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

₴14304

₴15244

₴10283

₴17560

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

5 461

health

596

total

15 400

Employee

26 777

44 166

national

442

3 021

unemployment

402

663

health

200

467

municipal

4 386

7 210

pensions

1 807

2 982

total

7 237

14 343

Employer

26 777

44 166

accident

pensions

4 646

7 663

unemployment

174

287

health

206

340

total

5 053

8 334

Corporate

20 670

52 500

income

4 134

10 500

total

4 134

10 500

Dividends

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

12 402

31 500

municipal

2 232

5 671

national

1 545

total

2 232

7 216

Income

52 500

Total tax

18 656

17 716

22 677

15 400

After tax

33 844

34 784

29 823

37 100

Living cost

19 540

Free-cash

14 304

15 244

10 283

17 560

Estimated living cost is ₴19540 per week

₴12764

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

₴1880

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

₴311

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.

₴4587

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.