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
₽ 158500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽61583

₽63645

₽66196

₽45445

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

158 500

municipal

28 168

health

2 017

national

23 111

total

53 296

Employee

53 456

133 336

health

399

1 629

municipal

8 756

21 728

pensions

3 608

9 000

unemployment

802

1 999

national

883

14 532

total

14 448

48 888

Employer

53 456

133 336

accident

133

unemployment

347

866

pensions

9 274

23 134

health

411

1 026

total

10 086

25 159

Corporate

94 958

158 500

income

18 992

31 700

total

18 992

31 700

Dividends

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

56 975

95 100

national

2 065

9 091

municipal

10 256

17 118

total

12 321

26 209

Income

158 500

Total tax

55 847

57 909

74 047

53 296

After tax

102 653

100 591

84 453

105 204

Living cost

39 008

Free-cash

63 645

61 583

45 445

66 196

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.