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
₽ 244000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽109840

₽112981

₽108917

₽80970

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

244 000

municipal

43 321

health

3 333

national

49 412

total

96 066

Employee

53 468

205 265

health

399

2 737

municipal

8 758

33 406

pensions

3 608

13 855

unemployment

802

3 080

national

883

32 201

total

14 450

85 279

Employer

53 468

205 265

accident

204

unemployment

347

1 335

pensions

9 276

35 614

health

411

1 581

total

10 088

38 734

Corporate

180 444

244 000

income

36 089

48 800

total

36 089

48 800

Dividends

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

108 267

146 400

national

11 887

19 991

municipal

19 488

26 352

total

31 375

46 343

Income

244 000

Total tax

92 002

95 143

124 013

96 066

After tax

151 998

148 857

119 987

147 934

Living cost

39 017

Free-cash

112 981

109 840

80 970

108 917

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.

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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.