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
₴ 72000
per

Your estimated
City
free-cash

Helsinki , Finland
₴30489
₴21532
₴29868
₴28874
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

-
-
-
72 000
municipal
-
-
-
12 793
health
-
-
-
930
national
-
-
-
11 326
total
-
-
-
25 049
Employee
22 559
-
60 571
-
pensions
1 522
-
4 089
-
national
373
-
6 958
-
municipal
3 695
-
9 868
-
unemployment
338
-
909
-
health
168
-
753
-
total
6 096
-
22 577
-
Employer
22 559
-
60 571
-
pensions
3 914
-
10 509
-
accident
23
-
60
-
health
173
-
466
-
unemployment
146
-
394
-
total
4 256
-
11 429
-
Corporate
45 185
72 000
-
-
income
9 037
14 400
-
-
total
9 037
14 400
-
-
Dividends

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

27 111
43 200
-
-
municipal
4 880
7 776
-
-
national
1 401
4 488
-
-
total
6 281
12 264
-
-
Income
72 000
72 000
72 000
72 000
Total tax
25 670
26 664
34 006
25 049
After tax
46 330
45 336
37 994
46 951
Living cost
16 462
16 462
16 462
16 462
Free-cash
29 868
28 874
21 532
30 489

Estimated living cost  is ₴16462 per week

₴10753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1583
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.
₴3864
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