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
₴ 65000
per

Your estimated
City
free-cash

Helsinki , Finland
₴25004
₴25835
₴27030
₴18386
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

-
-
-
65 000
municipal
-
-
-
11 552
health
-
-
-
823
national
-
-
-
9 247
total
-
-
-
21 622
Employee
22 403
-
54 681
-
health
167
-
664
-
municipal
3 669
-
8 911
-
pensions
1 512
-
3 691
-
unemployment
336
-
820
-
national
370
-
5 861
-
total
6 054
-
19 947
-
Employer
22 403
-
54 681
-
accident
23
-
55
-
unemployment
145
-
356
-
pensions
3 887
-
9 487
-
health
172
-
421
-
total
4 227
-
10 319
-
Corporate
38 370
65 000
-
-
income
7 674
13 000
-
-
total
7 674
13 000
-
-
Dividends

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

23 022
39 000
-
-
national
718
3 628
-
-
municipal
4 144
7 020
-
-
total
4 862
10 648
-
-
Income
65 000
65 000
65 000
65 000
Total tax
22 817
23 648
30 266
21 622
After tax
42 183
41 352
34 734
43 378
Living cost
16 348
16 348
16 348
16 348
Free-cash
25 835
25 004
18 386
27 030

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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close