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
₽ 17500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽26856

-₽45974

-₽24616

-₽27892

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

17 500

municipal

3 149

health

national

total

3 149

Employee

53 399

14 721

health

399

municipal

8 746

2 431

pensions

3 604

994

unemployment

801

221

national

882

total

14 432

3 646

Employer

53 399

14 721

accident

unemployment

347

pensions

9 264

2 554

health

410

114

total

10 075

2 779

Corporate

17 500

income

3 500

total

3 500

Dividends

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

10 500

national

municipal

1 889

total

1 889

Income

17 500

Total tax

24 507

5 389

6 425

3 149

After tax

-7 007

12 111

11 075

14 351

Living cost

38 967

Free-cash

-45 974

-26 856

-27 892

-24 616

Estimated living cost is ₽38967 per week

₽25453

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

₽3748

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

₽620

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.

₽9147

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.