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
₽ 97000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽26180

₽27986

₽18824

₽32288

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

97 000

municipal

17 262

national

10 026

health

1 099

total

28 387

Employee

49 778

81 604

national

822

5 537

unemployment

747

1 225

health

372

862

municipal

8 153

13 322

pensions

3 359

5 509

total

13 453

26 455

Employer

49 778

81 604

accident

pensions

8 636

14 157

unemployment

323

530

health

382

628

total

9 391

15 396

Corporate

37 829

97 000

income

7 566

19 400

total

7 566

19 400

Dividends

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

22 697

58 200

municipal

4 085

10 477

national

2 812

total

4 085

13 289

Income

97 000

Total tax

34 495

32 689

41 851

28 387

After tax

62 505

64 311

55 149

68 613

Living cost

36 325

Free-cash

26 180

27 986

18 824

32 288

Estimated living cost is ₽36325 per week

₽23727

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

₽3494

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

₽578

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.

₽8527

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.