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
₽ 226500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽99970

₽103108

₽100176

₽74232

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

226 500

municipal

40 219

health

3 064

national

44 033

total

87 316

Employee

53 456

190 544

health

399

2 510

municipal

8 756

31 016

pensions

3 608

12 862

unemployment

802

2 857

national

883

28 059

total

14 448

77 304

Employer

53 456

190 544

accident

191

unemployment

347

1 238

pensions

9 274

33 060

health

411

1 467

total

10 086

35 956

Corporate

162 958

226 500

income

32 591

45 299

total

32 591

45 299

Dividends

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

97 775

135 901

national

9 659

17 761

municipal

17 600

24 462

total

27 259

42 223

Income

226 500

Total tax

84 384

87 522

113 260

87 316

After tax

142 116

138 978

113 240

139 184

Living cost

39 008

Free-cash

103 108

99 970

74 232

100 176

Estimated living cost is ₽39008 per week

₽25480

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

₽3752

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

₽621

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.

₽9157

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.