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

₴29876

₴28919

₴21233

₴31339

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

10 626

health

955

total

24 999

Employee

26 259

63 515

national

434

6 759

unemployment

394

953

health

196

770

municipal

4 301

10 351

pensions

1 772

4 287

total

7 097

23 120

Employer

26 259

63 515

accident

pensions

4 556

11 020

unemployment

170

413

health

202

489

total

4 955

11 985

Corporate

44 286

75 500

income

8 857

15 100

total

8 857

15 100

Dividends

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

26 572

45 300

municipal

4 783

8 154

national

770

4 165

total

5 553

12 319

Income

75 500

Total tax

26 462

27 419

35 105

24 999

After tax

49 038

48 081

40 395

50 501

Living cost

19 162

Free-cash

29 876

28 919

21 233

31 339

Estimated living cost is ₴19162 per week

₴12517

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

₴1843

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

₴305

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.

₴4498

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.