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
₽ 229500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽101657

₽104797

₽101671

₽75384

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

229 500

municipal

40 750

health

3 111

national

44 951

total

88 812

Employee

53 468

193 068

health

399

2 550

municipal

8 758

31 426

pensions

3 608

13 031

unemployment

802

2 897

national

883

28 763

total

14 450

78 667

Employer

53 468

193 068

accident

193

unemployment

347

1 255

pensions

9 276

33 497

health

411

1 487

total

10 088

36 432

Corporate

165 944

229 500

income

33 188

45 899

total

33 188

45 899

Dividends

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

99 567

137 701

national

10 038

18 141

municipal

17 922

24 786

total

27 960

42 927

Income

229 500

Total tax

85 686

88 826

115 099

88 812

After tax

143 814

140 674

114 401

140 688

Living cost

39 017

Free-cash

104 797

101 657

75 384

101 671

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.