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
₽ 140500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽51422

₽52519

₽56407

₽37140

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

140 500

municipal

24 977

health

1 739

national

18 369

total

45 085

Employee

53 456

118 197

health

399

1 396

municipal

8 756

19 270

pensions

3 608

7 979

unemployment

802

1 774

national

883

11 630

total

14 448

42 049

Employer

53 456

118 197

accident

118

unemployment

347

767

pensions

9 274

20 508

health

411

910

total

10 086

22 303

Corporate

76 958

140 500

income

15 392

28 100

total

15 392

28 100

Dividends

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

46 174

84 300

national

735

6 796

municipal

8 312

15 174

total

9 047

21 970

Income

140 500

Total tax

48 973

50 070

64 352

45 085

After tax

91 527

90 430

76 148

95 415

Living cost

39 008

Free-cash

52 519

51 422

37 140

56 407

Estimated living cost is ₽39008 per week

₽25480

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

₽3752

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

₽621

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.

₽9157

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.