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

₽51972

₽50518

₽36738

₽55316

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

municipal

24 086

national

18 082

health

1 691

total

43 859

Employee

49 778

113 990

national

822

11 582

unemployment

747

1 709

health

372

1 361

municipal

8 153

18 581

pensions

3 359

7 694

total

13 453

40 927

Employer

49 778

113 990

accident

113

pensions

8 636

19 777

unemployment

323

742

health

382

878

total

9 391

21 510

Corporate

76 329

135 500

income

15 265

27 099

total

15 265

27 099

Dividends

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

45 798

81 301

municipal

8 243

14 635

national

851

6 923

total

9 094

21 558

Income

135 500

Total tax

47 203

48 657

62 437

43 859

After tax

88 297

86 843

73 063

91 641

Living cost

36 325

Free-cash

51 972

50 518

36 738

55 316

Estimated living cost is ₽36325 per week

₽23727

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

₽3494

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

₽578

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.

₽8527

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.