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
₴ 64000
per

Your estimated
City
free-cash

Helsinki , Finland
₴24370
₴25172
₴26499
₴17857
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

-
-
-
64 000
municipal
-
-
-
11 374
health
-
-
-
807
national
-
-
-
8 876
total
-
-
-
21 057
Employee
22 534
-
53 840
-
health
168
-
650
-
municipal
3 691
-
8 774
-
pensions
1 521
-
3 634
-
unemployment
338
-
808
-
national
372
-
5 672
-
total
6 090
-
19 538
-
Employer
22 534
-
53 840
-
accident
23
-
54
-
unemployment
146
-
350
-
pensions
3 910
-
9 342
-
health
173
-
415
-
total
4 252
-
10 161
-
Corporate
37 214
64 000
-
-
income
7 443
12 800
-
-
total
7 443
12 800
-
-
Dividends

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

22 328
38 400
-
-
national
580
3 474
-
-
municipal
4 019
6 912
-
-
total
4 599
10 386
-
-
Income
64 000
64 000
64 000
64 000
Total tax
22 384
23 186
29 699
21 057
After tax
41 616
40 814
34 301
42 943
Living cost
16 444
16 444
16 444
16 444
Free-cash
25 172
24 370
17 857
26 499

Estimated living cost  is ₴16444 per week

₴10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴262
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.
₴3860
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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