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

₽50732

₽36950

₽55529

₽52273

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

1 695

municipal

24 085

national

18 167

total

43 947

Employee

49 366

113 990

municipal

8 086

18 581

unemployment

741

1 709

pensions

3 332

7 694

national

816

11 668

health

369

1 364

total

13 344

41 016

Employer

49 366

113 990

health

379

878

pensions

8 565

19 777

accident

114

unemployment

321

741

total

9 315

21 510

Corporate

76 819

135 500

income

15 363

27 101

total

15 363

27 101

Dividends

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

46 092

81 299

municipal

8 296

14 633

national

885

7 010

total

9 181

21 643

Income

135 500

Total tax

47 203

48 744

62 526

43 947

After tax

88 297

86 756

72 974

91 553

Living cost

36 024

Free-cash

52 273

50 732

36 950

55 529

Estimated living cost is ₽36024 per week

₽23531

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

₽3465

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

₽573

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.

₽8456

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.