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
₽ 119500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽39292

₽39015

₽44034

₽27648

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

119 500

municipal

21 254

health

1 419

national

14 050

total

36 723

Employee

53 092

100 532

health

396

1 128

municipal

8 696

16 400

pensions

3 583

6 787

unemployment

797

1 507

national

877

8 318

total

14 349

34 140

Employer

53 092

100 532

accident

100

unemployment

345

653

pensions

9 211

17 442

health

408

774

total

10 018

18 969

Corporate

56 391

119 500

income

11 277

23 901

total

11 277

23 901

Dividends

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

33 835

71 699

national

4 659

municipal

6 090

12 905

total

6 098

17 564

Income

119 500

Total tax

41 742

41 465

53 109

36 723

After tax

77 758

78 035

66 391

82 777

Living cost

38 743

Free-cash

39 015

39 292

27 648

44 034

Estimated living cost is ₽38743 per week

₽25307

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.

₽9094

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.