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
₴ 23000
per

Your estimated
City
free-cash

Helsinki , Finland
₴1576
-₴2221
-₴3851
-₴567
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

-
-
-
23 000
municipal
-
-
-
4 109
health
-
-
-
175
national
-
-
-
657
total
-
-
-
4 941
Employee
22 588
-
19 348
-
pensions
1 524
-
1 306
-
national
373
-
198
-
municipal
3 700
-
3 174
-
unemployment
339
-
290
-
health
169
-
119
-
total
6 105
-
5 087
-
Employer
22 588
-
19 348
-
pensions
3 919
-
3 357
-
accident
23
-
20
-
health
174
-
149
-
unemployment
147
-
125
-
total
4 263
-
3 651
-
Corporate
-
23 000
-
-
income
-
4 600
-
-
total
-
4 600
-
-
Dividends

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

-
13 800
-
-
municipal
-
2 484
-
-
national
-
-
-
-
total
-
2 484
-
-
Income
23 000
23 000
23 000
23 000
Total tax
10 368
7 084
8 738
4 941
After tax
12 632
15 916
14 262
18 059
Living cost
16 483
16 483
16 483
16 483
Free-cash
-3 851
-567
-2 221
1 576

Estimated living cost  is ₴16483 per week

₴10767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1585
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴262
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.
₴3869
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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