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

₽30923

₽17294

₽24004

₽26443

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

17 266

health

1 078

national

9 481

total

27 825

Employee

52 419

81 602

pensions

3 538

5 508

national

866

5 158

municipal

8 586

13 326

unemployment

787

1 223

health

391

841

total

14 168

26 056

Employer

52 419

81 602

pensions

9 094

14 158

accident

health

403

628

unemployment

340

531

total

9 890

15 398

Corporate

34 691

97 000

income

6 939

19 401

total

6 939

19 401

Dividends

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

20 814

58 199

municipal

3 747

10 476

national

2 428

total

3 747

12 904

Income

97 000

Total tax

34 744

32 305

41 454

27 825

After tax

62 256

64 695

55 546

69 175

Living cost

38 252

Free-cash

24 004

26 443

17 294

30 923

Estimated living cost is ₽38252 per week

₽24986

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

₽3679

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

₽609

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.

₽8979

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.