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
₽ 204500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽89391

₽65964

₽91082

₽87991

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

204 500

municipal

36 318

health

2 732

national

37 671

total

76 721

Employee

52 606

172 036

pensions

3 550

11 613

national

869

23 248

municipal

8 616

28 011

unemployment

789

2 581

health

393

2 231

total

14 217

67 684

Employer

52 606

172 036

pensions

9 127

29 849

accident

173

health

404

1 324

unemployment

342

1 118

total

9 926

32 464

Corporate

141 968

204 500

income

28 394

40 900

total

28 394

40 900

Dividends

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

85 181

122 700

municipal

15 332

22 087

national

7 161

15 134

total

22 493

37 221

Income

204 500

Total tax

75 030

78 121

100 148

76 721

After tax

129 470

126 379

104 352

127 779

Living cost

38 388

Free-cash

91 082

87 991

65 964

89 391

Estimated living cost is ₽38388 per week

₽25075

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

₽3692

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

₽611

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.

₽9011

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.