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

₽95771

₽98875

₽96326

₽71301

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

38 800

health

2 945

national

41 866

total

83 611

Employee

52 845

183 813

health

395

2 411

municipal

8 656

29 922

pensions

3 566

12 407

unemployment

793

2 758

national

873

26 453

total

14 283

73 951

Employer

52 845

183 813

accident

183

unemployment

343

1 195

pensions

9 168

31 891

health

406

1 416

total

9 970

34 685

Corporate

155 684

218 500

income

31 136

43 701

total

31 136

43 701

Dividends

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

93 411

131 099

national

8 859

16 868

municipal

16 814

23 597

total

25 673

40 465

Income

218 500

Total tax

81 062

84 166

108 636

83 611

After tax

137 438

134 334

109 864

134 889

Living cost

38 563

Free-cash

98 875

95 771

71 301

96 326

Estimated living cost is ₽38563 per week

₽25189

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

₽3709

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

₽614

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.

₽9052

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.