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

₽107442

₽76419

₽102248

₽103163

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

municipal

40 027

health

3 132

national

48 804

total

91 963

Employee

42 877

189 703

health

320

2 581

unemployment

643

2 846

pensions

2 894

12 806

national

708

32 897

municipal

7 023

30 865

total

11 588

81 995

Employer

42 877

189 703

health

329

1 460

pensions

7 439

32 914

accident

190

unemployment

278

1 233

total

8 089

35 797

Corporate

174 533

225 500

income

34 906

45 099

total

34 906

45 099

Dividends

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

104 720

135 301

municipal

18 850

24 354

national

13 336

21 595

total

32 186

45 949

Income

225 500

Total tax

86 769

91 048

117 792

91 963

After tax

138 731

134 452

107 708

133 537

Living cost

31 289

Free-cash

107 442

103 163

76 419

102 248

Estimated living cost is ₽31289 per week

₽20438

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

₽3010

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

₽498

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.

₽7345

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.