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

₽49112

₽35380

₽53959

₽50023

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

1 671

municipal

24 090

national

17 540

total

43 301

Employee

52 403

113 992

municipal

8 583

18 584

unemployment

786

1 711

pensions

3 536

7 695

national

866

11 042

health

391

1 340

total

14 162

40 372

Employer

52 403

113 992

health

403

877

pensions

9 092

19 777

accident

113

unemployment

340

741

total

9 888

21 508

Corporate

73 209

135 500

income

14 641

27 099

total

14 641

27 099

Dividends

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

43 926

81 301

municipal

7 907

14 634

national

639

6 415

total

8 546

21 049

Income

135 500

Total tax

47 237

48 148

61 880

43 301

After tax

88 263

87 352

73 620

92 199

Living cost

38 240

Free-cash

50 023

49 112

35 380

53 959

Estimated living cost is ₽38240 per week

₽24978

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

₽3678

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

₽609

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.

₽8976

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.