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
₽ 216500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽94513

₽97630

₽95268

₽70470

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

216 500

municipal

38 445

health

2 913

national

41 131

total

82 489

Employee

53 092

182 132

health

396

2 384

municipal

8 696

29 650

pensions

3 583

12 294

unemployment

797

2 733

national

877

25 860

total

14 349

72 921

Employer

53 092

182 132

accident

182

unemployment

345

1 183

pensions

9 211

31 599

health

408

1 402

total

10 018

34 366

Corporate

153 391

216 500

income

30 678

43 300

total

30 678

43 300

Dividends

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

92 035

129 900

national

8 515

16 562

municipal

16 567

23 382

total

25 082

39 944

Income

216 500

Total tax

80 127

83 244

107 287

82 489

After tax

136 373

133 256

109 213

134 011

Living cost

38 743

Free-cash

97 630

94 513

70 470

95 268

Estimated living cost is ₽38743 per week

₽25307

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

₽3727

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

₽617

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.

₽9094

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.