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
₴ 96500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴42688

₴44013

₴42724

₴31671

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

96 500

municipal

17 135

health

1 307

national

18 850

total

37 292

Employee

22 588

81 181

health

169

1 071

municipal

3 700

13 214

pensions

1 524

5 480

unemployment

339

1 218

national

373

12 043

total

6 105

33 026

Employer

22 588

81 181

accident

unemployment

147

528

pensions

3 919

14 085

health

174

625

total

4 263

15 319

Corporate

69 650

96 500

income

13 930

19 300

total

13 930

19 300

Dividends

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

41 790

57 900

national

4 183

7 606

municipal

7 522

10 422

total

11 705

18 028

Income

96 500

Total tax

36 003

37 328

48 345

37 292

After tax

60 497

59 172

48 155

59 208

Living cost

16 484

Free-cash

44 013

42 688

31 671

42 724

Estimated living cost is ₴16484 per week

₴10767

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

₴1586

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.

₴3869

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.