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
₽ 108500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽37707

₽22832

₽31815

₽33107

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

108 500

municipal

19 305

health

1 254

national

11 850

total

32 409

Employee

52 601

91 276

pensions

3 550

6 160

national

869

6 646

municipal

8 616

14 896

unemployment

789

1 370

health

393

988

total

14 217

30 060

Employer

52 601

91 276

pensions

9 126

15 837

accident

health

404

702

unemployment

342

594

total

9 925

17 224

Corporate

45 975

108 500

income

9 194

21 699

total

9 194

21 699

Dividends

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

27 585

65 101

municipal

4 965

11 718

national

3 592

total

4 965

15 310

Income

108 500

Total tax

38 301

37 009

47 284

32 409

After tax

70 199

71 491

61 216

76 091

Living cost

38 384

Free-cash

31 815

33 107

22 832

37 707

Estimated living cost is ₽38384 per week

₽25073

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

₽3692

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

₽611

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.

₽9010

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.