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
₴ 73500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴29806

₴31280

₴22309

₴30842

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

73 500

health

954

municipal

13 058

national

11 866

total

25 878

Employee

22 395

61 832

municipal

3 668

10 072

pensions

1 511

4 174

unemployment

336

927

national

370

7 233

health

167

775

total

6 052

23 181

Employer

22 395

61 832

accident

unemployment

145

402

health

172

476

pensions

3 885

10 728

total

4 225

11 668

Corporate

46 880

73 500

income

9 376

14 700

total

9 376

14 700

Dividends

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

28 128

44 100

municipal

5 063

7 938

national

1 600

4 714

total

6 663

12 652

Income

73 500

Total tax

26 316

27 352

34 849

25 878

After tax

47 184

46 148

38 651

47 622

Living cost

16 342

Free-cash

30 842

29 806

22 309

31 280

Estimated living cost is ₴16342 per week

₴10675

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.

₴3836

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.