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
₽ 197000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽64080

₽85909

₽86644

₽88757

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

197 000

health

2 650

national

37 341

municipal

34 983

total

74 974

Employee

48 487

165 726

municipal

7 942

26 980

national

801

23 446

pensions

3 272

11 186

health

362

2 167

unemployment

728

2 485

total

13 105

66 264

Employer

48 487

165 726

unemployment

315

1 077

health

373

1 277

accident

166

pensions

8 412

28 754

total

9 149

31 274

Corporate

139 365

197 000

income

27 872

39 401

total

27 872

39 401

Dividends

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

83 619

118 199

national

7 684

15 033

municipal

15 051

21 275

total

22 735

36 308

Income

197 000

Total tax

72 861

75 709

97 538

74 974

After tax

124 139

121 291

99 462

122 026

Living cost

35 382

Free-cash

88 757

85 909

64 080

86 644

Estimated living cost is ₽35382 per week

₽23112

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

₽3403

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

₽563

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.

₽8305

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.