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

₴30042

₴21388

₴29076

₴31412

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

957

municipal

13 418

national

10 771

total

25 146

Employee

25 958

63 515

unemployment

389

953

pensions

1 752

4 287

municipal

4 252

10 351

national

429

6 821

health

194

772

total

7 016

23 184

Employer

25 958

63 515

pensions

4 504

11 020

health

199

489

unemployment

169

413

accident

total

4 898

11 986

Corporate

44 645

75 500

income

8 929

15 100

total

8 929

15 100

Dividends

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

26 786

45 300

national

851

4 228

municipal

4 822

8 154

total

5 673

12 382

Income

75 500

Total tax

26 516

27 482

35 170

25 146

After tax

48 984

48 018

40 330

50 354

Living cost

18 942

Free-cash

30 042

29 076

21 388

31 412

Estimated living cost is ₴18942 per week

₴12373

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

₴1822

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

₴301

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.

₴4446

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.