Nettotulot

Nettotulot is a term used in Finnish economics and taxation to describe the net amount of income an individual receives after deductions such as income taxes and mandatory social security contributions. It is the take-home portion of earnings and is frequently used in personal budgeting, household surveys, and policy analysis to reflect the money available for consumption and saving.

The concept is typically contrasted with gross income (bruttotulot), which is the total earnings before any deductions. Nettotulot can refer to earnings from work, pensions, and other regular income, with the exact composition depending on the context. In many cases, netto tulot emphasize earned income after taxes and social contributions rather than gross receipts from all sources. Tax rules, credits, and deductions determine the final net amount, and these rules vary by jurisdiction and tax year.

Calculation generally starts from gross income and deducts taxes, social security contributions, and other mandatory withholdings. Depending on the system, it may also account for tax credits, non-taxable allowances, and reductions that affect the amount of tax paid. Capital income and other non-wage sources may be taxed differently, and their treatment influences the overall net result if included in the same measure.

Nettotulot is used to assess household living standards, wage comparisons, and the impact of tax policy. It should be distinguished from disposable income, which may incorporate government transfers and benefits received after taxation.