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
₽ 105500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽31051

₽29331

₽35657

₽21079

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

105 500

municipal

18 774

health

1 203

national

11 121

total

31 098

Employee

53 095

88 752

health

396

946

municipal

8 697

14 488

pensions

3 583

5 990

unemployment

797

1 331

national

877

6 174

total

14 350

28 929

Employer

53 095

88 752

accident

unemployment

345

576

pensions

9 212

15 399

health

408

684

total

10 019

16 747

Corporate

42 387

105 500

income

8 478

21 101

total

8 478

21 101

Dividends

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

25 431

63 299

national

3 210

municipal

4 577

11 393

total

4 577

14 603

Income

105 500

Total tax

37 424

35 704

45 676

31 098

After tax

68 076

69 796

59 824

74 402

Living cost

38 745

Free-cash

29 331

31 051

21 079

35 657

Estimated living cost is ₽38745 per week

₽25308

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

₽3727

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

₽617

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.

₽9095

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.