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

₴14023

₴15043

₴10084

₴17382

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

9 343

national

5 390

health

594

total

15 327

Employee

27 121

44 166

national

448

2 972

unemployment

407

662

health

202

465

municipal

4 442

7 211

pensions

1 830

2 982

total

7 329

14 292

Employer

27 121

44 166

accident

pensions

4 705

7 662

unemployment

176

287

health

208

340

total

5 116

8 333

Corporate

20 262

52 500

income

4 053

10 500

total

4 053

10 500

Dividends

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

12 157

31 500

municipal

2 188

5 670

national

1 496

total

2 188

7 166

Income

52 500

Total tax

18 686

17 666

22 625

15 327

After tax

33 814

34 834

29 875

37 173

Living cost

19 791

Free-cash

14 023

15 043

10 084

17 382

Estimated living cost is ₴19791 per week

₴12927

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

₴1904

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

₴315

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.

₴4646

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.