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
₽ 201500
per

Your estimated
City
free-cash

Helsinki , Finland
₽87956
₽64878
₽89511
₽86439
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

-
-
-
201 500
municipal
-
-
-
35 786
health
-
-
-
2 688
national
-
-
-
36 878
total
-
-
-
75 352
Employee
52 337
-
169 512
-
pensions
3 532
-
11 442
-
national
865
-
22 665
-
municipal
8 572
-
27 599
-
unemployment
785
-
2 543
-
health
391
-
2 195
-
total
14 145
-
66 444
-
Employer
52 337
-
169 512
-
pensions
9 080
-
29 410
-
accident
53
-
170
-
health
402
-
1 304
-
unemployment
340
-
1 102
-
total
9 875
-
31 986
-
Corporate
139 288
201 500
-
-
income
27 858
40 300
-
-
total
27 858
40 300
-
-
Dividends

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

83 573
120 900
-
-
municipal
15 044
21 762
-
-
national
6 875
14 807
-
-
total
21 919
36 569
-
-
Income
201 500
201 500
201 500
201 500
Total tax
73 797
76 869
98 430
75 352
After tax
127 703
124 631
103 070
126 148
Living cost
38 192
38 192
38 192
38 192
Free-cash
89 511
86 439
64 878
87 956

Estimated living cost  is ₽38192 per week

₽24947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8965
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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