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
₽ 215500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽99210

₽71208

₽95893

₽96363

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

215 500

municipal

38 262

health

2 935

national

43 045

total

84 242

Employee

48 462

181 290

health

362

2 407

unemployment

727

2 720

pensions

3 271

12 238

national

801

27 845

municipal

7 938

29 506

total

13 099

74 716

Employer

48 462

181 290

health

372

1 397

pensions

8 408

31 454

accident

182

unemployment

315

1 178

total

9 144

34 211

Corporate

157 894

215 500

income

31 578

43 101

total

31 578

43 101

Dividends

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

94 737

129 299

municipal

17 052

23 273

national

10 052

17 398

total

27 104

40 671

Income

215 500

Total tax

80 925

83 772

108 927

84 242

After tax

134 575

131 728

106 573

131 258

Living cost

35 365

Free-cash

99 210

96 363

71 208

95 893

Estimated living cost is ₽35365 per week

₽23100

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

₽3402

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.

₽8301

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.