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

₴29745

₴28798

₴21113

₴31282

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

13 419

national

10 514

health

953

total

24 886

Employee

26 492

63 515

national

438

6 711

unemployment

398

953

health

198

768

municipal

4 339

10 351

pensions

1 788

4 288

total

7 161

23 071

Employer

26 492

63 515

accident

pensions

4 596

11 019

unemployment

172

413

health

204

489

total

4 999

11 984

Corporate

44 010

75 500

income

8 802

15 100

total

8 802

15 100

Dividends

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

26 406

45 300

municipal

4 753

8 154

national

708

4 116

total

5 461

12 270

Income

75 500

Total tax

26 423

27 370

35 055

24 886

After tax

49 077

48 130

40 445

50 614

Living cost

19 332

Free-cash

29 745

28 798

21 113

31 282

Estimated living cost is ₴19332 per week

₴12628

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

₴1860

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

₴308

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.

₴4538

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.