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
₴ 40500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴6549

₴4775

₴8511

₴10693

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

40 500

health

416

municipal

7 215

national

3 124

total

10 755

Employee

26 108

34 071

unemployment

392

511

pensions

1 762

2 300

municipal

4 276

5 570

national

431

1 546

health

195

317

total

7 056

10 244

Employer

26 108

34 071

pensions

4 530

5 911

health

201

263

unemployment

170

221

accident

total

4 927

6 429

Corporate

9 466

40 500

income

1 893

8 100

total

1 893

8 100

Dividends

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

5 680

24 300

national

463

municipal

1 023

4 374

total

1 023

4 837

Income

40 500

Total tax

14 899

12 937

16 673

10 755

After tax

25 601

27 563

23 827

29 745

Living cost

19 052

Free-cash

6 549

8 511

4 775

10 693

Estimated living cost is ₴19052 per week

₴12445

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

₴1833

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

₴303

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.

₴4472

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.