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
₽ 131500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽51602

₽33571

₽47447

₽46795

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

131 500

municipal

23 380

health

1 610

national

16 716

total

41 706

Employee

52 337

110 625

pensions

3 532

7 468

national

865

10 409

municipal

8 572

18 038

unemployment

785

1 659

health

391

1 289

total

14 145

38 863

Employer

52 337

110 625

pensions

9 080

19 193

accident

111

health

402

851

unemployment

340

719

total

9 875

20 874

Corporate

69 288

131 500

income

13 858

26 300

total

13 858

26 300

Dividends

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

41 572

78 900

municipal

7 483

14 202

national

500

6 011

total

7 983

20 213

Income

131 500

Total tax

45 861

46 513

59 737

41 706

After tax

85 639

84 987

71 763

89 794

Living cost

38 192

Free-cash

47 447

46 795

33 571

51 602

Estimated living cost is ₽38192 per week

₽24947

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

₽3674

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

₽608

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.

₽8965

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.