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
₴ 86000
per

Your estimated
City
free-cash

Helsinki , Finland
₴37485
₴27636
₴38101
₴36776
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

-
-
-
86 000
municipal
-
-
-
15 274
health
-
-
-
1 146
national
-
-
-
15 632
total
-
-
-
32 052
Employee
22 561
-
72 347
-
pensions
1 523
-
4 883
-
national
373
-
9 566
-
municipal
3 695
-
11 780
-
unemployment
339
-
1 086
-
health
168
-
935
-
total
6 098
-
28 250
-
Employer
22 561
-
72 347
-
pensions
3 914
-
12 552
-
accident
23
-
72
-
health
173
-
557
-
unemployment
146
-
470
-
total
4 256
-
13 651
-
Corporate
59 182
86 000
-
-
income
11 836
17 200
-
-
total
11 836
17 200
-
-
Dividends

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

35 510
51 600
-
-
municipal
6 392
9 288
-
-
national
2 854
6 273
-
-
total
9 246
15 561
-
-
Income
86 000
86 000
86 000
86 000
Total tax
31 436
32 761
41 901
32 052
After tax
54 564
53 239
44 099
53 948
Living cost
16 463
16 463
16 463
16 463
Free-cash
38 101
36 776
27 636
37 485

Estimated living cost  is ₴16463 per week

₴10754
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1584
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.
₴3865
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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