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
₽ 193500
per

Your estimated
City
free-cash

Helsinki , Finland
₽81659
₽84581
₽83835
₽61669
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

-
-
-
193 500
municipal
-
-
-
34 369
health
-
-
-
2 560
national
-
-
-
34 173
total
-
-
-
71 102
Employee
52 845
-
162 783
-
health
395
-
2 087
-
municipal
8 656
-
26 508
-
pensions
3 566
-
10 989
-
unemployment
793
-
2 442
-
national
873
-
20 525
-
total
14 283
-
62 551
-
Employer
52 845
-
162 783
-
accident
53
-
162
-
unemployment
343
-
1 058
-
pensions
9 168
-
28 243
-
health
406
-
1 254
-
total
9 970
-
30 717
-
Corporate
130 684
193 500
-
-
income
26 136
38 699
-
-
total
26 136
38 699
-
-
Dividends

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

78 411
116 101
-
-
national
5 852
13 681
-
-
municipal
14 115
20 898
-
-
total
19 967
34 579
-
-
Income
193 500
193 500
193 500
193 500
Total tax
70 356
73 278
93 268
71 102
After tax
123 144
120 222
100 232
122 398
Living cost
38 563
38 563
38 563
38 563
Free-cash
84 581
81 659
61 669
83 835

Estimated living cost  is ₽38563 per week

₽25189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9052
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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