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
₽ 225500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽105021

₽75150

₽101872

₽100978

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

225 500

health

3 092

municipal

40 033

national

46 294

total

89 419

Employee

48 104

189 702

unemployment

722

2 846

pensions

3 246

12 805

municipal

7 879

30 872

national

795

30 388

health

359

2 540

total

13 001

79 451

Employer

48 104

189 702

pensions

8 346

32 912

health

370

1 461

unemployment

312

1 234

accident

189

total

9 077

35 796

Corporate

168 320

225 500

income

33 664

45 100

total

33 664

45 100

Dividends

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

100 992

135 300

national

11 456

19 072

municipal

18 178

24 353

total

29 634

43 425

Income

225 500

Total tax

85 376

88 525

115 247

89 419

After tax

140 124

136 975

110 253

136 081

Living cost

35 103

Free-cash

105 021

101 872

75 150

100 978

Estimated living cost is ₽35103 per week

₽22929

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

₽3376

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

₽559

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.

₽8240

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.