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
₽ 213000
per

Your estimated
City
free-cash

Helsinki , Finland
₽92667
₽95768
₽93580
₽69177
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

-
-
-
213 000
municipal
-
-
-
37 824
health
-
-
-
2 861
national
-
-
-
40 171
total
-
-
-
80 856
Employee
52 847
-
179 186
-
health
395
-
2 341
-
municipal
8 656
-
29 172
-
pensions
3 566
-
12 095
-
unemployment
793
-
2 688
-
national
873
-
25 149
-
total
14 283
-
71 445
-
Employer
52 847
-
179 186
-
accident
53
-
179
-
unemployment
343
-
1 165
-
pensions
9 169
-
31 090
-
health
406
-
1 380
-
total
9 971
-
33 814
-
Corporate
150 182
213 000
-
-
income
30 036
42 599
-
-
total
30 036
42 599
-
-
Dividends

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

90 109
127 801
-
-
national
8 158
16 166
-
-
municipal
16 220
23 004
-
-
total
24 378
39 170
-
-
Income
213 000
213 000
213 000
213 000
Total tax
78 668
81 769
105 259
80 856
After tax
134 332
131 231
107 741
132 144
Living cost
38 564
38 564
38 564
38 564
Free-cash
95 768
92 667
69 177
93 580

Estimated living cost  is ₽38564 per week

₽25190
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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