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
₽ 175500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽71368

₽73850

₽74780

₽53465

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

175 500

municipal

31 180

health

2 281

national

28 514

total

61 975

Employee

53 094

147 639

health

396

1 852

municipal

8 696

24 050

pensions

3 583

9 966

unemployment

797

2 214

national

877

17 348

total

14 349

55 430

Employer

53 094

147 639

accident

147

unemployment

345

959

pensions

9 212

25 616

health

408

1 138

total

10 019

27 860

Corporate

112 388

175 500

income

22 477

35 100

total

22 477

35 100

Dividends

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

67 433

105 300

national

3 922

11 333

municipal

12 138

18 954

total

16 060

30 287

Income

175 500

Total tax

62 905

65 387

83 290

61 975

After tax

112 595

110 113

92 210

113 525

Living cost

38 745

Free-cash

73 850

71 368

53 465

74 780

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.