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
₽ 125500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽42821

₽42949

₽47621

₽30414

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

125 500

municipal

22 318

health

1 511

national

15 305

total

39 134

Employee

53 094

105 577

health

396

1 205

municipal

8 696

17 219

pensions

3 583

7 126

unemployment

797

1 584

national

877

9 286

total

14 349

36 420

Employer

53 094

105 577

accident

105

unemployment

345

686

pensions

9 212

18 318

health

408

812

total

10 019

19 921

Corporate

62 388

125 500

income

12 477

25 099

total

12 477

25 099

Dividends

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

37 433

75 301

national

224

5 280

municipal

6 737

13 555

total

6 961

18 835

Income

125 500

Total tax

43 806

43 934

56 341

39 134

After tax

81 694

81 566

69 159

86 366

Living cost

38 745

Free-cash

42 949

42 821

30 414

47 621

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.