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
₽ 53500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽1541

-₽9316

₽3491

-₽5376

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

53 500

municipal

9 557

health

404

national

1 485

total

11 446

Employee

52 845

45 006

health

395

274

municipal

8 656

7 384

pensions

3 566

3 038

unemployment

793

675

national

873

448

total

14 283

11 819

Employer

52 845

45 006

accident

unemployment

343

292

pensions

9 168

7 809

health

406

347

total

9 970

8 494

Corporate

53 500

income

10 701

total

10 701

Dividends

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

32 099

national

municipal

5 777

total

5 777

Income

53 500

Total tax

24 253

16 478

20 313

11 446

After tax

29 247

37 022

33 187

42 054

Living cost

38 563

Free-cash

-9 316

-1 541

-5 376

3 491

Estimated living cost is ₽38563 per week

₽25189

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

₽3709

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.

₽9052

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.