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
₽ 94500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽24629

₽29122

₽15723

₽21790

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

94 500

health

1 034

municipal

16 824

national

8 837

total

26 695

Employee

53 009

79 498

municipal

8 682

12 984

pensions

3 577

5 367

unemployment

795

1 193

national

876

4 746

health

396

803

total

14 326

25 093

Employer

53 009

79 498

accident

unemployment

344

516

health

407

612

pensions

9 197

13 793

total

10 002

15 001

Corporate

31 489

94 500

income

6 298

18 900

total

6 298

18 900

Dividends

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

18 893

56 700

municipal

3 401

10 206

national

2 082

total

3 401

12 288

Income

94 500

Total tax

34 027

31 188

40 094

26 695

After tax

60 473

63 312

54 406

67 805

Living cost

38 683

Free-cash

21 790

24 629

15 723

29 122

Estimated living cost is ₽38683 per week

₽25267

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

₽3721

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

₽616

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.

₽9080

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.