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
₽ 167500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽66981

₽69282

₽70842

₽49904

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

167 500

municipal

29 762

health

2 160

national

26 173

total

58 095

Employee

52 845

140 910

health

395

1 752

municipal

8 656

22 955

pensions

3 566

9 511

unemployment

793

2 114

national

873

16 110

total

14 283

52 442

Employer

52 845

140 910

accident

141

unemployment

343

917

pensions

9 168

24 448

health

406

1 085

total

9 970

26 591

Corporate

104 684

167 500

income

20 937

33 500

total

20 937

33 500

Dividends

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

62 810

100 500

national

3 160

10 365

municipal

11 305

18 091

total

14 465

28 456

Income

167 500

Total tax

59 655

61 956

79 033

58 095

After tax

107 845

105 544

88 467

109 405

Living cost

38 563

Free-cash

69 282

66 981

49 904

70 842

Estimated living cost is ₽38563 per week

₽25189

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

₽3709

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

₽614

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.

₽9052

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.