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
₽ 21000
per

Your estimated
City
free-cash

Helsinki , Finland
-₽28089
-₽16847
-₽12917
-₽15606
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

-
-
-
21 000
municipal
-
-
-
3 781
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 781
Employee
41 298
-
17 666
-
health
308
-
-
-
unemployment
620
-
265
-
pensions
2 787
-
1 193
-
national
682
-
-
-
municipal
6 764
-
2 918
-
total
11 161
-
4 376
-
Employer
41 298
-
17 666
-
health
317
-
136
-
pensions
7 165
-
3 066
-
accident
42
-
18
-
unemployment
268
-
115
-
total
7 792
-
3 335
-
Corporate
-
21 000
-
-
income
-
4 201
-
-
total
-
4 201
-
-
Dividends

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

-
12 600
-
-
municipal
-
2 269
-
-
national
-
-
-
-
total
-
2 269
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 953
6 470
7 711
3 781
After tax
2 047
14 530
13 289
17 219
Living cost
30 136
30 136
30 136
30 136
Free-cash
-28 089
-15 606
-16 847
-12 917

Estimated living cost  is ₽30136 per week

₽19685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2899
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽7074
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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