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

₴29884

₴28927

₴21242

₴31343

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

municipal

13 418

national

10 634

health

954

total

25 006

Employee

26 245

63 515

national

434

6 762

unemployment

394

952

health

196

770

municipal

4 299

10 351

pensions

1 771

4 287

total

7 094

23 122

Employer

26 245

63 515

accident

pensions

4 553

11 020

unemployment

170

413

health

202

489

total

4 952

11 985

Corporate

44 304

75 500

income

8 860

15 100

total

8 860

15 100

Dividends

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

26 582

45 300

municipal

4 785

8 154

national

774

4 168

total

5 559

12 322

Income

75 500

Total tax

26 465

27 422

35 107

25 006

After tax

49 035

48 078

40 393

50 494

Living cost

19 151

Free-cash

29 884

28 927

21 242

31 343

Estimated living cost is ₴19151 per week

₴12510

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

₴1842

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

₴305

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.

₴4496

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.