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
₽ 142500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽52738

₽54099

₽57790

₽38252

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

142 500

municipal

25 331

health

1 773

national

18 861

total

45 965

Employee

53 095

119 879

health

396

1 425

municipal

8 697

19 542

pensions

3 583

8 091

unemployment

797

1 798

national

877

12 026

total

14 350

42 882

Employer

53 095

119 879

accident

121

unemployment

345

779

pensions

9 212

20 798

health

408

923

total

10 019

22 621

Corporate

79 387

142 500

income

15 878

28 501

total

15 878

28 501

Dividends

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

47 631

85 499

national

835

7 126

municipal

8 574

15 390

total

9 409

22 516

Income

142 500

Total tax

49 656

51 017

65 503

45 965

After tax

92 844

91 483

76 997

96 535

Living cost

38 745

Free-cash

54 099

52 738

38 252

57 790

Estimated living cost is ₽38745 per week

₽25308

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

₽3727

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

₽617

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.

₽9095

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.