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
₴14232
₴15193
₴10232
₴17515
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
-
-
-
5 442
health
-
-
-
595
total
-
-
-
15 380
Employee
26 866
-
44 165
-
national
444
-
3 008
-
unemployment
403
-
663
-
health
201
-
467
-
municipal
4 400
-
7 210
-
pensions
1 813
-
2 981
-
total
7 261
-
14 329
-
Employer
26 866
-
44 165
-
accident
27
-
45
-
pensions
4 661
-
7 662
-
unemployment
174
-
287
-
health
206
-
340
-
total
5 068
-
8 334
-
Corporate
20 564
52 500
-
-
income
4 113
10 500
-
-
total
4 113
10 500
-
-
Dividends

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

12 339
31 500
-
-
municipal
2 221
5 670
-
-
national
-
1 532
-
-
total
2 221
7 202
-
-
Income
52 500
52 500
52 500
52 500
Total tax
18 663
17 702
22 663
15 380
After tax
33 837
34 798
29 837
37 120
Living cost
19 605
19 605
19 605
19 605
Free-cash
14 232
15 193
10 232
17 515

Estimated living cost  is ₴19605 per week

₴12806
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1886
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.
₴4602
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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