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
₽ 67500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽7356

₽2795

₽12102

₽2239

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

67 500

municipal

12 039

health

616

national

3 786

total

16 441

Employee

53 385

56 784

health

399

451

municipal

8 744

9 297

pensions

3 603

3 834

unemployment

801

851

national

882

1 157

total

14 429

15 590

Employer

53 385

56 784

accident

unemployment

347

370

pensions

9 262

9 851

health

410

437

total

10 073

10 714

Corporate

4 043

67 500

income

809

13 500

total

809

13 500

Dividends

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

2 425

40 500

national

397

municipal

437

7 290

total

437

7 687

Income

67 500

Total tax

25 748

21 187

26 304

16 441

After tax

41 752

46 313

41 196

51 059

Living cost

38 957

Free-cash

2 795

7 356

2 239

12 102

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.

Adjust living cost Show details Source

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.