Estonian income tax refund calculator 2026
Estimate how much income tax you get back with the annual return: pillar III, training costs, donations and unused basic exemption.
An estimate for 2026 income (declared in February 2027). The exact amount is computed by EMTA in the pre-filled return.
Approximate calculation. The exact amount is confirmed by the Social Insurance Board or the Tax and Customs Board - check the official source.
Sources: Maksu- ja Tolliamet (EMTA)
Last updated: 2026-06-03
Where does the refund come from?
The annual return deducts pillar III contributions (up to 15% of gross income, max 6000 € per year) and training costs plus donations (up to 1200 € combined) from taxable income. Every deducted euro returns 22 cents. A refund also arises when the basic exemption (8400 € per year) was not fully used during the year. The refund can never exceed the tax actually withheld. Returns are filed February through April and EMTA pre-fills most data.
Frequently asked questions
How much do I get back for pillar III?+
22% of contributions, as long as they stay within 15% of your annual gross income and 6000 €. The maximum refund is 1320 € per year.
What else is deductible?+
Training costs and donations, up to 1200 € combined per year (max 50% of taxable income). Since 2024, housing loan interest and the extra child exemption are no longer deductible.
When is the refund paid?+
For e-filers, payouts usually start in early March. The earlier you file, the earlier the money arrives.
Why is my refund less than 22% of deductions?+
The refund is capped by the tax actually withheld during the year. If little income tax was withheld from your salary, the refund cannot exceed it.
Do I have to file at all?+
Not if you have no deductions and the exemption was applied correctly. Always worth filing if you contributed to pillar III, paid for training or left the exemption unused.