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

₽52015

₽36769

₽50551

₽55348

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

1 693

municipal

24 085

national

18 094

total

43 872

Employee

49 717

113 990

unemployment

746

1 709

pensions

3 355

7 695

municipal

8 143

18 580

national

821

11 595

health

371

1 361

total

13 436

40 940

Employer

49 717

113 990

pensions

8 626

19 778

health

382

877

unemployment

323

741

accident

115

total

9 381

21 511

Corporate

76 402

135 500

income

15 280

27 100

total

15 280

27 100

Dividends

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

45 841

81 300

national

857

6 936

municipal

8 251

14 633

total

9 108

21 569

Income

135 500

Total tax

47 205

48 669

62 451

43 872

After tax

88 295

86 831

73 049

91 628

Living cost

36 280

Free-cash

52 015

50 551

36 769

55 348

Estimated living cost is ₽36280 per week

₽23698

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

₽3490

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

₽577

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.

₽8516

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.