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

₴29904

₴21259

₴28945

₴31351

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

955

municipal

13 418

national

10 650

total

25 023

Employee

26 210

63 515

unemployment

393

953

pensions

1 769

4 287

municipal

4 293

10 351

national

433

6 769

health

196

770

total

7 084

23 130

Employer

26 210

63 515

pensions

4 547

11 020

health

201

489

unemployment

170

413

accident

total

4 944

11 985

Corporate

44 345

75 500

income

8 869

15 100

total

8 869

15 100

Dividends

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

26 607

45 300

national

784

4 175

municipal

4 789

8 154

total

5 573

12 329

Income

75 500

Total tax

26 470

27 429

35 115

25 023

After tax

49 030

48 071

40 385

50 477

Living cost

19 126

Free-cash

29 904

28 945

21 259

31 351

Estimated living cost is ₴19126 per week

₴12493

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

₴1840

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

₴304

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.

₴4490

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.