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
₴ 79500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴33092

₴34264

₴34231

₴24974

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

79 500

municipal

14 122

health

1 045

national

13 618

total

28 785

Employee

22 589

66 880

health

169

851

municipal

3 700

10 892

pensions

1 524

4 515

unemployment

339

1 003

national

373

8 161

total

6 105

25 422

Employer

22 589

66 880

accident

unemployment

147

435

pensions

3 919

11 603

health

174

515

total

4 263

12 620

Corporate

52 649

79 500

income

10 529

15 900

total

10 529

15 900

Dividends

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

31 589

47 700

national

2 169

5 438

municipal

5 686

8 586

total

7 855

14 024

Income

79 500

Total tax

28 752

29 924

38 042

28 785

After tax

50 748

49 576

41 458

50 715

Living cost

16 484

Free-cash

34 264

33 092

24 974

34 231

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.

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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.