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
₴ 80000
per

Your estimated
City
free-cash

Helsinki , Finland
₴33374
₴34558
₴34480
₴25205
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

-
-
-
80 000
municipal
-
-
-
14 211
health
-
-
-
1 053
national
-
-
-
13 772
total
-
-
-
29 036
Employee
22 589
-
67 300
-
health
169
-
857
-
municipal
3 700
-
10 960
-
pensions
1 524
-
4 542
-
unemployment
339
-
1 010
-
national
373
-
8 241
-
total
6 105
-
25 610
-
Employer
22 589
-
67 300
-
accident
23
-
68
-
unemployment
147
-
438
-
pensions
3 919
-
11 677
-
health
174
-
518
-
total
4 263
-
12 701
-
Corporate
53 149
80 000
-
-
income
10 630
16 000
-
-
total
10 630
16 000
-
-
Dividends

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

31 889
48 000
-
-
national
2 220
5 502
-
-
municipal
5 740
8 640
-
-
total
7 960
14 142
-
-
Income
80 000
80 000
80 000
80 000
Total tax
28 958
30 142
38 311
29 036
After tax
51 042
49 858
41 689
50 964
Living cost
16 484
16 484
16 484
16 484
Free-cash
34 558
33 374
25 205
34 480

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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