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
₽ 188500
per

Your estimated
City
free-cash

Helsinki , Finland
₽82568
₽61485
₽83076
₽85250
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

-
-
-
188 500
health
-
-
-
2 540
municipal
-
-
-
33 473
national
-
-
-
36 069
total
-
-
-
72 082
Employee
45 691
-
158 577
-
health
341
-
2 080
-
municipal
7 484
-
25 815
-
pensions
3 083
-
10 704
-
national
755
-
22 773
-
unemployment
686
-
2 378
-
total
12 349
-
63 750
-
Employer
45 691
-
158 577
-
accident
46
-
158
-
unemployment
297
-
1 030
-
health
351
-
1 221
-
pensions
7 927
-
27 514
-
total
8 621
-
29 923
-
Corporate
134 189
188 500
-
-
income
26 838
37 700
-
-
total
26 838
37 700
-
-
Dividends

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

80 513
113 100
-
-
municipal
14 493
20 358
-
-
national
7 607
14 532
-
-
total
22 100
34 890
-
-
Income
188 500
188 500
188 500
188 500
Total tax
69 908
72 590
93 673
72 082
After tax
118 592
115 910
94 827
116 418
Living cost
33 342
33 342
33 342
33 342
Free-cash
85 250
82 568
61 485
83 076

Estimated living cost  is ₽33342 per week

₽21779
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3207
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
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.
₽7826
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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