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

₽37383

₽27507

₽40370

₽38627

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

health

1 230

municipal

17 238

national

13 864

total

32 332

Employee

33 297

81 602

health

249

992

municipal

5 454

13 298

pensions

2 247

5 508

national

550

8 774

unemployment

500

1 224

total

9 000

29 796

Employer

33 297

81 602

accident

unemployment

216

531

health

256

628

pensions

5 777

14 158

total

6 283

15 399

Corporate

57 420

97 000

income

11 484

19 400

total

11 484

19 400

Dividends

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

34 452

58 200

municipal

6 201

10 476

national

1 107

5 443

total

7 308

15 919

Income

97 000

Total tax

34 075

35 319

45 195

32 332

After tax

62 925

61 681

51 805

64 668

Living cost

24 298

Free-cash

38 627

37 383

27 507

40 370

Estimated living cost is ₽24298 per week

₽15871

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

₽2337

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

₽387

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.

₽5704

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.