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

₴14958

₴10744

₴15709

₴17972

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

603

municipal

9 341

national

5 624

total

15 568

Employee

25 982

44 166

unemployment

390

663

pensions

1 753

2 981

municipal

4 256

7 208

national

429

3 136

health

194

474

total

7 022

14 462

Employer

25 982

44 166

pensions

4 508

7 663

health

200

340

unemployment

169

287

accident

total

4 903

8 334

Corporate

21 616

52 500

income

4 323

10 500

total

4 323

10 500

Dividends

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

12 970

31 500

national

1 661

municipal

2 334

5 670

total

2 334

7 331

Income

52 500

Total tax

18 582

17 831

22 796

15 568

After tax

33 918

34 669

29 704

36 932

Living cost

18 960

Free-cash

14 958

15 709

10 744

17 972

Estimated living cost is ₴18960 per week

₴12384

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

₴1824

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.

₴4450

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.