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

₴30034

₴21382

₴29070

₴31410

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

10 765

total

25 139

Employee

25 970

63 515

unemployment

390

953

pensions

1 753

4 287

municipal

4 254

10 351

national

429

6 818

health

194

772

total

7 020

23 181

Employer

25 970

63 515

pensions

4 506

11 020

health

200

489

unemployment

169

413

accident

total

4 901

11 986

Corporate

44 630

75 500

income

8 926

15 100

total

8 926

15 100

Dividends

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

26 778

45 300

national

848

4 225

municipal

4 820

8 154

total

5 668

12 379

Income

75 500

Total tax

26 515

27 479

35 167

25 139

After tax

48 985

48 021

40 333

50 361

Living cost

18 951

Free-cash

30 034

29 070

21 382

31 410

Estimated living cost is ₴18951 per week

₴12379

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

₴1823

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

₴302

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.

₴4449

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.