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
₽ 214000
per

Your estimated
City
free-cash

Helsinki , Finland
₽93963
₽69451
₽96114
₽92985
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

-
-
-
214 000
municipal
-
-
-
38 002
health
-
-
-
2 873
national
-
-
-
40 255
total
-
-
-
81 130
Employee
53 316
-
180 029
-
pensions
3 598
-
12 152
-
national
881
-
25 160
-
municipal
8 733
-
29 308
-
unemployment
800
-
2 700
-
health
398
-
2 350
-
total
14 410
-
71 670
-
Employer
53 316
-
180 029
-
pensions
9 250
-
31 235
-
accident
54
-
181
-
health
410
-
1 387
-
unemployment
346
-
1 169
-
total
10 060
-
33 972
-
Corporate
150 624
214 000
-
-
income
30 125
42 800
-
-
total
30 125
42 800
-
-
Dividends

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

90 374
128 400
-
-
municipal
16 267
23 112
-
-
national
8 117
16 196
-
-
total
24 384
39 308
-
-
Income
214 000
214 000
214 000
214 000
Total tax
78 979
82 108
105 642
81 130
After tax
135 021
131 892
108 358
132 870
Living cost
38 907
38 907
38 907
38 907
Free-cash
96 114
92 985
69 451
93 963

Estimated living cost  is ₽38907 per week

₽25414
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3742
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽619
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.
₽9133
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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