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
₽ 135500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽50365

₽36586

₽55164

₽51751

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

135 500

health

1 689

municipal

24 087

national

18 022

total

43 798

Employee

50 070

113 990

municipal

8 201

18 582

unemployment

751

1 710

pensions

3 379

7 694

national

827

11 522

health

374

1 358

total

13 532

40 866

Employer

50 070

113 990

health

385

878

pensions

8 687

19 778

accident

114

unemployment

325

740

total

9 448

21 510

Corporate

75 983

135 500

income

15 196

27 101

total

15 196

27 101

Dividends

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

45 590

81 299

municipal

8 206

14 634

national

829

6 862

total

9 035

21 496

Income

135 500

Total tax

47 211

48 597

62 376

43 798

After tax

88 289

86 903

73 124

91 702

Living cost

36 538

Free-cash

51 751

50 365

36 586

55 164

Estimated living cost is ₽36538 per week

₽23866

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

₽3514

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

₽582

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.

₽8577

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.