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

₴29974

₴21325

₴29011

₴31381

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

956

municipal

13 418

national

10 711

total

25 085

Employee

26 084

63 514

unemployment

391

953

pensions

1 760

4 287

municipal

4 272

10 350

national

431

6 794

health

195

771

total

7 049

23 155

Employer

26 084

63 514

pensions

4 525

11 020

health

200

489

unemployment

169

413

accident

total

4 920

11 986

Corporate

44 495

75 500

income

8 899

15 100

total

8 899

15 100

Dividends

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

26 697

45 300

national

818

4 201

municipal

4 806

8 154

total

5 624

12 355

Income

75 500

Total tax

26 492

27 455

35 141

25 085

After tax

49 008

48 045

40 359

50 415

Living cost

19 034

Free-cash

29 974

29 011

21 325

31 381

Estimated living cost is ₴19034 per week

₴12433

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

₴1831

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.

₴4468

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.