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
₽ 56000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

-₽264

-₽7555

₽4723

-₽4357

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

56 000

municipal

10 001

health

438

national

1 821

total

12 260

Employee

53 468

47 111

health

399

301

municipal

8 758

7 726

pensions

3 608

3 180

unemployment

802

706

national

883

538

total

14 450

12 451

Employer

53 468

47 111

accident

unemployment

347

307

pensions

9 276

8 173

health

411

363

total

10 088

8 889

Corporate

56 000

income

11 199

total

11 199

Dividends

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

33 601

national

municipal

6 048

total

6 048

Income

56 000

Total tax

24 538

17 247

21 340

12 260

After tax

31 462

38 753

34 660

43 740

Living cost

39 017

Free-cash

-7 555

-264

-4 357

4 723

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.