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

₴4811

₴8553

₴10729

₴6601

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

7 215

national

3 132

health

417

total

10 764

Employee

26 047

34 071

health

194

318

pensions

1 758

2 300

unemployment

391

511

national

430

1 555

municipal

4 266

5 569

total

7 039

10 253

Employer

26 047

34 071

unemployment

169

222

accident

health

200

262

pensions

4 519

5 911

total

4 914

6 429

Corporate

9 539

40 500

income

1 908

8 100

total

1 908

8 100

Dividends

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

5 723

24 300

national

466

municipal

1 031

4 374

total

1 031

4 840

Income

40 500

Total tax

14 892

12 940

16 682

10 764

After tax

25 608

27 560

23 818

29 736

Living cost

19 007

Free-cash

6 601

8 553

4 811

10 729

Estimated living cost is ₴19007 per week

₴12415

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

₴1828

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.

₴4462

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.