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
₽ 65500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽6395

₽11120

₽1523

₽1830

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

65 500

health

589

municipal

11 684

national

3 519

total

15 792

Employee

52 880

55 103

municipal

8 661

9 024

pensions

3 569

3 719

unemployment

793

826

national

874

994

health

395

429

total

14 292

14 992

Employer

52 880

55 103

accident

unemployment

343

359

health

406

423

pensions

9 174

9 560

total

9 976

10 397

Corporate

2 643

65 500

income

528

13 100

total

528

13 100

Dividends

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

1 586

39 300

municipal

286

7 074

national

343

total

286

7 417

Income

65 500

Total tax

25 082

20 517

25 389

15 792

After tax

40 418

44 983

40 111

49 708

Living cost

38 588

Free-cash

1 830

6 395

1 523

11 120

Estimated living cost is ₽38588 per week

₽25205

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.