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

₽100304

₽72053

₽97381

₽97080

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

2 970

municipal

38 795

national

43 346

total

85 111

Employee

49 757

183 813

unemployment

747

2 757

pensions

3 358

12 407

municipal

8 150

29 918

national

822

27 935

health

372

2 435

total

13 449

75 452

Employer

49 757

183 813

pensions

8 633

31 892

health

382

1 416

unemployment

323

1 195

accident

183

total

9 388

34 686

Corporate

159 355

218 500

income

31 871

43 700

total

31 871

43 700

Dividends

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

95 613

131 100

national

9 969

17 511

municipal

17 210

23 599

total

27 179

41 110

Income

218 500

Total tax

81 887

84 810

110 138

85 111

After tax

136 613

133 690

108 362

133 389

Living cost

36 309

Free-cash

100 304

97 381

72 053

97 080

Estimated living cost is ₽36309 per week

₽23717

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

₽3493

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

₽578

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.

₽8523

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.

Adjust living cost Show details Source

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.