Nouveau_Burnswick,

You have to pay a lot more in taxes as a freelancer than if you’re employed by a company (companies have to pay 50% of taxes

This sounds very incorrect. Perhaps Finland is different, but in Canada companies just “withhold taxes at source”. So of you make $100k and pay $31k in tax, payroll will just remove 31%, sent directly to the GoC (and revenue QC). Companies are absolutely not paying a portion for you, they are just remove the monies for you.

As an employer or payer, you are responsible for deducting income tax [and] there is no employer contribution required. CRA

Finnish tax law is trickier due to resident/EU/non-resident finagling my, but on the surface it looks like it’s just tax at source like Canada. Suomi.fi

Perhaps there is confusion with insurance/pension/social securities payments? Companies will often contribute to these, and it looks like employers take the majority in Finland with an ~9:5 split averaged over all payments.

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