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
₽ 171500
per

Your estimated
City
free-cash

Helsinki , Finland
₽68922
₽71297
₽72695
₽51435
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

-
-
-
171 500
municipal
-
-
-
30 470
health
-
-
-
2 217
national
-
-
-
27 110
total
-
-
-
59 797
Employee
53 456
-
144 275
-
health
399
-
1 797
-
municipal
8 756
-
23 504
-
pensions
3 608
-
9 739
-
unemployment
802
-
2 163
-
national
883
-
16 630
-
total
14 448
-
53 833
-
Employer
53 456
-
144 275
-
accident
54
-
145
-
unemployment
347
-
937
-
pensions
9 274
-
25 031
-
health
411
-
1 111
-
total
10 086
-
27 224
-
Corporate
107 958
171 500
-
-
income
21 591
34 299
-
-
total
21 591
34 299
-
-
Dividends

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

64 775
102 900
-
-
national
3 411
10 749
-
-
municipal
11 659
18 522
-
-
total
15 070
29 271
-
-
Income
171 500
171 500
171 500
171 500
Total tax
61 195
63 570
81 057
59 797
After tax
110 305
107 930
90 443
111 703
Living cost
39 008
39 008
39 008
39 008
Free-cash
71 297
68 922
51 435
72 695

Estimated living cost  is ₽39008 per week

₽25480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
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.
₽9157
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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