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
₽ 12000
per

Your estimated
City
free-cash

Helsinki , Finland
-₽28547
-₽30793
-₽50531
-₽30084
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

-
-
-
12 000
municipal
-
-
-
2 159
health
-
-
-
-
national
-
-
-
-
total
-
-
-
2 159
Employee
52 606
-
10 095
-
pensions
3 550
-
681
-
national
869
-
-
-
municipal
8 616
-
1 668
-
unemployment
789
-
152
-
health
393
-
-
-
total
14 217
-
2 501
-
Employer
52 606
-
10 095
-
pensions
9 127
-
1 751
-
accident
53
-
9
-
health
404
-
78
-
unemployment
342
-
66
-
total
9 926
-
1 904
-
Corporate
-
12 000
-
-
income
-
2 400
-
-
total
-
2 400
-
-
Dividends

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

-
7 200
-
-
municipal
-
1 296
-
-
national
-
-
-
-
total
-
1 296
-
-
Income
12 000
12 000
12 000
12 000
Total tax
24 143
3 696
4 405
2 159
After tax
-12 143
8 304
7 595
9 841
Living cost
38 388
38 388
38 388
38 388
Free-cash
-50 531
-30 084
-30 793
-28 547

Estimated living cost  is ₽38388 per week

₽25075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
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.
₽9011
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.
 Adjust living cost Show details Source

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.

Source of data for Helsinki model

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