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
₽ 214500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽94452

₽69883

₽96853

₽93776

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

214 500

municipal

38 090

health

2 888

national

40 878

total

81 856

Employee

52 337

180 448

pensions

3 532

12 180

national

865

25 748

municipal

8 572

29 376

unemployment

785

2 707

health

391

2 363

total

14 145

72 374

Employer

52 337

180 448

pensions

9 080

31 309

accident

181

health

402

1 389

unemployment

340

1 172

total

9 875

34 051

Corporate

152 288

214 500

income

30 457

42 900

total

30 457

42 900

Dividends

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

91 373

128 700

municipal

16 446

23 167

national

8 532

16 465

total

24 978

39 632

Income

214 500

Total tax

79 455

82 532

106 425

81 856

After tax

135 045

131 968

108 075

132 644

Living cost

38 192

Free-cash

96 853

93 776

69 883

94 452

Estimated living cost is ₽38192 per week

₽24947

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

₽3674

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

₽608

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.

₽8965

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.