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
₴ 78500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴32556

₴33706

₴33743

₴24543

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

78 500

municipal

13 945

health

1 030

national

13 338

total

28 313

Employee

22 535

66 039

health

168

838

municipal

3 691

10 755

pensions

1 521

4 457

unemployment

338

991

national

372

8 011

total

6 090

25 052

Employer

22 535

66 039

accident

unemployment

146

429

pensions

3 910

11 457

health

173

509

total

4 252

12 461

Corporate

51 714

78 500

income

10 343

15 700

total

10 343

15 700

Dividends

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

31 028

47 100

national

2 080

5 322

municipal

5 585

8 478

total

7 665

13 800

Income

78 500

Total tax

28 350

29 500

37 513

28 313

After tax

50 150

49 000

40 987

50 187

Living cost

16 444

Free-cash

33 706

32 556

24 543

33 743

Estimated living cost is ₴16444 per week

₴10741

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

₴1582

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.

₴3860

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.