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
€ 950
per

Your estimated
City
free-cash

Helsinki , Finland
€247
€220
€293
€157
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

-
-
-
950
municipal
-
-
-
169
health
-
-
-
10
national
-
-
-
89
total
-
-
-
268
Employee
533
-
799
-
health
4
-
8
-
municipal
87
-
131
-
pensions
36
-
54
-
unemployment
8
-
12
-
national
9
-
48
-
total
144
-
253
-
Employer
533
-
799
-
accident
1
-
1
-
unemployment
3
-
5
-
pensions
92
-
139
-
health
4
-
6
-
total
100
-
151
-
Corporate
316
950
-
-
income
63
190
-
-
total
63
190
-
-
Dividends

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

190
570
-
-
national
-
21
-
-
municipal
34
103
-
-
total
34
124
-
-
Income
950
950
950
950
Total tax
341
314
404
268
After tax
609
636
546
682
Living cost
389
389
389
389
Free-cash
220
247
157
293

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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