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
₽ 69500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽9039

₽4624

₽13691

₽3535

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

69 500

municipal

12 392

health

652

national

4 201

total

17 245

Employee

52 847

58 467

health

395

480

municipal

8 656

9 569

pensions

3 566

3 946

unemployment

793

877

national

873

1 496

total

14 283

16 368

Employer

52 847

58 467

accident

unemployment

343

379

pensions

9 169

10 145

health

406

450

total

9 971

11 033

Corporate

6 682

69 500

income

1 336

13 900

total

1 336

13 900

Dividends

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

4 009

41 700

national

490

municipal

722

7 507

total

722

7 997

Income

69 500

Total tax

26 312

21 897

27 401

17 245

After tax

43 188

47 603

42 099

52 255

Living cost

38 564

Free-cash

4 624

9 039

3 535

13 691

Estimated living cost is ₽38564 per week

₽25190

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.