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

₴17107

₴13583

₴9776

₴14732

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

5 279

municipal

9 344

health

590

total

15 213

Employee

27 654

44 166

pensions

1 866

2 981

health

206

461

municipal

4 529

7 211

unemployment

415

662

national

457

2 895

total

7 473

14 210

Employer

27 654

44 166

pensions

4 798

7 663

health

212

340

unemployment

180

287

accident

total

5 218

8 334

Corporate

19 628

52 500

income

3 926

10 500

total

3 926

10 500

Dividends

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

11 777

31 500

municipal

2 120

5 670

national

1 418

total

2 120

7 088

Income

52 500

Total tax

18 737

17 588

22 544

15 213

After tax

33 763

34 912

29 956

37 287

Living cost

20 180

Free-cash

13 583

14 732

9 776

17 107

Estimated living cost is ₴20180 per week

₴13181

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

₴1941

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

₴321

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.

₴4737

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.