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
$ 1100
per

Your estimated
City
free-cash

Helsinki , Finland
$361
$208
$289
$312
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

-
-
-
1 100
municipal
-
-
-
196
health
-
-
-
12
national
-
-
-
112
total
-
-
-
320
Employee
575
-
925
-
pensions
39
-
62
-
national
9
-
61
-
municipal
94
-
151
-
unemployment
9
-
14
-
health
4
-
10
-
total
155
-
298
-
Employer
575
-
925
-
pensions
100
-
161
-
accident
1
-
1
-
health
4
-
7
-
unemployment
4
-
6
-
total
109
-
175
-
Corporate
417
1 100
-
-
income
83
220
-
-
total
83
220
-
-
Dividends

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

250
660
-
-
municipal
45
119
-
-
national
-
30
-
-
total
45
149
-
-
Income
1 100
1 100
1 100
1 100
Total tax
392
369
473
320
After tax
708
731
627
780
Living cost
419
419
419
419
Free-cash
289
312
208
361

Estimated living cost  is $419 per week

$274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
$40
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
$7
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.
$98
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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