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
₴ 99500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₴44479

₴45795

₴44270

₴32871

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

99 500

municipal

17 666

health

1 354

national

19 862

total

38 882

Employee

22 403

83 705

health

167

1 111

municipal

3 669

13 624

pensions

1 512

5 650

unemployment

336

1 256

national

370

12 844

total

6 054

34 485

Employer

22 403

83 705

accident

unemployment

145

544

pensions

3 887

14 523

health

172

645

total

4 227

15 796

Corporate

72 870

99 500

income

14 574

19 900

total

14 574

19 900

Dividends

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

43 722

59 700

national

4 632

8 027

municipal

7 870

10 746

total

12 502

18 773

Income

99 500

Total tax

37 357

38 673

50 281

38 882

After tax

62 143

60 827

49 219

60 618

Living cost

16 348

Free-cash

45 795

44 479

32 871

44 270

Estimated living cost is ₴16348 per week

₴10679

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

₴1572

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₴260

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.

₴3837

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.