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

₴21894

₴15808

₴22282

₴21162

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

municipal

9 328

health

680

national

8 358

total

18 366

Employee

16 241

44 166

health

121

551

unemployment

244

663

pensions

1 096

2 981

national

268

5 116

municipal

2 660

7 195

total

4 389

16 506

Employer

16 241

44 166

health

125

340

pensions

2 818

7 663

accident

unemployment

105

287

total

3 064

8 334

Corporate

33 194

52 500

income

6 639

10 500

total

6 639

10 500

Dividends

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

19 917

31 500

municipal

3 585

5 670

national

1 077

3 316

total

4 662

8 986

Income

52 500

Total tax

18 754

19 486

24 840

18 366

After tax

33 746

33 014

27 660

34 134

Living cost

11 852

Free-cash

21 894

21 162

15 808

22 282

Estimated living cost is ₴11852 per week

₴7741

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

₴1140

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

₴189

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.

₴2782

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.