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
₽ 129500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽45175

₽45571

₽50014

₽32256

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

129 500

municipal

23 027

health

1 572

national

16 142

total

40 741

Employee

53 095

108 941

health

396

1 256

municipal

8 697

17 765

pensions

3 583

7 354

unemployment

797

1 634

national

877

9 931

total

14 350

37 940

Employer

53 095

108 941

accident

109

unemployment

345

709

pensions

9 212

18 902

health

408

839

total

10 019

20 559

Corporate

66 387

129 500

income

13 277

25 900

total

13 277

25 900

Dividends

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

39 832

77 700

national

368

5 694

municipal

7 170

13 986

total

7 538

19 680

Income

129 500

Total tax

45 184

45 580

58 499

40 741

After tax

84 316

83 920

71 001

88 759

Living cost

38 745

Free-cash

45 571

45 175

32 256

50 014

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.