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
₽ 146500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽54995

₽56721

₽60183

₽40096

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

146 500

municipal

26 039

health

1 835

national

19 698

total

47 572

Employee

53 094

123 243

health

396

1 477

municipal

8 696

20 087

pensions

3 583

8 319

unemployment

797

1 848

national

877

12 672

total

14 349

44 403

Employer

53 094

123 243

accident

123

unemployment

345

801

pensions

9 212

21 382

health

408

950

total

10 019

23 256

Corporate

83 388

146 500

income

16 678

29 301

total

16 678

29 301

Dividends

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

50 032

87 899

national

981

7 637

municipal

9 007

15 822

total

9 988

23 459

Income

146 500

Total tax

51 034

52 760

67 659

47 572

After tax

95 466

93 740

78 841

98 928

Living cost

38 745

Free-cash

56 721

54 995

40 096

60 183

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.