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

₴30157

₴21496

₴29183

₴31462

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

health

959

municipal

13 417

national

10 868

total

25 244

Employee

25 755

63 515

unemployment

386

953

pensions

1 738

4 287

municipal

4 219

10 350

national

425

6 862

health

192

774

total

6 960

23 226

Employer

25 755

63 515

pensions

4 468

11 020

health

198

489

unemployment

167

412

accident

total

4 859

11 984

Corporate

44 885

75 500

income

8 977

15 100

total

8 977

15 100

Dividends

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

26 931

45 300

national

906

4 269

municipal

4 847

8 154

total

5 753

12 423

Income

75 500

Total tax

26 549

27 523

35 210

25 244

After tax

48 951

47 977

40 290

50 256

Living cost

18 794

Free-cash

30 157

29 183

21 496

31 462

Estimated living cost is ₴18794 per week

₴12276

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

₴1808

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

₴299

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.

₴4412

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.