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
₽ 189500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽79083

₽81891

₽81687

₽59733

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

189 500

municipal

33 661

health

2 495

national

32 649

total

68 805

Employee

53 456

159 417

health

399

2 030

municipal

8 756

25 962

pensions

3 608

10 761

unemployment

802

2 391

national

883

19 533

total

14 448

60 677

Employer

53 456

159 417

accident

160

unemployment

347

1 035

pensions

9 274

27 659

health

411

1 228

total

10 086

30 082

Corporate

125 958

189 500

income

25 191

37 899

total

25 191

37 899

Dividends

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

75 575

113 701

national

5 273

13 043

municipal

13 603

20 467

total

18 876

33 510

Income

189 500

Total tax

68 601

71 409

90 759

68 805

After tax

120 899

118 091

98 741

120 695

Living cost

39 008

Free-cash

81 891

79 083

59 733

81 687

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.