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

₴17483

₴15155

₴14179

₴10196

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

health

594

municipal

9 343

national

5 429

total

15 366

Employee

26 929

44 166

health

201

466

pensions

1 817

2 981

unemployment

404

662

national

445

2 999

municipal

4 411

7 210

total

7 278

14 318

Employer

26 929

44 166

health

207

340

accident

pensions

4 672

7 663

unemployment

175

288

total

5 081

8 335

Corporate

20 490

52 500

income

4 098

10 500

total

4 098

10 500

Dividends

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

12 294

31 500

national

1 523

municipal

2 213

5 671

total

2 213

7 194

Income

52 500

Total tax

18 670

17 694

22 653

15 366

After tax

33 830

34 806

29 847

37 134

Living cost

19 651

Free-cash

14 179

15 155

10 196

17 483

Estimated living cost is ₴19651 per week

₴12836

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

₴1890

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

₴313

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.

₴4613

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.