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
₽ 78000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽14617

₽10509

₽19110

₽7710

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

78 000

municipal

13 899

health

782

national

5 646

total

20 327

Employee

52 845

65 618

health

395

591

municipal

8 656

10 731

pensions

3 566

4 430

unemployment

793

984

national

873

2 609

total

14 283

19 345

Employer

52 845

65 618

accident

unemployment

343

427

pensions

9 168

11 385

health

406

505

total

9 970

12 382

Corporate

15 184

78 000

income

3 036

15 600

total

3 036

15 600

Dividends

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

9 110

46 800

national

795

municipal

1 639

8 425

total

1 639

9 220

Income

78 000

Total tax

28 928

24 820

31 727

20 327

After tax

49 072

53 180

46 273

57 673

Living cost

38 563

Free-cash

10 509

14 617

7 710

19 110

Estimated living cost is ₽38563 per week

₽25189

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.