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

₴15062

₴10818

₴15783

₴18037

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

9 342

national

5 651

total

15 596

Employee

25 855

44 166

unemployment

388

662

pensions

1 745

2 981

municipal

4 235

7 209

national

427

3 154

health

193

475

total

6 988

14 481

Employer

25 855

44 166

pensions

4 486

7 663

health

199

340

unemployment

168

287

accident

total

4 879

8 334

Corporate

21 767

52 500

income

4 353

10 500

total

4 353

10 500

Dividends

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

13 060

31 500

national

1 680

municipal

2 351

5 670

total

2 351

7 350

Income

52 500

Total tax

18 571

17 850

22 815

15 596

After tax

33 929

34 650

29 685

36 904

Living cost

18 867

Free-cash

15 062

15 783

10 818

18 037

Estimated living cost is ₴18867 per week

₴12324

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

₴1815

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.

₴4429

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.