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

₴14242

₴15200

₴10238

₴17520

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

5 445

health

596

total

15 384

Employee

26 854

44 166

national

444

3 010

unemployment

403

663

health

200

467

municipal

4 398

7 210

pensions

1 812

2 981

total

7 257

14 331

Employer

26 854

44 166

accident

pensions

4 659

7 663

unemployment

174

287

health

206

340

total

5 066

8 335

Corporate

20 580

52 500

income

4 116

10 500

total

4 116

10 500

Dividends

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

12 348

31 500

municipal

2 223

5 670

national

1 534

total

2 223

7 204

Income

52 500

Total tax

18 662

17 704

22 666

15 384

After tax

33 838

34 796

29 834

37 116

Living cost

19 596

Free-cash

14 242

15 200

10 238

17 520

Estimated living cost is ₴19596 per week

₴12800

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

₴1885

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.

₴4600

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.