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
₴ 86500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴37034

₴38360

₴37724

₴27815

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

86 500

municipal

15 362

health

1 153

national

15 765

total

32 280

Employee

22 605

72 769

health

169

941

municipal

3 703

11 849

pensions

1 526

4 912

unemployment

339

1 092

national

373

9 664

total

6 110

28 458

Employer

22 605

72 769

accident

unemployment

147

473

pensions

3 922

12 625

health

174

560

total

4 266

13 731

Corporate

59 630

86 500

income

11 926

17 300

total

11 926

17 300

Dividends

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

35 778

51 900

national

2 902

6 328

municipal

6 440

9 342

total

9 342

15 670

Income

86 500

Total tax

31 644

32 970

42 189

32 280

After tax

54 856

53 530

44 311

54 220

Living cost

16 496

Free-cash

38 360

37 034

27 815

37 724

Estimated living cost is ₴16496 per week

₴10775

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

₴1587

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

₴263

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.

₴3872

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.