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
₴ 72500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴30741

₴21762

₴30161

₴29155

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

72 500

municipal

12 881

health

937

national

11 478

total

25 296

Employee

22 561

60 991

pensions

1 523

4 117

national

373

7 038

municipal

3 695

9 936

unemployment

339

915

health

168

760

total

6 098

22 766

Employer

22 561

60 991

pensions

3 914

10 582

accident

health

173

470

unemployment

146

396

total

4 256

11 509

Corporate

45 682

72 500

income

9 136

14 500

total

9 136

14 500

Dividends

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

27 410

43 500

municipal

4 934

7 830

national

1 452

4 552

total

6 386

12 382

Income

72 500

Total tax

25 876

26 882

34 275

25 296

After tax

46 624

45 618

38 225

47 204

Living cost

16 463

Free-cash

30 161

29 155

21 762

30 741

Estimated living cost is ₴16463 per week

₴10754

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

₴1584

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.

₴3865

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.

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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.