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

₴17442

₴15110

₴14114

₴10150

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

municipal

9 343

national

5 413

total

15 350

Employee

27 007

44 166

health

202

466

pensions

1 823

2 981

unemployment

405

662

national

446

2 988

municipal

4 424

7 211

total

7 300

14 308

Employer

27 007

44 166

health

207

340

accident

pensions

4 686

7 663

unemployment

175

287

total

5 095

8 334

Corporate

20 397

52 500

income

4 080

10 500

total

4 080

10 500

Dividends

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

12 238

31 500

national

1 512

municipal

2 203

5 670

total

2 203

7 182

Income

52 500

Total tax

18 678

17 682

22 642

15 350

After tax

33 822

34 818

29 858

37 150

Living cost

19 708

Free-cash

14 114

15 110

10 150

17 442

Estimated living cost is ₴19708 per week

₴12873

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

₴1896

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.

₴4626

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.