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
₽ 230000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽101946

₽105082

₽101923

₽75581

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

230 000

municipal

40 840

health

3 118

national

45 111

total

89 069

Employee

53 456

193 489

health

399

2 555

municipal

8 756

31 494

pensions

3 608

13 061

unemployment

802

2 902

national

883

28 888

total

14 448

78 900

Employer

53 456

193 489

accident

193

unemployment

347

1 257

pensions

9 274

33 571

health

411

1 490

total

10 086

36 511

Corporate

166 458

230 000

income

33 291

45 999

total

33 291

45 999

Dividends

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

99 875

138 001

national

10 107

18 207

municipal

17 978

24 840

total

28 085

43 047

Income

230 000

Total tax

85 910

89 046

115 411

89 069

After tax

144 090

140 954

114 589

140 931

Living cost

39 008

Free-cash

105 082

101 946

75 581

101 923

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.