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
₽ 55500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽339

-₽7614

₽4620

-₽4394

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

55 500

municipal

9 913

health

433

national

1 789

total

12 135

Employee

53 095

46 690

health

396

299

municipal

8 697

7 657

pensions

3 583

3 152

unemployment

797

701

national

877

530

total

14 350

12 339

Employer

53 095

46 690

accident

unemployment

345

303

pensions

9 212

8 101

health

408

360

total

10 019

8 810

Corporate

55 500

income

11 100

total

11 100

Dividends

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

33 300

national

municipal

5 994

total

5 994

Income

55 500

Total tax

24 369

17 094

21 149

12 135

After tax

31 131

38 406

34 351

43 365

Living cost

38 745

Free-cash

-7 614

-339

-4 394

4 620

Estimated living cost is ₽38745 per week

₽25308

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

₽3727

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

₽617

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.

₽9095

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.