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

₴14885

₴15656

₴10694

₴17924

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

9 342

national

5 606

health

602

total

15 550

Employee

26 072

44 166

national

431

3 122

unemployment

391

662

health

195

473

municipal

4 270

7 209

pensions

1 760

2 981

total

7 047

14 447

Employer

26 072

44 166

accident

pensions

4 523

7 662

unemployment

169

287

health

200

340

total

4 918

8 333

Corporate

21 508

52 500

income

4 301

10 500

total

4 301

10 500

Dividends

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

12 905

31 500

municipal

2 323

5 670

national

1 648

total

2 323

7 318

Income

52 500

Total tax

18 589

17 818

22 780

15 550

After tax

33 911

34 682

29 720

36 950

Living cost

19 026

Free-cash

14 885

15 656

10 694

17 924

Estimated living cost is ₴19026 per week

₴12428

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

₴1830

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

₴303

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.

₴4466

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.