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
₽ 124500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽42064

₽42076

₽46871

₽29798

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

124 500

municipal

22 142

health

1 494

national

15 036

total

38 672

Employee

53 385

104 736

health

399

1 190

municipal

8 744

17 084

pensions

3 603

7 071

unemployment

801

1 571

national

882

9 065

total

14 429

35 981

Employer

53 385

104 736

accident

104

unemployment

347

682

pensions

9 262

18 171

health

410

807

total

10 073

19 764

Corporate

61 043

124 500

income

12 208

24 899

total

12 208

24 899

Dividends

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

36 626

74 700

national

164

5 134

municipal

6 593

13 446

total

6 757

18 580

Income

124 500

Total tax

43 467

43 479

55 745

38 672

After tax

81 033

81 021

68 755

85 828

Living cost

38 957

Free-cash

42 076

42 064

29 798

46 871

Estimated living cost is ₽38957 per week

₽25446

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

₽3747

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

₽620

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.

₽9144

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.