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
₴ 92500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴40733

₴30138

₴41772

₴40446

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

92 500

municipal

16 426

health

1 246

national

17 633

total

35 305

Employee

22 559

77 816

pensions

1 522

5 252

national

373

11 109

municipal

3 695

12 667

unemployment

338

1 168

health

168

1 020

total

6 096

31 216

Employer

22 559

77 816

pensions

3 914

13 501

accident

health

173

599

unemployment

146

506

total

4 256

14 684

Corporate

65 685

92 500

income

13 137

18 500

total

13 137

18 500

Dividends

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

39 411

55 500

municipal

7 094

9 990

national

3 683

7 102

total

10 777

17 092

Income

92 500

Total tax

34 266

35 592

45 900

35 305

After tax

58 234

56 908

46 600

57 195

Living cost

16 462

Free-cash

41 772

40 446

30 138

40 733

Estimated living cost is ₴16462 per week

₴10753

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

₴1583

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.

₴3864

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.