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

₽101155

₽98341

₽72498

₽97525

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

38 792

national

44 230

health

2 985

total

86 007

Employee

47 919

183 815

national

792

28 818

unemployment

719

2 757

health

358

2 451

municipal

7 849

29 915

pensions

3 234

12 408

total

12 952

76 349

Employer

47 919

183 815

accident

183

pensions

8 314

31 892

unemployment

311

1 194

health

368

1 416

total

9 041

34 685

Corporate

161 540

218 500

income

32 307

43 701

total

32 307

43 701

Dividends

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

96 925

131 099

municipal

17 446

23 598

national

10 631

17 892

total

28 077

41 490

Income

218 500

Total tax

82 377

85 191

111 034

86 007

After tax

136 123

133 309

107 466

132 493

Living cost

34 968

Free-cash

101 155

98 341

72 498

97 525

Estimated living cost is ₽34968 per week

₽22841

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

₽3363

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.

₽8208

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.