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
₴ 75000
per

Your estimated
City
free-cash

Helsinki , Finland
₴30550
₴31613
₴31982
₴22899
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

-
-
-
75 000
municipal
-
-
-
13 324
health
-
-
-
975
national
-
-
-
12 232
total
-
-
-
26 531
Employee
22 594
-
63 095
-
health
169
-
792
-
municipal
3 701
-
10 277
-
pensions
1 525
-
4 259
-
unemployment
339
-
946
-
national
373
-
7 434
-
total
6 107
-
23 708
-
Employer
22 594
-
63 095
-
accident
23
-
63
-
unemployment
147
-
410
-
pensions
3 920
-
10 947
-
health
174
-
486
-
total
4 264
-
11 906
-
Corporate
48 144
75 000
-
-
income
9 628
15 000
-
-
total
9 628
15 000
-
-
Dividends

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

28 886
45 000
-
-
national
1 702
4 863
-
-
municipal
5 199
8 100
-
-
total
6 901
12 963
-
-
Income
75 000
75 000
75 000
75 000
Total tax
26 900
27 963
35 614
26 531
After tax
48 100
47 037
39 386
48 469
Living cost
16 487
16 487
16 487
16 487
Free-cash
31 613
30 550
22 899
31 982

Estimated living cost  is ₴16487 per week

₴10769
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1586
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.
₴3870
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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