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

₴14537

₴15411

₴10448

₴17709

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

5 519

health

598

total

15 459

Employee

26 492

44 167

national

438

3 063

unemployment

398

662

health

198

470

municipal

4 339

7 210

pensions

1 788

2 981

total

7 161

14 386

Employer

26 492

44 167

accident

pensions

4 596

7 663

unemployment

172

287

health

204

340

total

4 999

8 334

Corporate

21 010

52 500

income

4 202

10 500

total

4 202

10 500

Dividends

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

12 606

31 500

municipal

2 269

5 670

national

1 587

total

2 269

7 257

Income

52 500

Total tax

18 631

17 757

22 720

15 459

After tax

33 869

34 743

29 780

37 041

Living cost

19 332

Free-cash

14 537

15 411

10 448

17 709

Estimated living cost is ₴19332 per week

₴12628

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

₴1860

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

₴308

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.

₴4538

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.