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
₴ 95500
per

Your estimated
City
free-cash

Helsinki , Finland
₴42233
₴31294
₴43465
₴42139
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

-
-
-
95 500
municipal
-
-
-
16 957
health
-
-
-
1 291
national
-
-
-
18 556
total
-
-
-
36 804
Employee
22 561
-
80 340
-
pensions
1 523
-
5 423
-
national
373
-
11 819
-
municipal
3 695
-
13 078
-
unemployment
339
-
1 205
-
health
168
-
1 058
-
total
6 098
-
32 583
-
Employer
22 561
-
80 340
-
pensions
3 914
-
13 939
-
accident
23
-
81
-
health
173
-
618
-
unemployment
146
-
522
-
total
4 256
-
15 160
-
Corporate
68 682
95 500
-
-
income
13 736
19 100
-
-
total
13 736
19 100
-
-
Dividends

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

41 209
57 300
-
-
municipal
7 417
10 314
-
-
national
4 065
7 484
-
-
total
11 482
17 798
-
-
Income
95 500
95 500
95 500
95 500
Total tax
35 572
36 898
47 743
36 804
After tax
59 928
58 602
47 757
58 696
Living cost
16 463
16 463
16 463
16 463
Free-cash
43 465
42 139
31 294
42 233

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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