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
₽ 75500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽17655

₽6617

₽8975

₽13146

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

75 500

municipal

13 455

health

746

national

5 256

total

19 457

Employee

52 606

63 514

pensions

3 550

4 286

national

869

2 317

municipal

8 616

10 389

unemployment

789

953

health

393

562

total

14 217

18 507

Employer

52 606

63 514

pensions

9 127

11 021

accident

health

404

490

unemployment

342

414

total

9 926

11 988

Corporate

12 968

75 500

income

2 594

15 100

total

2 594

15 100

Dividends

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

7 781

45 300

municipal

1 400

8 153

national

713

total

1 400

8 866

Income

75 500

Total tax

28 137

23 966

30 495

19 457

After tax

47 363

51 534

45 005

56 043

Living cost

38 388

Free-cash

8 975

13 146

6 617

17 655

Estimated living cost is ₽38388 per week

₽25075

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

₽3692

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽611

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.

₽9011

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.