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

₽101522

₽74834

₽100664

₽104421

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

3 081

municipal

40 035

national

45 674

total

88 790

Employee

49 396

189 704

municipal

8 091

30 875

unemployment

741

2 845

pensions

3 334

12 805

national

816

29 769

health

369

2 530

total

13 351

78 824

Employer

49 396

189 704

health

380

1 461

pensions

8 570

32 913

accident

189

unemployment

321

1 233

total

9 321

35 796

Corporate

166 784

225 500

income

33 357

45 100

total

33 357

45 100

Dividends

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

100 070

135 300

municipal

18 013

24 354

national

10 991

18 478

total

29 004

42 832

Income

225 500

Total tax

85 033

87 932

114 620

88 790

After tax

140 467

137 568

110 880

136 710

Living cost

36 046

Free-cash

104 421

101 522

74 834

100 664

Estimated living cost is ₽36046 per week

₽23545

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

₽3467

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

₽574

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.

₽8461

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.