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
₽ 236000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽105520

₽108637

₽105012

₽77978

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

236 000

municipal

41 902

health

3 213

national

47 130

total

92 245

Employee

53 092

198 535

health

396

2 637

municipal

8 696

32 313

pensions

3 583

13 401

unemployment

797

2 978

national

877

30 485

total

14 349

81 814

Employer

53 092

198 535

accident

199

unemployment

345

1 291

pensions

9 211

34 447

health

408

1 528

total

10 018

37 465

Corporate

172 891

236 000

income

34 579

47 201

total

34 579

47 201

Dividends

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

103 734

141 600

national

11 001

19 048

municipal

18 673

25 488

total

29 674

44 536

Income

236 000

Total tax

88 620

91 737

119 279

92 245

After tax

147 380

144 263

116 721

143 755

Living cost

38 743

Free-cash

108 637

105 520

77 978

105 012

Estimated living cost is ₽38743 per week

₽25307

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.

₽9094

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.