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
₽ 235500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽105236

₽108354

₽104760

₽77789

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

235 500

municipal

41 813

health

3 206

national

46 976

total

91 995

Employee

53 095

198 117

health

396

2 629

municipal

8 697

32 245

pensions

3 583

13 373

unemployment

797

2 972

national

877

30 365

total

14 350

81 584

Employer

53 095

198 117

accident

197

unemployment

345

1 287

pensions

9 212

34 372

health

408

1 526

total

10 019

37 382

Corporate

172 387

235 500

income

34 478

47 100

total

34 478

47 100

Dividends

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

103 432

141 300

national

10 937

18 984

municipal

18 617

25 435

total

29 554

44 419

Income

235 500

Total tax

88 401

91 519

118 966

91 995

After tax

147 099

143 981

116 534

143 505

Living cost

38 745

Free-cash

108 354

105 236

77 789

104 760

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.