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
₴ 2000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₴17445

-₴17562

-₴17189

-₴28671

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

2 000

health

municipal

360

national

total

360

Employee

25 803

1 682

municipal

4 226

277

unemployment

387

pensions

1 741

114

national

426

health

193

total

6 973

416

Employer

25 803

1 682

health

198

pensions

4 477

291

accident

unemployment

168

total

4 869

317

Corporate

2 000

income

400

total

400

Dividends

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

1 200

municipal

216

national

total

216

Income

2 000

Total tax

11 842

616

733

360

After tax

-9 842

1 384

1 267

1 640

Living cost

18 829

Free-cash

-28 671

-17 445

-17 562

-17 189

Estimated living cost is ₴18829 per week

₴12299

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

₴1811

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

₴300

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.

₴4420

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.