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
₽ 46000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽7125

-₽17459

-₽2179

-₽10071

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

46 000

municipal

8 228

health

285

national

709

total

9 222

Employee

53 385

38 696

health

399

173

municipal

8 744

6 360

pensions

3 603

2 611

unemployment

801

580

national

882

total

14 429

9 811

Employer

53 385

38 696

accident

unemployment

347

252

pensions

9 262

6 714

health

410

298

total

10 073

7 303

Corporate

46 000

income

9 200

total

9 200

Dividends

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

27 600

national

municipal

4 968

total

4 968

Income

46 000

Total tax

24 502

14 168

17 114

9 222

After tax

21 498

31 832

28 886

36 778

Living cost

38 957

Free-cash

-17 459

-7 125

-10 071

-2 179

Estimated living cost is ₽38957 per week

₽25446

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

₽3747

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

₽620

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.

₽9144

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.