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

₴10110

₴15068

₴17404

₴14057

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

national

5 398

municipal

9 343

total

15 335

Employee

27 079

44 167

municipal

4 435

7 210

national

447

2 978

pensions

1 827

2 981

health

202

465

unemployment

406

662

total

7 317

14 296

Employer

27 079

44 167

unemployment

176

287

health

208

340

accident

pensions

4 698

7 662

total

5 109

8 333

Corporate

20 312

52 500

income

4 062

10 500

total

4 062

10 500

Dividends

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

12 187

31 500

national

1 501

municipal

2 194

5 670

total

2 194

7 171

Income

52 500

Total tax

18 682

17 671

22 629

15 335

After tax

33 818

34 829

29 871

37 165

Living cost

19 761

Free-cash

14 057

15 068

10 110

17 404

Estimated living cost is ₴19761 per week

₴12908

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

₴1901

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

₴315

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.

₴4638

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.