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

Best value All models

City

free-cash

Helsinki , Finland

₴29981

₴29017

₴21330

₴31385

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

13 418

national

10 716

health

955

total

25 089

Employee

26 072

63 514

national

431

6 797

unemployment

391

953

health

195

771

municipal

4 270

10 350

pensions

1 760

4 287

total

7 047

23 158

Employer

26 072

63 514

accident

pensions

4 523

11 020

unemployment

169

413

health

200

489

total

4 918

11 986

Corporate

44 508

75 500

income

8 902

15 100

total

8 902

15 100

Dividends

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

26 705

45 300

municipal

4 806

8 154

national

820

4 203

total

5 626

12 357

Income

75 500

Total tax

26 493

27 457

35 144

25 089

After tax

49 007

48 043

40 356

50 411

Living cost

19 026

Free-cash

29 981

29 017

21 330

31 385

Estimated living cost is ₴19026 per week

₴12428

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

₴1830

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₴303

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.

₴4466

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.