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

₴6548

₴4774

₴8510

₴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

3 123

total

10 754

Employee

26 110

34 070

unemployment

392

511

pensions

1 762

2 300

municipal

4 277

5 570

national

431

1 545

health

195

317

total

7 057

10 243

Employer

26 110

34 070

pensions

4 530

5 912

health

201

263

unemployment

170

221

accident

total

4 927

6 430

Corporate

9 463

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.

5 678

24 300

national

463

municipal

1 022

4 374

total

1 022

4 837

Income

40 500

Total tax

14 899

12 937

16 673

10 754

After tax

25 601

27 563

23 827

29 746

Living cost

19 053

Free-cash

6 548

8 510

4 774

10 693

Estimated living cost is ₴19053 per week

₴12446

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.

₴4473

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.