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
₽ 78500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽14919

₽19407

₽7936

₽10822

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

78 500

health

790

municipal

13 987

national

5 726

total

20 503

Employee

52 882

66 037

municipal

8 662

10 798

pensions

3 569

4 458

unemployment

793

990

national

874

2 668

health

395

597

total

14 293

19 511

Employer

52 882

66 037

accident

unemployment

343

429

health

406

509

pensions

9 175

11 458

total

9 977

12 463

Corporate

15 640

78 500

income

3 128

15 700

total

3 128

15 700

Dividends

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

9 384

47 100

municipal

1 690

8 478

national

813

total

1 690

9 291

Income

78 500

Total tax

29 088

24 991

31 974

20 503

After tax

49 412

53 509

46 526

57 997

Living cost

38 590

Free-cash

10 822

14 919

7 936

19 407

Estimated living cost is ₽38590 per week

₽25207

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

₽3712

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.

₽9058

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.