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
₽ 205500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽89888

₽66350

₽91648

₽88557

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

205 500

municipal

36 496

health

2 748

national

37 980

total

77 224

Employee

52 606

172 877

pensions

3 550

11 669

national

869

23 486

municipal

8 616

28 147

unemployment

789

2 594

health

393

2 245

total

14 217

68 141

Employer

52 606

172 877

pensions

9 127

29 993

accident

173

health

404

1 332

unemployment

342

1 123

total

9 926

32 621

Corporate

142 968

205 500

income

28 593

41 099

total

28 593

41 099

Dividends

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

85 781

123 301

municipal

15 440

22 195

national

7 288

15 261

total

22 728

37 456

Income

205 500

Total tax

75 464

78 555

100 762

77 224

After tax

130 036

126 945

104 738

128 276

Living cost

38 388

Free-cash

91 648

88 557

66 350

89 888

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.