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
₽ 96500

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽30159

₽16531

₽22921

₽25626

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

96 500

municipal

17 179

health

1 063

national

9 192

total

27 434

Employee

53 316

81 183

pensions

3 598

5 479

national

881

4 963

municipal

8 733

13 258

unemployment

800

1 217

health

398

827

total

14 410

25 744

Employer

53 316

81 183

pensions

9 250

14 085

accident

health

410

625

unemployment

346

527

total

10 060

15 318

Corporate

33 124

96 500

income

6 625

19 300

total

6 625

19 300

Dividends

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

19 874

57 900

municipal

3 577

10 421

national

2 246

total

3 577

12 667

Income

96 500

Total tax

34 672

31 967

41 062

27 434

After tax

61 828

64 533

55 438

69 066

Living cost

38 907

Free-cash

22 921

25 626

16 531

30 159

Estimated living cost is ₽38907 per week

₽25414

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

₽3742

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

₽619

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.

₽9133

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.