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
₴ 75500
per

Your estimated
City
free-cash

Helsinki , Finland
₴29807
₴28856
₴21172
₴31310
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

-
-
-
75 500
municipal
-
-
-
13 419
national
-
-
-
10 568
health
-
-
-
953
total
-
-
-
24 940
Employee
26 379
-
63 514
-
national
436
-
6 733
-
unemployment
396
-
952
-
health
197
-
769
-
municipal
4 321
-
10 351
-
pensions
1 780
-
4 287
-
total
7 130
-
23 092
-
Employer
26 379
-
63 514
-
accident
27
-
64
-
pensions
4 577
-
11 020
-
unemployment
171
-
413
-
health
203
-
489
-
total
4 978
-
11 986
-
Corporate
44 144
75 500
-
-
income
8 829
15 100
-
-
total
8 829
15 100
-
-
Dividends

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

26 486
45 300
-
-
municipal
4 768
8 154
-
-
national
738
4 140
-
-
total
5 506
12 294
-
-
Income
75 500
75 500
75 500
75 500
Total tax
26 443
27 394
35 078
24 940
After tax
49 057
48 106
40 422
50 560
Living cost
19 250
19 250
19 250
19 250
Free-cash
29 807
28 856
21 172
31 310

Estimated living cost  is ₴19250 per week

₴12574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1852
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴306
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.
₴4519
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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