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
₴ 82000
per

Your estimated
City
free-cash

Helsinki , Finland
₴34532
₴35768
₴35493
₴26100
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

-
-
-
82 000
municipal
-
-
-
14 565
health
-
-
-
1 084
national
-
-
-
14 415
total
-
-
-
30 064
Employee
22 533
-
68 982
-
health
168
-
883
-
municipal
3 691
-
11 233
-
pensions
1 521
-
4 656
-
unemployment
338
-
1 035
-
national
372
-
8 631
-
total
6 090
-
26 438
-
Employer
22 533
-
68 982
-
accident
23
-
69
-
unemployment
146
-
449
-
pensions
3 909
-
11 969
-
health
173
-
532
-
total
4 251
-
13 019
-
Corporate
55 215
82 000
-
-
income
11 043
16 400
-
-
total
11 043
16 400
-
-
Dividends

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

33 129
49 200
-
-
national
2 442
5 769
-
-
municipal
5 963
8 856
-
-
total
8 405
14 625
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 789
31 025
39 457
30 064
After tax
52 211
50 975
42 543
51 936
Living cost
16 443
16 443
16 443
16 443
Free-cash
35 768
34 532
26 100
35 493

Estimated living cost  is ₴16443 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.
 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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