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
₴ 66500
per

Your estimated
City
free-cash

Helsinki , Finland
₴25782
₴26644
₴27749
₴19009
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

-
-
-
66 500
municipal
-
-
-
11 817
health
-
-
-
845
national
-
-
-
9 645
total
-
-
-
22 307
Employee
22 535
-
55 943
-
health
168
-
683
-
municipal
3 691
-
9 117
-
pensions
1 521
-
3 776
-
unemployment
338
-
839
-
national
372
-
6 076
-
total
6 090
-
20 491
-
Employer
22 535
-
55 943
-
accident
23
-
56
-
unemployment
146
-
363
-
pensions
3 910
-
9 706
-
health
173
-
431
-
total
4 252
-
10 556
-
Corporate
39 714
66 500
-
-
income
7 943
13 300
-
-
total
7 943
13 300
-
-
Dividends

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

23 828
39 900
-
-
national
838
3 792
-
-
municipal
4 289
7 182
-
-
total
5 127
10 974
-
-
Income
66 500
66 500
66 500
66 500
Total tax
23 412
24 274
31 047
22 307
After tax
43 088
42 226
35 453
44 193
Living cost
16 444
16 444
16 444
16 444
Free-cash
26 644
25 782
19 009
27 749

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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