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
₽ 239500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽107497

₽110612

₽106758

₽79329

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

239 500

municipal

42 523

health

3 267

national

48 207

total

93 997

Employee

53 094

201 480

health

396

2 681

municipal

8 696

32 792

pensions

3 583

13 599

unemployment

797

3 022

national

877

31 314

total

14 349

83 408

Employer

53 094

201 480

accident

201

unemployment

345

1 310

pensions

9 212

34 956

health

408

1 551

total

10 019

38 018

Corporate

176 388

239 500

income

35 278

47 900

total

35 278

47 900

Dividends

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

105 832

143 700

national

11 448

19 493

municipal

19 049

25 865

total

30 497

45 358

Income

239 500

Total tax

90 143

93 258

121 426

93 997

After tax

149 357

146 242

118 074

145 503

Living cost

38 745

Free-cash

110 612

107 497

79 329

106 758

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.