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
₴ 77000
per

Your estimated
City
free-cash

Helsinki , Finland
₴31680
₴32792
₴32982
₴23823
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

-
-
-
77 000
municipal
-
-
-
13 679
health
-
-
-
1 006
national
-
-
-
12 849
total
-
-
-
27 534
Employee
22 589
-
64 776
-
health
169
-
818
-
municipal
3 700
-
10 551
-
pensions
1 524
-
4 372
-
unemployment
339
-
972
-
national
373
-
7 757
-
total
6 105
-
24 470
-
Employer
22 589
-
64 776
-
accident
23
-
65
-
unemployment
147
-
421
-
pensions
3 919
-
11 238
-
health
174
-
499
-
total
4 263
-
12 223
-
Corporate
50 149
77 000
-
-
income
10 030
15 400
-
-
total
10 030
15 400
-
-
Dividends

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

30 089
46 200
-
-
national
1 910
5 120
-
-
municipal
5 416
8 316
-
-
total
7 326
13 436
-
-
Income
77 000
77 000
77 000
77 000
Total tax
27 724
28 836
36 693
27 534
After tax
49 276
48 164
40 307
49 466
Living cost
16 484
16 484
16 484
16 484
Free-cash
32 792
31 680
23 823
32 982

Estimated living cost  is ₴16484 per week

₴10767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1586
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴262
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.
₴3869
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.

Source of data for Helsinki model

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