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
₴ 83500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴35451

₴36277

₴26713

₴36727

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

83 500

health

1 108

municipal

14 831

national

14 942

total

30 881

Employee

22 395

70 244

municipal

3 668

11 438

pensions

1 511

4 742

unemployment

336

1 053

national

370

9 053

health

167

904

total

6 052

27 190

Employer

22 395

70 244

accident

unemployment

145

456

health

172

541

pensions

3 885

12 188

total

4 225

13 255

Corporate

56 880

83 500

income

11 376

16 700

total

11 376

16 700

Dividends

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

34 128

50 100

municipal

6 143

9 018

national

2 635

5 989

total

8 778

15 007

Income

83 500

Total tax

30 431

31 707

40 445

30 881

After tax

53 069

51 793

43 055

52 619

Living cost

16 342

Free-cash

36 727

35 451

26 713

36 277

Estimated living cost is ₴16342 per week

₴10675

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

₴1572

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₴260

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.

₴3836

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.