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
₽ 222500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽97713

₽100849

₽98178

₽72693

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

222 500

municipal

39 509

health

3 002

national

42 803

total

85 314

Employee

53 456

187 179

health

399

2 458

municipal

8 756

30 470

pensions

3 608

12 635

unemployment

802

2 807

national

883

27 108

total

14 448

75 478

Employer

53 456

187 179

accident

187

unemployment

347

1 217

pensions

9 274

32 475

health

411

1 442

total

10 086

35 321

Corporate

158 958

222 500

income

31 791

44 499

total

31 791

44 499

Dividends

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

95 375

133 501

national

9 150

17 250

municipal

17 168

24 030

total

26 318

41 280

Income

222 500

Total tax

82 643

85 779

110 799

85 314

After tax

139 857

136 721

111 701

137 186

Living cost

39 008

Free-cash

100 849

97 713

72 693

98 178

Estimated living cost is ₽39008 per week

₽25480

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

₽3752

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

₽621

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.

₽9157

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.