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

₴14767

₴9810

₴13631

₴17138

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

9 344

national

5 292

health

589

total

15 225

Employee

27 595

44 166

pensions

1 862

2 981

unemployment

414

663

national

456

2 903

municipal

4 520

7 211

health

206

461

total

7 458

14 219

Employer

27 595

44 166

unemployment

179

287

health

212

340

accident

pensions

4 788

7 663

total

5 207

8 334

Corporate

19 698

52 500

income

3 940

10 500

total

3 940

10 500

Dividends

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

11 819

31 500

national

1 426

municipal

2 127

5 670

total

2 127

7 096

Income

52 500

Total tax

18 732

17 596

22 553

15 225

After tax

33 768

34 904

29 947

37 275

Living cost

20 137

Free-cash

13 631

14 767

9 810

17 138

Estimated living cost is ₴20137 per week

₴13153

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

₴1937

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

₴320

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.

₴4727

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.