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
₴ 49000
per

Your estimated
City
free-cash

Helsinki , Finland
₴20041
₴18846
₴13322
₴18306
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

-
-
-
49 000
national
-
-
-
6 553
health
-
-
-
612
municipal
-
-
-
8 710
total
-
-
-
15 875
Employee
17 930
-
41 221
-
unemployment
269
-
618
-
municipal
2 937
-
6 719
-
national
296
-
4 203
-
pensions
1 210
-
2 782
-
health
134
-
493
-
total
4 846
-
14 815
-
Employer
17 930
-
41 221
-
pensions
3 111
-
7 152
-
health
138
-
318
-
accident
18
-
41
-
unemployment
116
-
268
-
total
3 383
-
7 779
-
Corporate
27 687
49 000
-
-
income
5 537
9 800
-
-
total
5 537
9 800
-
-
Dividends

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

16 612
29 400
-
-
municipal
2 990
5 292
-
-
national
314
2 518
-
-
total
3 304
7 810
-
-
Income
49 000
49 000
49 000
49 000
Total tax
17 070
17 610
22 594
15 875
After tax
31 930
31 390
26 406
33 125
Living cost
13 084
13 084
13 084
13 084
Free-cash
18 846
18 306
13 322
20 041

Estimated living cost  is ₴13084 per week

₴8547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴208
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.
₴3071
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.

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