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
₽ 96000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽25607

₽22964

₽30102

₽16557

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

96 000

municipal

17 090

health

1 060

national

9 185

total

27 335

Employee

52 845

80 763

health

395

825

municipal

8 656

13 190

pensions

3 566

5 451

unemployment

793

1 212

national

873

4 965

total

14 283

25 643

Employer

52 845

80 763

accident

unemployment

343

524

pensions

9 168

14 012

health

406

621

total

9 970

15 237

Corporate

33 184

96 000

income

6 637

19 200

total

6 637

19 200

Dividends

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

19 910

57 600

national

2 263

municipal

3 583

10 367

total

3 583

12 630

Income

96 000

Total tax

34 473

31 830

40 880

27 335

After tax

61 527

64 170

55 120

68 665

Living cost

38 563

Free-cash

22 964

25 607

16 557

30 102

Estimated living cost is ₽38563 per week

₽25189

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.