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
₴ 18500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₴6123

-₴7244

-₴3939

-₴12326

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

18 500

health

municipal

3 316

national

118

total

3 514

Employee

25 934

15 563

municipal

4 248

2 564

unemployment

389

234

pensions

1 750

1 050

national

428

health

194

total

7 009

3 882

Employer

25 934

15 563

health

199

120

pensions

4 499

2 700

accident

unemployment

168

101

total

4 892

2 937

Corporate

18 500

income

3 700

total

3 700

Dividends

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

11 100

municipal

1 998

national

total

1 998

Income

18 500

Total tax

11 901

5 698

6 819

3 514

After tax

6 599

12 802

11 681

14 986

Living cost

18 925

Free-cash

-12 326

-6 123

-7 244

-3 939

Estimated living cost is ₴18925 per week

₴12362

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₴1820

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₴301

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.

₴4442

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.

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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.