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
₽ 242000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽108712

₽111851

₽107917

₽80198

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

242 000

municipal

42 966

health

3 304

national

48 796

total

95 066

Employee

53 468

203 583

health

399

2 712

municipal

8 758

33 134

pensions

3 608

13 743

unemployment

802

3 053

national

883

31 727

total

14 450

84 369

Employer

53 468

203 583

accident

204

unemployment

347

1 323

pensions

9 276

35 321

health

411

1 568

total

10 088

38 416

Corporate

178 444

242 000

income

35 690

48 401

total

35 690

48 401

Dividends

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

107 066

145 200

national

11 632

19 734

municipal

19 272

26 136

total

30 904

45 870

Income

242 000

Total tax

91 132

94 271

122 785

95 066

After tax

150 868

147 729

119 215

146 934

Living cost

39 017

Free-cash

111 851

108 712

80 198

107 917

Estimated living cost is ₽39017 per week

₽25486

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

₽3753

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.

₽9159

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.

Adjust living cost Show details Source

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.