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
₽ 138000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽38373

₽52416

₽57075

₽54140

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

138 000

health

1 737

national

19 017

municipal

24 528

total

45 282

Employee

48 844

116 094

municipal

8 000

18 922

national

807

12 179

pensions

3 296

7 836

health

365

1 401

unemployment

733

1 741

total

13 201

42 079

Employer

48 844

116 094

unemployment

317

754

health

375

893

accident

116

pensions

8 474

20 142

total

9 215

21 905

Corporate

79 940

138 000

income

15 988

27 600

total

15 988

27 600

Dividends

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

47 964

82 800

national

1 180

7 436

municipal

8 633

14 905

total

9 813

22 341

Income

138 000

Total tax

48 217

49 941

63 984

45 282

After tax

89 783

88 059

74 016

92 718

Living cost

35 643

Free-cash

54 140

52 416

38 373

57 075

Estimated living cost is ₽35643 per week

₽23282

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

₽3428

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

₽567

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.

₽8367

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.