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

₽100799

₽97939

₽72313

₽97339

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

43 861

health

2 978

total

85 633

Employee

48 687

183 813

national

804

28 449

unemployment

731

2 757

health

364

2 445

municipal

7 974

29 917

pensions

3 286

12 407

total

13 159

75 975

Employer

48 687

183 813

accident

184

pensions

8 447

31 891

unemployment

316

1 194

health

374

1 415

total

9 186

34 684

Corporate

160 627

218 500

income

32 125

43 701

total

32 125

43 701

Dividends

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

96 377

131 099

municipal

17 349

23 599

national

10 354

17 733

total

27 703

41 332

Income

218 500

Total tax

82 173

85 033

110 659

85 633

After tax

136 327

133 467

107 841

132 867

Living cost

35 528

Free-cash

100 799

97 939

72 313

97 339

Estimated living cost is ₽35528 per week

₽23207

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

₽3417

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

₽565

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.

₽8340

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.