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
₽ 186500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽77390

₽80125

₽80188

₽58351

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

186 500

municipal

33 129

health

2 449

national

31 726

total

67 304

Employee

53 456

156 894

health

399

1 992

municipal

8 756

25 551

pensions

3 608

10 591

unemployment

802

2 354

national

883

19 047

total

14 448

59 535

Employer

53 456

156 894

accident

156

unemployment

347

1 020

pensions

9 274

27 221

health

411

1 209

total

10 086

29 606

Corporate

122 958

186 500

income

24 591

37 300

total

24 591

37 300

Dividends

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

73 775

111 900

national

4 963

12 661

municipal

13 279

20 141

total

18 242

32 802

Income

186 500

Total tax

67 367

70 102

89 141

67 304

After tax

119 133

116 398

97 359

119 196

Living cost

39 008

Free-cash

80 125

77 390

58 351

80 188

Estimated living cost is ₽39008 per week

₽25480

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

₽3752

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.

₽9157

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.