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

₽105101

₽75191

₽101914

₽101020

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

3 093

municipal

40 033

national

46 376

total

89 502

Employee

47 933

189 703

unemployment

719

2 846

pensions

3 235

12 804

municipal

7 851

30 871

national

792

30 472

health

358

2 541

total

12 955

79 534

Employer

47 933

189 703

pensions

8 316

32 913

health

368

1 461

unemployment

311

1 233

accident

190

total

9 043

35 797

Corporate

168 524

225 500

income

33 705

45 100

total

33 705

45 100

Dividends

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

101 114

135 300

national

11 518

19 155

municipal

18 200

24 353

total

29 718

43 508

Income

225 500

Total tax

85 421

88 608

115 331

89 502

After tax

140 079

136 892

110 169

135 998

Living cost

34 978

Free-cash

105 101

101 914

75 191

101 020

Estimated living cost is ₽34978 per week

₽22847

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

₽3364

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

₽557

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.

₽8211

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.