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
₽ 184500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽76288

₽78978

₽79203

₽57456

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

184 500

municipal

32 776

health

2 417

national

31 137

total

66 330

Employee

53 399

155 208

health

399

1 967

municipal

8 746

25 280

pensions

3 604

10 476

unemployment

801

2 329

national

882

18 738

total

14 432

58 790

Employer

53 399

155 208

accident

156

unemployment

347

1 009

pensions

9 264

26 928

health

410

1 194

total

10 075

29 287

Corporate

121 026

184 500

income

24 205

36 899

total

24 205

36 899

Dividends

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

72 616

110 700

national

4 773

12 419

municipal

13 070

19 927

total

17 843

32 346

Income

184 500

Total tax

66 555

69 245

88 077

66 330

After tax

117 945

115 255

96 423

118 170

Living cost

38 967

Free-cash

78 978

76 288

57 456

79 203

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.