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
₴ 94500
per

Your estimated
City
free-cash

Helsinki , Finland
₴41588
₴42913
₴41740
₴30915
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

-
-
-
94 500
municipal
-
-
-
16 780
health
-
-
-
1 277
national
-
-
-
18 260
total
-
-
-
36 317
Employee
22 533
-
79 498
-
health
168
-
1 045
-
municipal
3 691
-
12 941
-
pensions
1 521
-
5 366
-
unemployment
338
-
1 192
-
national
372
-
11 596
-
total
6 090
-
32 140
-
Employer
22 533
-
79 498
-
accident
23
-
80
-
unemployment
146
-
517
-
pensions
3 909
-
13 793
-
health
173
-
612
-
total
4 251
-
15 002
-
Corporate
67 715
94 500
-
-
income
13 543
18 900
-
-
total
13 543
18 900
-
-
Dividends

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

40 629
56 700
-
-
national
3 947
7 363
-
-
municipal
7 313
10 206
-
-
total
11 260
17 569
-
-
Income
94 500
94 500
94 500
94 500
Total tax
35 144
36 469
47 142
36 317
After tax
59 356
58 031
47 358
58 183
Living cost
16 443
16 443
16 443
16 443
Free-cash
42 913
41 588
30 915
41 740

Estimated living cost  is ₴16443 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.
 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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