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

₽100135

₽71958

₽97187

₽96988

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

health

2 967

municipal

38 795

national

43 168

total

84 930

Employee

50 131

183 813

unemployment

752

2 758

pensions

3 383

12 408

municipal

8 211

29 919

national

828

27 755

health

374

2 434

total

13 548

75 274

Employer

50 131

183 813

pensions

8 697

31 891

health

385

1 416

unemployment

325

1 195

accident

184

total

9 458

34 686

Corporate

158 910

218 500

income

31 781

43 701

total

31 781

43 701

Dividends

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

95 347

131 099

national

9 834

17 433

municipal

17 162

23 597

total

26 996

41 030

Income

218 500

Total tax

81 783

84 731

109 960

84 930

After tax

136 717

133 769

108 540

133 570

Living cost

36 582

Free-cash

100 135

97 187

71 958

96 988

Estimated living cost is ₽36582 per week

₽23896

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

₽3519

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

₽582

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.

₽8587

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.