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

₴21344

₴29029

₴31391

₴29994

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

10 728

health

956

total

25 102

Employee

26 047

63 514

health

194

771

pensions

1 758

4 287

unemployment

391

953

national

430

6 803

municipal

4 266

10 350

total

7 039

23 164

Employer

26 047

63 514

unemployment

169

412

accident

health

200

489

pensions

4 519

11 020

total

4 914

11 985

Corporate

44 539

75 500

income

8 908

15 100

total

8 908

15 100

Dividends

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

26 723

45 300

national

828

4 210

municipal

4 810

8 154

total

5 638

12 364

Income

75 500

Total tax

26 499

27 464

35 149

25 102

After tax

49 001

48 036

40 351

50 398

Living cost

19 007

Free-cash

29 994

29 029

21 344

31 391

Estimated living cost is ₴19007 per week

₴12415

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

₴1828

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

₴303

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.

₴4462

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.