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
₴ 59500
per

Your estimated
City
free-cash

Helsinki , Finland
₴21899
₴22417
₴24008
₴15851
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

-
-
-
59 500
municipal
-
-
-
10 577
health
-
-
-
739
national
-
-
-
7 828
total
-
-
-
19 144
Employee
22 403
-
50 055
-
health
167
-
593
-
municipal
3 669
-
8 160
-
pensions
1 512
-
3 379
-
unemployment
336
-
751
-
national
370
-
4 973
-
total
6 054
-
17 856
-
Employer
22 403
-
50 055
-
accident
23
-
50
-
unemployment
145
-
326
-
pensions
3 887
-
8 684
-
health
172
-
385
-
total
4 227
-
9 445
-
Corporate
32 870
59 500
-
-
income
6 574
11 900
-
-
total
6 574
11 900
-
-
Dividends

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

19 722
35 700
-
-
national
330
2 927
-
-
municipal
3 550
6 426
-
-
total
3 880
9 353
-
-
Income
59 500
59 500
59 500
59 500
Total tax
20 735
21 253
27 301
19 144
After tax
38 765
38 247
32 199
40 356
Living cost
16 348
16 348
16 348
16 348
Free-cash
22 417
21 899
15 851
24 008

Estimated living cost  is ₴16348 per week

₴10679
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1572
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴260
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.
₴3837
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.

Source of data for Helsinki model

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