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
₽ 231500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽102978

₽106096

₽102761

₽76246

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

231 500

municipal

41 104

health

3 145

national

45 745

total

89 994

Employee

53 095

194 751

health

396

2 578

municipal

8 697

31 699

pensions

3 583

13 145

unemployment

797

2 921

national

877

29 417

total

14 350

79 760

Employer

53 095

194 751

accident

195

unemployment

345

1 266

pensions

9 212

33 788

health

408

1 500

total

10 019

36 749

Corporate

168 387

231 500

income

33 677

46 300

total

33 677

46 300

Dividends

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

101 032

138 900

national

10 427

18 475

municipal

18 186

25 002

total

28 613

43 477

Income

231 500

Total tax

86 659

89 777

116 509

89 994

After tax

144 841

141 723

114 991

141 506

Living cost

38 745

Free-cash

106 096

102 978

76 246

102 761

Estimated living cost is ₽38745 per week

₽25308

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

₽3727

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

₽617

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.

₽9095

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.