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

₽100631

₽97750

₽72222

₽97250

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

43 686

health

2 976

total

85 456

Employee

49 050

183 815

national

810

28 276

unemployment

736

2 756

health

366

2 442

municipal

8 034

29 917

pensions

3 310

12 408

total

13 256

75 799

Employer

49 050

183 815

accident

184

pensions

8 510

31 892

unemployment

318

1 194

health

377

1 415

total

9 255

34 685

Corporate

160 195

218 500

income

32 039

43 700

total

32 039

43 700

Dividends

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

96 117

131 100

municipal

17 301

23 598

national

10 224

17 658

total

27 525

41 256

Income

218 500

Total tax

82 075

84 956

110 484

85 456

After tax

136 425

133 544

108 016

133 044

Living cost

35 794

Free-cash

100 631

97 750

72 222

97 250

Estimated living cost is ₽35794 per week

₽23380

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

₽3443

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

₽570

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.

₽8402

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.