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
₽ 73500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽11245

₽6890

₽15887

₽5147

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

73 500

municipal

13 104

health

708

national

4 793

total

18 605

Employee

53 456

61 833

health

399

528

municipal

8 756

10 117

pensions

3 608

4 174

unemployment

802

927

national

883

1 932

total

14 448

17 678

Employer

53 456

61 833

accident

unemployment

347

401

pensions

9 274

10 728

health

411

476

total

10 086

11 667

Corporate

9 958

73 500

income

1 992

14 700

total

1 992

14 700

Dividends

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

5 975

44 100

national

609

municipal

1 076

7 938

total

1 076

8 547

Income

73 500

Total tax

27 602

23 247

29 345

18 605

After tax

45 898

50 253

44 155

54 895

Living cost

39 008

Free-cash

6 890

11 245

5 147

15 887

Estimated living cost is ₽39008 per week

₽25480

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

₽3752

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.

₽9157

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.