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
₴ 52500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴15823

₴10858

₴18071

₴15118

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

52 500

health

604

municipal

9 341

national

5 665

total

15 610

Employee

25 790

44 165

municipal

4 224

7 208

unemployment

387

662

pensions

1 740

2 981

national

426

3 163

health

193

475

total

6 970

14 489

Employer

25 790

44 165

health

198

340

pensions

4 474

7 663

accident

unemployment

167

287

total

4 865

8 334

Corporate

21 844

52 500

income

4 369

10 500

total

4 369

10 500

Dividends

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

13 106

31 500

municipal

2 359

5 670

national

1 688

total

2 359

7 358

Income

52 500

Total tax

18 563

17 858

22 823

15 610

After tax

33 937

34 642

29 677

36 890

Living cost

18 819

Free-cash

15 118

15 823

10 858

18 071

Estimated living cost is ₴18819 per week

₴12293

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

₴1810

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

₴300

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.

₴4418

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.