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
₴ 39500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴11918

₴6289

₴8704

₴10008

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

39 500

municipal

7 033

health

429

national

3 593

total

11 055

Employee

22 648

33 229

pensions

1 528

2 243

national

374

1 913

municipal

3 710

5 428

unemployment

340

498

health

169

332

total

6 121

10 414

Employer

22 648

33 229

pensions

3 929

5 765

accident

health

174

256

unemployment

147

216

total

4 273

6 270

Corporate

12 579

39 500

income

2 516

7 900

total

2 516

7 900

Dividends

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

7 547

23 700

municipal

1 359

4 266

national

799

total

1 359

5 065

Income

39 500

Total tax

14 269

12 965

16 684

11 055

After tax

25 231

26 535

22 816

28 445

Living cost

16 527

Free-cash

8 704

10 008

6 289

11 918

Estimated living cost is ₴16527 per week

₴10795

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

₴1590

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

₴263

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.

₴3879

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.