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
₽ 90500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽26941

₽13996

₽19359

₽22513

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

90 500

municipal

16 114

health

977

national

8 084

total

25 175

Employee

52 601

76 134

pensions

3 550

5 140

national

869

4 280

municipal

8 616

12 437

unemployment

789

1 142

health

393

755

total

14 217

23 754

Employer

52 601

76 134

pensions

9 126

13 209

accident

health

404

586

unemployment

342

495

total

9 925

14 366

Corporate

27 975

90 500

income

5 595

18 100

total

5 595

18 100

Dividends

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

16 785

54 300

municipal

3 020

9 775

national

1 728

total

3 020

11 503

Income

90 500

Total tax

32 757

29 603

38 120

25 175

After tax

57 743

60 897

52 380

65 325

Living cost

38 384

Free-cash

19 359

22 513

13 996

26 941

Estimated living cost is ₽38384 per week

₽25073

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.

₽9010

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.