Tulotuloa

Tulotuloa is a Finnish term used in economics and personal finance to describe the inflow of money that arises from capital or assets rather than from work. The term refers to income generated from ownership, such as financial investments or property, rather than wages or salaries. In practice, tulotuloa is often discussed in relation to planning, budgeting, and the analysis of different sources of household or national income.

Its typical components include dividends from shares, interest on savings or bonds, rental income from real estate, royalties from intellectual property, and profits from other investment activities. The concept is commonly used to distinguish passive or portfolio income from earned income (palkkatulot) in both public discussions and private financial planning.

Measuring tulotuloa involves assessing the gross cash inflows over a specific period, and, for many purposes, net income after taxes, fees, and other deductions. The tax treatment of tulotuloa varies by country; in Finland, capital income is generally taxed differently from earned income, and the precise rates and rules can change with legislation.

Because tulotuloa is not a single standardized statistical category, its exact scope may vary by context. Some analyses treat it as mirroring passive income streams, while others consider broader forms of income from ownership. The term is mainly used in Finnish-language sources and may be unfamiliar to non-Finnish readers unless defined in context.

Related concepts include passive income, yield, return on investment, and cash flow.