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
City
free-cash

Helsinki , Finland
₴6321
₴8317
₴4613
₴10532
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
-
-
-
3 083
health
-
-
-
414
total
-
-
-
10 712
Employee
26 387
-
34 070
-
national
436
-
1 506
-
unemployment
396
-
511
-
health
197
-
315
-
municipal
4 322
-
5 570
-
pensions
1 781
-
2 299
-
total
7 132
-
10 201
-
Employer
26 387
-
34 070
-
accident
27
-
34
-
pensions
4 578
-
5 911
-
unemployment
171
-
222
-
health
203
-
263
-
total
4 979
-
6 430
-
Corporate
9 134
40 500
-
-
income
1 826
8 100
-
-
total
1 826
8 100
-
-
Dividends

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

5 481
24 300
-
-
municipal
986
4 374
-
-
national
-
453
-
-
total
986
4 827
-
-
Income
40 500
40 500
40 500
40 500
Total tax
14 923
12 927
16 631
10 712
After tax
25 577
27 573
23 869
29 788
Living cost
19 256
19 256
19 256
19 256
Free-cash
6 321
8 317
4 613
10 532

Estimated living cost  is ₴19256 per week

₴12578
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1852
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴306
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.
₴4520
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.
 Adjust living cost Show details Source

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.

Source of data for Helsinki model

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