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
₽ 179500
per

Your estimated
City
free-cash

Helsinki , Finland
₽76898
₽55564
₽76477
₽73883
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

-
-
-
179 500
municipal
-
-
-
31 888
health
-
-
-
2 347
national
-
-
-
29 983
total
-
-
-
64 218
Employee
52 601
-
151 005
-
pensions
3 550
-
10 192
-
national
869
-
18 096
-
municipal
8 616
-
24 594
-
unemployment
789
-
2 265
-
health
393
-
1 909
-
total
14 217
-
57 056
-
Employer
52 601
-
151 005
-
pensions
9 126
-
26 200
-
accident
53
-
152
-
health
404
-
1 163
-
unemployment
342
-
981
-
total
9 925
-
28 496
-
Corporate
116 975
179 500
-
-
income
23 395
35 900
-
-
total
23 395
35 900
-
-
Dividends

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

70 184
107 700
-
-
municipal
12 634
19 386
-
-
national
4 468
11 947
-
-
total
17 102
31 333
-
-
Income
179 500
179 500
179 500
179 500
Total tax
64 639
67 233
85 552
64 218
After tax
114 861
112 267
93 948
115 282
Living cost
38 384
38 384
38 384
38 384
Free-cash
76 477
73 883
55 564
76 898

Estimated living cost  is ₽38384 per week

₽25073
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.
₽9010
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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