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

₽104170

₽74701

₽101235

₽100531

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

3 077

municipal

40 035

national

45 410

total

88 522

Employee

49 946

189 704

unemployment

749

2 846

pensions

3 371

12 805

municipal

8 181

30 875

national

825

29 504

health

373

2 526

total

13 499

78 556

Employer

49 946

189 704

pensions

8 665

32 914

health

384

1 461

unemployment

324

1 232

accident

189

total

9 423

35 796

Corporate

166 130

225 500

income

33 226

45 099

total

33 226

45 099

Dividends

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

99 678

135 300

national

10 794

18 364

municipal

17 941

24 355

total

28 735

42 719

Income

225 500

Total tax

84 883

87 818

114 352

88 522

After tax

140 617

137 682

111 148

136 978

Living cost

36 447

Free-cash

104 170

101 235

74 701

100 531

Estimated living cost is ₽36447 per week

₽23807

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

₽3506

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

₽580

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.

₽8555

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.