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

₽52866

₽37406

₽51195

₽55913

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

1 702

municipal

24 084

national

18 421

total

44 207

Employee

48 484

113 990

unemployment

727

1 710

pensions

3 272

7 695

municipal

7 941

18 579

national

801

11 849

health

362

1 371

total

13 103

41 204

Employer

48 484

113 990

pensions

8 412

19 777

health

372

878

unemployment

315

741

accident

114

total

9 148

21 510

Corporate

77 868

135 500

income

15 573

27 099

total

15 573

27 099

Dividends

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

46 721

81 300

national

1 020

7 192

municipal

8 410

14 634

total

9 430

21 826

Income

135 500

Total tax

47 254

48 925

62 714

44 207

After tax

88 246

86 575

72 786

91 293

Living cost

35 380

Free-cash

52 866

51 195

37 406

55 913

Estimated living cost is ₽35380 per week

₽23110

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

₽3403

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

₽563

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.

₽8305

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.