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Household Deduction 2026

Household Tax Deduction 2026

Calculate how much you save in taxes on home services

Only the labor portion is deductible, not materials

Your savings

0 €

Deductible amount 0 €
Self-risk -0 €
Remaining capacity 0 €

What is the household deduction?

The household deduction (kotitalousvähennys) is a tax benefit in Finnish taxation that allows individuals to deduct part of the cost of work done at home directly from their taxes. The deduction encourages legal service purchases and supports the domestic service industry.

The deduction covers household, care, and nursing work as well as home maintenance and renovation work. The work can be commissioned from a company registered in the prepayment register or by hiring someone directly. For company work, the deduction is 35% of the labor cost.

Source: Finnish Tax Administration

Who can get the household deduction?

Person liable for tax in Finland

Work is done in own home or vacation property

Payer has ordered and paid for the work themselves

Worker is a company in the prepayment register or a hired person

Payment made by bank transfer or card (not cash)

Tenants can also receive the deduction

Which services qualify?

Cleaning and household work
Renovation and maintenance
Garden and yard work
Home IT installation and support
Care and nursing work
Home improvement work

Household Deduction 2026 – Limits and amounts

1 600 €

Max deduction / person

3 200 €

Max deduction / couple

150 €

Self-risk / person / year

Deduction rate: 35% of labor cost (company) or 15% of salary (direct hire).

How to apply for the deduction

1

Order the service

Order a household, renovation, or care service from a company in the prepayment register.

2

Pay traceably

Pay the invoice by bank transfer or card. Cash payments do not qualify.

3

Keep the invoice

Verify that the invoice itemizes labor cost, provider details, and business ID.

4

Declare in taxes

Declare the deduction in OmaVero on your tax return or request a tax card change.

Common mistakes

Including materials in the deduction – only the labor portion qualifies

Cash payment – payment must be traceable (bank transfer or card)

Work done elsewhere – work must take place in your own home or vacation property

Invoice missing labor breakdown – labor cost, provider, and business ID must be shown

Exceeding the maximum – remember to check how much deduction remains

Work ordered by housing company – only work you personally order and pay for qualifies

Frequently asked questions about the household deduction

What is the household deduction?
The household deduction (kotitalousvähennys) is a tax benefit that allows you to deduct costs of work done at home from your taxes. The deduction is 35% of the VAT-inclusive labour portion paid.
How much household deduction can you get in 2026?
In 2026, the maximum household deduction is €1 600 per person. A couple can therefore receive up to €3 200 in total deduction. The deductible is €150 per person per year. If a couple claims the deduction only in one spouse's taxation, the deductible only needs to be paid once.
Which services qualify for the household deduction?
Services that qualify include cleaning, renovation work, garden work, home IT installation and support, and care work. The work must be done in your own home or vacation home. A detailed list of approved services can be found on the Finnish Tax Administration website.
Does the deduction apply to materials?
No, the household deduction applies only to the labor portion. Materials, supplies, and travel costs are not deductible. This is why the invoice must separately itemize labor and material costs.
How do I apply for the household deduction?
Declare the household deduction in your tax return — either in advance or retrospectively. As supporting documentation you need an invoice or receipt showing the service provider, description of work, labour portion of the price, and payment date. All of this information is automatically stored in Servido, where you can download the receipts for your tax return.
Can I get the deduction for a rental apartment?
Yes, a tenant can receive the household deduction for work done in their home. The key requirement is that you pay for the service yourself and the work is done in your own home. Work done in vacation homes also qualifies.
Can I get the deduction for cash payments?
No, cash payments do not qualify for the household deduction. Payment must be made by bank transfer, card, or another traceable payment method. You must be able to prove the payment to the tax authority if required.
How does the deduction affect monthly taxation?
You can apply for the deduction as a change to your tax card right at the start of the tax season in OmaVero, in which case it immediately shows as lower tax withholding. Alternatively, you can declare it retrospectively in your tax return and receive a tax refund.
Can you get the deduction for work ordered by a housing company?
Generally no. The household deduction requires that you order and pay for the work yourself. However, work you commission in your own apartment does qualify.
What is the household deduction self-risk (deductible)?
The household deduction self-risk is €150 per person per year. This means you don't get a deduction for the first €150. If a couple claims the deduction only in one spouse's taxation, the deductible only needs to be paid once.

Need a home service?

Order from Servido and take advantage of the household deduction automatically.

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