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
₽ 218500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽101127

₽98311

₽72483

₽97512

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

218 500

municipal

38 794

national

44 200

health

2 983

total

85 977

Employee

47 978

183 815

national

793

28 790

unemployment

720

2 757

health

358

2 450

municipal

7 858

29 916

pensions

3 238

12 408

total

12 967

76 321

Employer

47 978

183 815

accident

183

pensions

8 324

31 892

unemployment

311

1 194

health

369

1 416

total

9 052

34 685

Corporate

161 469

218 500

income

32 294

43 700

total

32 294

43 700

Dividends

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

96 881

131 100

municipal

17 439

23 598

national

10 610

17 880

total

28 049

41 478

Income

218 500

Total tax

82 362

85 178

111 006

85 977

After tax

136 138

133 322

107 494

132 523

Living cost

35 011

Free-cash

101 127

98 311

72 483

97 512

Estimated living cost is ₽35011 per week

₽22869

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

₽3368

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

₽557

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.

₽8218

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.

Adjust living cost Show details Source

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.