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

₴17100

₴13570

₴9768

₴14724

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

5 277

municipal

9 344

health

589

total

15 210

Employee

27 667

44 165

pensions

1 867

2 981

health

207

461

municipal

4 532

7 211

unemployment

415

663

national

457

2 893

total

7 478

14 209

Employer

27 667

44 165

pensions

4 800

7 662

health

213

340

unemployment

180

287

accident

total

5 221

8 333

Corporate

19 612

52 500

income

3 923

10 500

total

3 923

10 500

Dividends

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

11 767

31 500

municipal

2 118

5 670

national

1 416

total

2 118

7 086

Income

52 500

Total tax

18 740

17 586

22 542

15 210

After tax

33 760

34 914

29 958

37 290

Living cost

20 190

Free-cash

13 570

14 724

9 768

17 100

Estimated living cost is ₴20190 per week

₴13188

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

₴1942

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.

₴4739

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.