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
₽ 199500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽84720

₽87768

₽86681

₽63832

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

199 500

municipal

35 433

health

2 648

national

35 721

total

73 802

Employee

53 468

167 829

health

399

2 160

municipal

8 758

27 327

pensions

3 608

11 328

unemployment

802

2 517

national

883

21 648

total

14 450

64 980

Employer

53 468

167 829

accident

168

unemployment

347

1 092

pensions

9 276

29 119

health

411

1 292

total

10 088

31 671

Corporate

135 944

199 500

income

27 189

39 900

total

27 189

39 900

Dividends

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

81 567

119 700

national

6 306

14 317

municipal

14 682

21 546

total

20 988

35 863

Income

199 500

Total tax

72 715

75 763

96 651

73 802

After tax

126 785

123 737

102 849

125 698

Living cost

39 017

Free-cash

87 768

84 720

63 832

86 681

Estimated living cost is ₽39017 per week

₽25486

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

₽3753

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.

₽9159

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.