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

₴10139

₴15101

₴17434

₴14104

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

595

national

5 409

municipal

9 343

total

15 347

Employee

27 023

44 165

municipal

4 426

7 210

national

446

2 986

pensions

1 824

2 982

health

202

466

unemployment

405

663

total

7 303

14 307

Employer

27 023

44 165

unemployment

175

288

health

208

340

accident

pensions

4 688

7 663

total

5 098

8 335

Corporate

20 379

52 500

income

4 075

10 500

total

4 075

10 500

Dividends

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

12 227

31 500

national

1 510

municipal

2 201

5 670

total

2 201

7 180

Income

52 500

Total tax

18 677

17 680

22 642

15 347

After tax

33 823

34 820

29 858

37 153

Living cost

19 719

Free-cash

14 104

15 101

10 139

17 434

Estimated living cost is ₴19719 per week

₴12881

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

₴1897

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

₴314

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.

₴4629

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.