a Finnish CV include a photo?

It is optional. No law requires or bans one, and Job Market Finland's guidance does not mention it. If you add one, keep it professional; leave it out of a CV built for an ATS.

Do I have to put my age, henkilötunnus or family status on the CV?

No. Employers may process only data directly necessary for the employment, and you cannot waive that by consent. Age and family relationships are protected grounds under the Non-Discrimination Act. Leave out your henkilötunnus; the employer asks for it when you are hired.

Is there a minimum wage in Finland?

There is no statutory minimum wage. Collective agreements set sector floors, for example EUR 1,979 a month (about US$2,211 / JPY 347,700) in retail from 1 August 2026 and EUR 1,903 in hotels and restaurants from 1 June 2026.

What is the salary requirement for a work permit?

Gross pay of at least EUR 1,600 a month (about US$1,788 / JPY 281,100) for an employed-person permit in 2026, and at least the collective-agreement pay. The specialist permit and the EU Blue Card need EUR 3,937 (about US$4,398 / JPY 691,600).

Can Japanese citizens work in Finland on a Working Holiday?

Yes, if aged 18 to 30. The agreement has been in force since 1 August 2023, the permit lasts up to one year, you need about EUR 2,450 for the first three months and the first permit is applied for abroad. MOFA lists no cap for Japanese going to Finland.

Can an employer run a credit check or a drug test on me?

Only on the applicant who has been selected for the job, and only in the job types the Privacy in Working Life Act lists. Drug tests need your consent and an announcement at the application stage, and the employer pays.

Can an employer ask for a criminal-record extract?

For work with minors, Act 504/2002 lets the employer ask to see an extract; employers may also require one for work with older people (from 1 January 2024) and disabled people (from 1 January 2025). You order it for EUR 6 online or EUR 12 otherwise, in about seven working days.

Is there a local income tax like Japan's 住民税?

Yes, in a different form. Finland's municipal tax is 4.70% to 10.90% (average 7.57%) and is withheld at source from each payslip, while Japan's 住民税 is billed on the previous year's income. State tax of 12.64% to 37.5% is added.

How many days of leave and public holidays do I get?

Leave accrues at 2.5 weekdays per full month (2 in the first year). In 2026 the list above has 16 holiday dates, of which nine fall on a weekday.

How to use AIResume

Keep one master CV in AIResume and cut a Finnish and an English version for each advert: use the advert's keywords, lead with your strongest result and add one right-to-work line if you need a permit. Leave out your henkilötunnus, export a PDF and check it with our ATS-friendly CV guide before you apply.

Sources

[^1]: Job Market Finland, job-search tips

[^2]: Job Market Finland, three tips for filling in your CV (2026)

[^3]: ECB, euro foreign exchange reference rates (30 October 2026)

[^4]: Finlex, Act on the Protection of Privacy in Working Life 759/2004

[^5]: Finlex, Non-Discrimination Act 1325/2014

[^6]: Ombudsman for Equality, job interviews: no questions on pregnancy or childcare

[^7]: Finlex, Act on Equality between Women and Men 609/1986

[^8]: Finlex, Act 805/2026 amending the Equality Act

[^9]: Finlex, Act on checking the criminal background of persons working with children 504/2002

[^10]: Legal Register Centre, extracts for working with the elderly and disabled

[^11]: Legal Register Centre, ordering an extract from the criminal records

[^12]: Legal Register Centre, extracts for working with children

[^13]: Labore, anonymous recruitment evaluation slides (12 September 2023)

[^14]: Finlex, Employment Contracts Act 55/2001

[^15]: Kuntarekry, job vacancies

[^16]: Valtiolle.fi, job vacancies

[^17]: OPH, fees for recognition of qualifications change on 1 January 2026

[^18]: OPH, how long does processing a recognition application take

[^19]: OPH, applying for a decision on the recognition of a qualification

[^20]: Job Market Finland, occupational safety supervision moves to the Lupa- ja valvontavirasto

[^21]: HCCH, Apostille Convention status table

[^22]: MOFA Japan, apostille FAQ

[^23]: Tokyo Metropolitan Police Department, criminal record certificate

[^24]: Osaka Prefectural Police, criminal record certificate

[^25]: PAM, retail pay guidance 2025 to 2028

[^26]: PAM, hotel and restaurant pay table from 1 June 2026

[^27]: Migri, income requirement

[^28]: Statistics Finland, earnings table 15au

[^29]: Suomi.fi, holiday pay and holiday bonus

[^30]: Hannes Snellman, implementation of the Pay Transparency Directive delayed in Finland

[^31]: World Bank, World Development Indicators: Finland (accessed 21 October 2026)

[^32]: Statistics Finland, labour force survey

[^33]: Statistics Finland, population table 11rm

[^34]: Statistics Finland, population release

[^35]: Migri, EU citizens

[^36]: Migri, fast track

[^37]: Migri, working holiday

[^38]: Migri, protection period for unemployment and employer notification

[^39]: Finlex, Aliens Act 301/2004

[^40]: Finlex, Act 380/2023 on organising employment services

[^41]: European Commission, revised timeline for EES and ETIAS

[^42]: Finlex, decree 906/2023 on the working holiday agreement

[^43]: Embassy of Japan in Finland, working holiday

[^44]: MOFA Japan, working holiday countries

[^45]: MOFA Japan, Japanese nationals overseas statistics

[^46]: Japan Pension Service, Finland

[^47]: MOFA Japan, press release on the Japan-Finland social security agreement

[^48]: Finlex, Working Hours Act 872/2019

[^49]: Finlex, Annual Holidays Act 162/2005

[^50]: Finlex, Act 1390/2025

[^51]: Finlex, Act 412/2026

[^52]: Vero, social insurance contributions

[^53]: Vero, tax rate and income ceiling

[^54]: Kela, can you get benefits when you move to Finland

[^55]: Finlex, Unemployment Security Act 1290/2002

[^56]: Kela, general social security benefit

[^57]: Vero, earned income

[^58]: Finnish Taxpayers, municipal taxes

[^59]: Vero, tax card for wage earners

[^60]: Vero, taxation of key employees

[^61]: Vero, working in Finland for a Finnish employer

[^62]: Vero, rates of VAT

[^63]: Job Market Finland, beware of fake messages in the name of employment services

[^64]: NCSC-FI, weekly review 50/2023

[^65]: NCSC-FI, weekly review 09/2024

[^66]: National Cyber Security Centre Finland

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