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
₽ 18000
per

Your estimated
City
free-cash

Helsinki , Finland
-₽31030
-₽18706
-₽15339
-₽17643
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

-
-
-
18 000
municipal
-
-
-
3 240
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 240
Employee
41 247
-
15 144
-
health
308
-
-
-
unemployment
619
-
228
-
pensions
2 784
-
1 022
-
national
681
-
-
-
municipal
6 756
-
2 501
-
total
11 148
-
3 751
-
Employer
41 247
-
15 144
-
health
317
-
116
-
pensions
7 156
-
2 627
-
accident
42
-
15
-
unemployment
268
-
98
-
total
7 783
-
2 856
-
Corporate
-
18 000
-
-
income
-
3 600
-
-
total
-
3 600
-
-
Dividends

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

-
10 800
-
-
municipal
-
1 944
-
-
national
-
-
-
-
total
-
1 944
-
-
Income
18 000
18 000
18 000
18 000
Total tax
18 931
5 544
6 607
3 240
After tax
-931
12 456
11 393
14 760
Living cost
30 099
30 099
30 099
30 099
Free-cash
-31 030
-17 643
-18 706
-15 339

Estimated living cost  is ₽30099 per week

₽19661
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2895
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7065
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.

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