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

₽100249

₽72018

₽97317

₽97048

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

2 969

municipal

38 795

national

43 287

total

85 051

Employee

49 883

183 814

unemployment

748

2 756

pensions

3 366

12 408

municipal

8 170

29 920

national

824

27 876

health

372

2 434

total

13 480

75 394

Employer

49 883

183 814

pensions

8 654

31 892

health

383

1 416

unemployment

324

1 195

accident

184

total

9 411

34 687

Corporate

159 205

218 500

income

31 841

43 700

total

31 841

43 700

Dividends

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

95 523

131 100

national

9 924

17 485

municipal

17 194

23 597

total

27 118

41 082

Income

218 500

Total tax

81 850

84 782

110 081

85 051

After tax

136 650

133 718

108 419

133 449

Living cost

36 401

Free-cash

100 249

97 317

72 018

97 048

Estimated living cost is ₽36401 per week

₽23777

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

₽3501

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

₽579

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.

₽8545

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.