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

₽100077

₽97126

₽71930

₽96959

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

38 796

national

43 110

health

2 967

total

84 873

Employee

50 249

183 815

national

830

27 700

unemployment

754

2 757

health

375

2 432

municipal

8 230

29 920

pensions

3 391

12 408

total

13 580

75 217

Employer

50 249

183 815

accident

183

pensions

8 718

31 892

unemployment

326

1 194

health

386

1 416

total

9 481

34 685

Corporate

158 770

218 500

income

31 754

43 700

total

31 754

43 700

Dividends

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

95 262

131 100

municipal

17 148

23 598

national

9 792

17 408

total

26 940

41 006

Income

218 500

Total tax

81 755

84 706

109 902

84 873

After tax

136 745

133 794

108 598

133 627

Living cost

36 668

Free-cash

100 077

97 126

71 930

96 959

Estimated living cost is ₽36668 per week

₽23952

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

₽3527

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

₽584

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.

₽8607

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.