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

₴29163

₴21475

₴31453

₴30134

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

958

municipal

13 417

national

10 851

total

25 226

Employee

25 791

63 514

municipal

4 224

10 350

unemployment

387

953

pensions

1 741

4 288

national

426

6 855

health

193

773

total

6 971

23 219

Employer

25 791

63 514

health

198

489

pensions

4 475

11 020

accident

unemployment

167

413

total

4 866

11 985

Corporate

44 842

75 500

income

8 969

15 100

total

8 969

15 100

Dividends

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

26 905

45 300

municipal

4 843

8 154

national

896

4 262

total

5 739

12 416

Income

75 500

Total tax

26 545

27 516

35 204

25 226

After tax

48 955

47 984

40 296

50 274

Living cost

18 821

Free-cash

30 134

29 163

21 475

31 453

Estimated living cost is ₴18821 per week

₴12294

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

₴1810

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

₴300

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.

₴4418

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.