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
₽ 232500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽103354

₽106493

₽103175

₽76542

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

232 500

municipal

41 281

health

3 156

national

45 880

total

90 317

Employee

53 456

195 594

health

399

2 588

municipal

8 756

31 837

pensions

3 608

13 202

unemployment

802

2 935

national

883

29 481

total

14 448

80 043

Employer

53 456

195 594

accident

195

unemployment

347

1 271

pensions

9 274

33 935

health

411

1 506

total

10 086

36 907

Corporate

168 958

232 500

income

33 792

46 501

total

33 792

46 501

Dividends

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

101 374

139 500

national

10 425

18 527

municipal

18 248

25 110

total

28 673

43 637

Income

232 500

Total tax

86 999

90 138

116 950

90 317

After tax

145 501

142 362

115 550

142 183

Living cost

39 008

Free-cash

106 493

103 354

76 542

103 175

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.