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

₽53222

₽51528

₽37741

₽56071

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

24 083

national

18 728

health

1 707

total

44 518

Employee

47 841

113 990

national

790

11 982

unemployment

718

1 710

health

357

1 375

municipal

7 836

18 578

pensions

3 229

7 694

total

12 930

41 339

Employer

47 841

113 990

accident

114

pensions

8 300

19 777

unemployment

311

740

health

368

878

total

9 027

21 509

Corporate

78 632

135 500

income

15 727

27 101

total

15 727

27 101

Dividends

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

47 179

81 299

municipal

8 492

14 633

national

1 191

7 327

total

9 683

21 960

Income

135 500

Total tax

47 367

49 061

62 848

44 518

After tax

88 133

86 439

72 652

90 982

Living cost

34 911

Free-cash

53 222

51 528

37 741

56 071

Estimated living cost is ₽34911 per week

₽22804

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

₽3358

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

₽556

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.

₽8195

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.