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
₽ 227500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽100526

₽103667

₽100672

₽74613

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

227 500

municipal

40 395

health

3 080

national

44 336

total

87 811

Employee

53 468

191 386

health

399

2 523

municipal

8 758

31 154

pensions

3 608

12 919

unemployment

802

2 872

national

883

28 288

total

14 450

77 756

Employer

53 468

191 386

accident

191

unemployment

347

1 244

pensions

9 276

33 206

health

411

1 473

total

10 088

36 114

Corporate

163 944

227 500

income

32 789

45 500

total

32 789

45 500

Dividends

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

98 366

136 500

national

9 783

17 887

municipal

17 706

24 570

total

27 489

42 457

Income

227 500

Total tax

84 816

87 957

113 870

87 811

After tax

142 684

139 543

113 630

139 689

Living cost

39 017

Free-cash

103 667

100 526

74 613

100 672

Estimated living cost is ₽39017 per week

₽25486

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

₽3753

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.

₽9159

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.