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
₽ 95500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽25167

₽22411

₽29677

₽16166

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

95 500

municipal

17 000

health

1 049

national

9 029

total

27 078

Employee

53 094

80 338

health

396

816

municipal

8 696

13 120

pensions

3 583

5 424

unemployment

797

1 205

national

877

4 864

total

14 349

25 429

Employer

53 094

80 338

accident

unemployment

345

523

pensions

9 212

13 938

health

408

619

total

10 019

15 160

Corporate

32 388

95 500

income

6 477

19 099

total

6 477

19 099

Dividends

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

19 433

57 301

national

2 174

municipal

3 499

10 315

total

3 499

12 489

Income

95 500

Total tax

34 344

31 588

40 589

27 078

After tax

61 156

63 912

54 911

68 422

Living cost

38 745

Free-cash

22 411

25 167

16 166

29 677

Estimated living cost is ₽38745 per week

₽25308

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

₽3727

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

₽617

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.

₽9095

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.