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
₴ 99000
per

Your estimated
City
free-cash

Helsinki , Finland
₴44098
₴45423
₴43973
₴32635
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

-
-
-
99 000
municipal
-
-
-
17 578
health
-
-
-
1 345
national
-
-
-
19 617
total
-
-
-
38 540
Employee
22 594
-
83 285
-
health
169
-
1 103
-
municipal
3 701
-
13 556
-
pensions
1 525
-
5 621
-
unemployment
339
-
1 249
-
national
373
-
12 634
-
total
6 107
-
34 163
-
Employer
22 594
-
83 285
-
accident
23
-
83
-
unemployment
147
-
541
-
pensions
3 920
-
14 450
-
health
174
-
641
-
total
4 264
-
15 715
-
Corporate
72 144
99 000
-
-
income
14 428
19 800
-
-
total
14 428
19 800
-
-
Dividends

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

43 286
59 400
-
-
national
4 499
7 923
-
-
municipal
7 792
10 692
-
-
total
12 291
18 615
-
-
Income
99 000
99 000
99 000
99 000
Total tax
37 090
38 415
49 878
38 540
After tax
61 910
60 585
49 122
60 460
Living cost
16 487
16 487
16 487
16 487
Free-cash
45 423
44 098
32 635
43 973

Estimated living cost  is ₴16487 per week

₴10769
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.
₴3870
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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