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

₴6279

₴8283

₴4585

₴10503

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

municipal

7 216

national

3 075

health

414

total

10 705

Employee

26 437

34 071

national

437

1 499

unemployment

397

511

health

197

315

municipal

4 330

5 570

pensions

1 784

2 300

total

7 145

10 195

Employer

26 437

34 071

accident

pensions

4 587

5 911

unemployment

172

221

health

203

262

total

4 989

6 428

Corporate

9 074

40 500

income

1 815

8 100

total

1 815

8 100

Dividends

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

5 445

24 300

municipal

980

4 374

national

451

total

980

4 825

Income

40 500

Total tax

14 929

12 925

16 623

10 705

After tax

25 571

27 575

23 877

29 795

Living cost

19 292

Free-cash

6 279

8 283

4 585

10 503

Estimated living cost is ₴19292 per week

₴12602

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

₴1856

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

₴307

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.

₴4529

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.