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
₴ 87500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴37636

₴38960

₴38242

₴28218

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

87 500

municipal

15 539

health

1 169

national

16 106

total

32 814

Employee

22 535

73 610

health

168

955

municipal

3 691

11 985

pensions

1 521

4 969

unemployment

338

1 104

national

372

9 934

total

6 090

28 947

Employer

22 535

73 610

accident

unemployment

146

479

pensions

3 910

12 771

health

173

567

total

4 252

13 891

Corporate

60 714

87 500

income

12 143

17 500

total

12 143

17 500

Dividends

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

36 428

52 500

national

3 054

6 470

municipal

6 557

9 450

total

9 611

15 920

Income

87 500

Total tax

32 096

33 420

42 838

32 814

After tax

55 404

54 080

44 662

54 686

Living cost

16 444

Free-cash

38 960

37 636

28 218

38 242

Estimated living cost is ₴16444 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.

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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.