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

₴14730

₴15547

₴10584

₴17829

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

9 342

national

5 567

health

600

total

15 509

Employee

26 259

44 166

national

434

3 095

unemployment

394

662

health

196

472

municipal

4 301

7 209

pensions

1 772

2 982

total

7 097

14 420

Employer

26 259

44 166

accident

pensions

4 556

7 662

unemployment

170

287

health

202

340

total

4 955

8 334

Corporate

21 286

52 500

income

4 257

10 500

total

4 257

10 500

Dividends

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

12 772

31 500

municipal

2 299

5 670

national

1 621

total

2 299

7 291

Income

52 500

Total tax

18 608

17 791

22 754

15 509

After tax

33 892

34 709

29 746

36 991

Living cost

19 162

Free-cash

14 730

15 547

10 584

17 829

Estimated living cost is ₴19162 per week

₴12517

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

₴1843

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

₴305

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.

₴4498

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.