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
City
free-cash

Helsinki , Finland
₴14251
₴15206
₴10245
₴17527
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
-
-
-
5 447
health
-
-
-
595
total
-
-
-
15 385
Employee
26 842
-
44 165
-
national
443
-
3 011
-
unemployment
403
-
662
-
health
200
-
468
-
municipal
4 397
-
7 210
-
pensions
1 811
-
2 981
-
total
7 254
-
14 332
-
Employer
26 842
-
44 165
-
accident
27
-
45
-
pensions
4 657
-
7 662
-
unemployment
174
-
288
-
health
206
-
340
-
total
5 064
-
8 335
-
Corporate
20 593
52 500
-
-
income
4 119
10 500
-
-
total
4 119
10 500
-
-
Dividends

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

12 356
31 500
-
-
municipal
2 224
5 670
-
-
national
-
1 536
-
-
total
2 224
7 206
-
-
Income
52 500
52 500
52 500
52 500
Total tax
18 661
17 706
22 667
15 385
After tax
33 839
34 794
29 833
37 115
Living cost
19 588
19 588
19 588
19 588
Free-cash
14 251
15 206
10 245
17 527

Estimated living cost  is ₴19588 per week

₴12795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴312
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.
₴4598
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.
 Adjust living cost Show details Source

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.

Source of data for Helsinki model

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