The Comprehensive Income Policy Agreement is a tri-lateral treaty between Finnish employees' and employers' trade unions and government. It is a policy document covering a wide range of economical and political issues, such as salaries, taxation, pensions, unemployment benefits and housing costs. It is collective bargaining taken to its logical maximum, reaching virtually all wage-earners. Its enforcement is made easier by the universal validity of collective labour agreements. However, it is not mandatory and is not considered a government decree, i.e. it does not represent central planning of the economy.

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