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

₴6671

₴4859

₴8612

₴10778

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

418

municipal

7 215

national

3 144

total

10 777

Employee

25 961

34 071

unemployment

390

511

pensions

1 752

2 300

municipal

4 252

5 570

national

429

1 568

health

194

318

total

7 017

10 267

Employer

25 961

34 071

pensions

4 504

5 912

health

199

262

unemployment

169

221

accident

total

4 898

6 429

Corporate

9 640

40 500

income

1 928

8 100

total

1 928

8 100

Dividends

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

5 784

24 300

national

469

municipal

1 041

4 374

total

1 041

4 843

Income

40 500

Total tax

14 884

12 943

16 696

10 777

After tax

25 616

27 557

23 804

29 723

Living cost

18 945

Free-cash

6 671

8 612

4 859

10 778

Estimated living cost is ₴18945 per week

₴12375

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

₴1822

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

₴302

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.

₴4447

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.