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
₽ 43000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽8836

-₽4079

-₽11484

-₽19860

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

43 000

health

242

municipal

7 696

national

551

total

8 489

Employee

52 882

36 173

municipal

8 662

5 949

pensions

3 569

2 442

unemployment

793

542

national

874

health

395

137

total

14 293

9 070

Employer

52 882

36 173

accident

unemployment

343

235

health

406

278

pensions

9 175

6 275

total

9 977

6 824

Corporate

43 000

income

8 601

total

8 601

Dividends

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

25 800

municipal

4 645

national

total

4 645

Income

43 000

Total tax

24 270

13 246

15 894

8 489

After tax

18 730

29 754

27 106

34 511

Living cost

38 590

Free-cash

-19 860

-8 836

-11 484

-4 079

Estimated living cost is ₽38590 per week

₽25207

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

₽3712

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽614

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.

₽9058

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.