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
₽ 159500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽62141

₽64228

₽66693

₽45896

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

159 500

municipal

28 344

health

2 033

national

23 413

total

53 790

Employee

53 468

134 180

health

399

1 643

municipal

8 758

21 864

pensions

3 608

9 056

unemployment

802

2 013

national

883

14 691

total

14 450

49 267

Employer

53 468

134 180

accident

135

unemployment

347

872

pensions

9 276

23 279

health

411

1 034

total

10 088

25 320

Corporate

95 944

159 500

income

19 189

31 900

total

19 189

31 900

Dividends

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

57 566

95 700

national

2 166

9 216

municipal

10 362

17 226

total

12 528

26 442

Income

159 500

Total tax

56 255

58 342

74 587

53 790

After tax

103 245

101 158

84 913

105 710

Living cost

39 017

Free-cash

64 228

62 141

45 896

66 693

Estimated living cost is ₽39017 per week

₽25486

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

₽3753

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.

₽9159

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.