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
₽ 202000
per

Your estimated
City
free-cash

Helsinki , Finland
₽86329
₽89443
₽88022
₽64884
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

-
-
-
202 000
municipal
-
-
-
35 875
health
-
-
-
2 691
national
-
-
-
36 669
total
-
-
-
75 235
Employee
53 092
-
169 934
-
health
396
-
2 196
-
municipal
8 696
-
27 670
-
pensions
3 583
-
11 471
-
unemployment
797
-
2 549
-
national
877
-
22 421
-
total
14 349
-
66 307
-
Employer
53 092
-
169 934
-
accident
54
-
170
-
unemployment
345
-
1 105
-
pensions
9 211
-
29 483
-
health
408
-
1 308
-
total
10 018
-
32 066
-
Corporate
138 891
202 000
-
-
income
27 779
40 400
-
-
total
27 779
40 400
-
-
Dividends

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

83 334
121 200
-
-
national
6 668
14 712
-
-
municipal
15 000
21 816
-
-
total
21 668
36 528
-
-
Income
202 000
202 000
202 000
202 000
Total tax
73 814
76 928
98 373
75 235
After tax
128 186
125 072
103 627
126 765
Living cost
38 743
38 743
38 743
38 743
Free-cash
89 443
86 329
64 884
88 022

Estimated living cost  is ₽38743 per week

₽25307
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
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.
₽9094
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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