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
₽ 81500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽16912

₽12929

₽21341

₽9429

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

81 500

municipal

14 519

health

835

national

6 241

total

21 595

Employee

52 847

68 561

health

395

637

municipal

8 656

11 208

pensions

3 566

4 628

unemployment

793

1 029

national

873

3 067

total

14 283

20 569

Employer

52 847

68 561

accident

unemployment

343

446

pensions

9 169

11 895

health

406

528

total

9 971

12 938

Corporate

18 682

81 500

income

3 736

16 300

total

3 736

16 300

Dividends

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

11 209

48 900

national

921

municipal

2 017

8 803

total

2 017

9 724

Income

81 500

Total tax

30 007

26 024

33 507

21 595

After tax

51 493

55 476

47 993

59 905

Living cost

38 564

Free-cash

12 929

16 912

9 429

21 341

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.