Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
€ 1800
per

Your estimated
City
free-cash

Helsinki , Finland
€738
€765
€770
€553
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
1 800
municipal
-
-
-
320
health
-
-
-
23
national
-
-
-
298
total
-
-
-
641
Employee
533
-
1 514
-
health
4
-
19
-
municipal
87
-
247
-
pensions
36
-
102
-
unemployment
8
-
23
-
national
9
-
180
-
total
144
-
571
-
Employer
533
-
1 514
-
accident
1
-
2
-
unemployment
3
-
10
-
pensions
92
-
263
-
health
4
-
12
-
total
100
-
287
-
Corporate
1 166
1 800
-
-
income
233
360
-
-
total
233
360
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

700
1 080
-
-
national
43
119
-
-
municipal
126
194
-
-
total
169
313
-
-
Income
1 800
1 800
1 800
1 800
Total tax
646
673
858
641
After tax
1 154
1 127
942
1 159
Living cost
389
389
389
389
Free-cash
765
738
553
770

Estimated living cost  is €389 per week

€254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€37
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€6
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
€91
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
€0
I'm drinking at home rarely or never.
€0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Source of data for Helsinki model

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Estimated living cost

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