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
₴ 2500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₴14618

-₴14298

-₴14765

-₴24129

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

2 500

health

municipal

450

national

total

450

Employee

22 403

2 102

municipal

3 669

347

pensions

1 512

142

unemployment

336

national

370

health

167

total

6 054

521

Employer

22 403

2 102

accident

unemployment

145

health

172

pensions

3 887

364

total

4 227

396

Corporate

2 500

income

500

total

500

Dividends

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

1 500

municipal

270

national

total

270

Income

2 500

Total tax

10 281

770

917

450

After tax

-7 781

1 730

1 583

2 050

Living cost

16 348

Free-cash

-24 129

-14 618

-14 765

-14 298

Estimated living cost is ₴16348 per week

₴10679

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

₴1573

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

₴260

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.

₴3838

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.