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
₴ 35500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴7790

₴6135

₴9649

₴4462

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

35 500

municipal

6 324

health

369

national

2 806

total

9 499

Employee

22 409

29 864

health

167

282

municipal

3 670

4 881

pensions

1 512

2 016

unemployment

336

448

national

370

1 424

total

6 055

9 051

Employer

22 409

29 864

accident

unemployment

145

194

pensions

3 888

5 181

health

172

230

total

4 228

5 635

Corporate

8 863

35 500

income

1 773

7 100

total

1 773

7 100

Dividends

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

5 318

21 300

national

424

municipal

957

3 834

total

957

4 258

Income

35 500

Total tax

13 013

11 358

14 686

9 499

After tax

22 487

24 142

20 814

26 001

Living cost

16 352

Free-cash

6 135

7 790

4 462

9 649

Estimated living cost is ₴16352 per week

₴10681

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.