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

₴9972

₴17282

₴13857

₴14929

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

5 348

health

592

municipal

9 343

total

15 283

Employee

27 319

44 166

health

204

463

municipal

4 475

7 211

pensions

1 844

2 981

unemployment

410

662

national

451

2 943

total

7 384

14 260

Employer

27 319

44 166

accident

pensions

4 740

7 662

unemployment

177

287

health

210

340

total

5 155

8 333

Corporate

20 027

52 500

income

4 006

10 500

total

4 006

10 500

Dividends

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

12 016

31 500

national

1 466

municipal

2 163

5 670

total

2 163

7 136

Income

52 500

Total tax

18 708

17 636

22 593

15 283

After tax

33 792

34 864

29 907

37 217

Living cost

19 935

Free-cash

13 857

14 929

9 972

17 282

Estimated living cost is ₴19935 per week

₴13022

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

₴1918

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

₴317

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.

₴4680

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.