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
₴ 37500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴8897

₴7414

₴10782

₴5370

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

37 500

municipal

6 678

health

399

national

3 197

total

10 274

Employee

22 535

31 547

health

168

307

municipal

3 691

5 155

pensions

1 521

2 130

unemployment

338

473

national

372

1 668

total

6 090

9 733

Employer

22 535

31 547

accident

unemployment

146

205

pensions

3 910

5 473

health

173

243

total

4 252

5 953

Corporate

10 714

37 500

income

2 143

7 500

total

2 143

7 500

Dividends

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

6 428

22 500

national

609

municipal

1 157

4 050

total

1 157

4 659

Income

37 500

Total tax

13 642

12 159

15 686

10 274

After tax

23 858

25 341

21 814

27 226

Living cost

16 444

Free-cash

7 414

8 897

5 370

10 782

Estimated living cost is ₴16444 per week

₴10741

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

₴1582

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.

₴3860

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.