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

₴6586

₴4800

₴8541

₴10719

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

3 130

total

10 761

Employee

26 065

34 070

unemployment

391

511

pensions

1 759

2 300

municipal

4 269

5 569

national

431

1 552

health

195

318

total

7 045

10 250

Employer

26 065

34 070

pensions

4 522

5 912

health

200

262

unemployment

169

222

accident

total

4 917

6 430

Corporate

9 518

40 500

income

1 904

8 100

total

1 904

8 100

Dividends

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

5 710

24 300

national

465

municipal

1 028

4 374

total

1 028

4 839

Income

40 500

Total tax

14 894

12 939

16 680

10 761

After tax

25 606

27 561

23 820

29 739

Living cost

19 020

Free-cash

6 586

8 541

4 800

10 719

Estimated living cost is ₴19020 per week

₴12424

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

₴1830

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.

₴4465

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.