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
City
free-cash

Helsinki , Finland
₴32108
₴24178
₴32825
₴33264
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
-
-
-
1 003
municipal
-
-
-
13 410
national
-
-
-
13 559
total
-
-
-
27 972
Employee
20 149
-
63 515
-
health
150
-
818
-
municipal
3 300
-
10 342
-
pensions
1 360
-
4 287
-
national
333
-
8 234
-
unemployment
302
-
953
-
total
5 445
-
24 634
-
Employer
20 149
-
63 515
-
accident
20
-
63
-
unemployment
131
-
413
-
health
155
-
489
-
pensions
3 496
-
11 020
-
total
3 802
-
11 985
-
Corporate
51 549
75 500
-
-
income
10 310
15 100
-
-
total
10 310
15 100
-
-
Dividends

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

30 929
45 300
-
-
municipal
5 567
8 154
-
-
national
2 409
5 435
-
-
total
7 976
13 589
-
-
Income
75 500
75 500
75 500
75 500
Total tax
27 533
28 689
36 619
27 972
After tax
47 967
46 811
38 881
47 528
Living cost
14 703
14 703
14 703
14 703
Free-cash
33 264
32 108
24 178
32 825

Estimated living cost  is ₴14703 per week

₴9604
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴234
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.
₴3451
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.

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