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

₽38255

₽52297

₽57021

₽54010

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

municipal

24 527

national

18 906

health

1 736

total

45 169

Employee

49 073

116 092

health

366

1 398

pensions

3 312

7 836

unemployment

736

1 742

national

811

12 131

municipal

8 038

18 922

total

13 263

42 029

Employer

49 073

116 092

unemployment

319

754

accident

117

health

377

894

pensions

8 514

20 141

total

9 260

21 906

Corporate

79 668

138 000

income

15 934

27 600

total

15 934

27 600

Dividends

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

47 801

82 800

national

1 119

7 389

municipal

8 604

14 904

total

9 723

22 293

Income

138 000

Total tax

48 180

49 893

63 935

45 169

After tax

89 820

88 107

74 065

92 831

Living cost

35 810

Free-cash

54 010

52 297

38 255

57 021

Estimated living cost is ₽35810 per week

₽23391

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

₽3444

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

₽570

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.

₽8406

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.