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

₴14459

₴15355

₴10392

₴17658

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

5 500

health

597

total

15 440

Employee

26 588

44 166

national

439

3 049

unemployment

399

663

health

199

469

municipal

4 355

7 210

pensions

1 794

2 982

total

7 186

14 373

Employer

26 588

44 166

accident

pensions

4 613

7 662

unemployment

173

287

health

204

340

total

5 017

8 333

Corporate

20 896

52 500

income

4 179

10 500

total

4 179

10 500

Dividends

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

12 537

31 500

municipal

2 257

5 670

national

1 573

total

2 257

7 243

Income

52 500

Total tax

18 639

17 743

22 706

15 440

After tax

33 861

34 757

29 794

37 060

Living cost

19 402

Free-cash

14 459

15 355

10 392

17 658

Estimated living cost is ₴19402 per week

₴12673

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

₴1866

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

₴309

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.

₴4554

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.