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

₴13916

₴14969

₴10011

₴17316

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

5 363

health

593

total

15 299

Employee

27 250

44 166

national

450

2 953

unemployment

409

662

health

203

464

municipal

4 463

7 210

pensions

1 839

2 981

total

7 364

14 270

Employer

27 250

44 166

accident

pensions

4 728

7 663

unemployment

177

287

health

209

340

total

5 142

8 334

Corporate

20 109

52 500

income

4 022

10 500

total

4 022

10 500

Dividends

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

12 065

31 500

municipal

2 171

5 670

national

1 476

total

2 171

7 146

Income

52 500

Total tax

18 699

17 646

22 604

15 299

After tax

33 801

34 854

29 896

37 201

Living cost

19 885

Free-cash

13 916

14 969

10 011

17 316

Estimated living cost is ₴19885 per week

₴12989

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

₴1913

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

₴316

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.

₴4668

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.