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
₽ 128500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽49668

₽32049

₽45279

₽44875

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

128 500

municipal

22 849

health

1 562

national

16 033

total

40 444

Employee

52 606

108 100

pensions

3 550

7 298

national

869

9 870

municipal

8 616

17 628

unemployment

789

1 622

health

393

1 247

total

14 217

37 665

Employer

52 606

108 100

pensions

9 127

18 755

accident

108

health

404

833

unemployment

342

702

total

9 926

20 398

Corporate

65 968

128 500

income

13 193

25 699

total

13 193

25 699

Dividends

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

39 581

77 100

municipal

7 125

13 878

national

372

5 660

total

7 497

19 538

Income

128 500

Total tax

44 833

45 237

58 063

40 444

After tax

83 667

83 263

70 437

88 056

Living cost

38 388

Free-cash

45 279

44 875

32 049

49 668

Estimated living cost is ₽38388 per week

₽25075

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.

₽9011

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.