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

₴1380

-₴2865

-₴1653

-₴314

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

national

557

health

142

municipal

3 305

total

4 004

Employee

17 974

15 563

unemployment

270

233

municipal

2 944

2 553

national

297

167

pensions

1 213

1 050

health

134

total

4 858

4 100

Employer

17 974

15 563

pensions

3 118

2 700

health

138

120

accident

unemployment

117

101

total

3 391

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

8 249

5 698

7 037

4 004

After tax

10 251

12 802

11 463

14 496

Living cost

13 116

Free-cash

-2 865

-314

-1 653

1 380

Estimated living cost is ₴13116 per week

₴8568

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

₴1262

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

₴209

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.

₴3079

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.