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

₴9900

₴17217

₴13757

₴14856

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

national

5 323

health

591

municipal

9 344

total

15 258

Employee

27 442

44 165

health

205

462

municipal

4 495

7 211

pensions

1 852

2 981

unemployment

412

662

national

453

2 925

total

7 417

14 241

Employer

27 442

44 165

accident

pensions

4 761

7 662

unemployment

178

287

health

211

340

total

5 178

8 334

Corporate

19 880

52 500

income

3 976

10 500

total

3 976

10 500

Dividends

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

11 928

31 500

national

1 449

municipal

2 147

5 670

total

2 147

7 119

Income

52 500

Total tax

18 718

17 619

22 575

15 258

After tax

33 782

34 881

29 925

37 242

Living cost

20 025

Free-cash

13 757

14 856

9 900

17 217

Estimated living cost is ₴20025 per week

₴13080

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

₴1926

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

₴319

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.

₴4701

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.