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
₽ 218000
per

Your estimated
City
free-cash

Helsinki , Finland
₽95200
₽98335
₽95943
₽70972
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

-
-
-
218 000
municipal
-
-
-
38 712
health
-
-
-
2 933
national
-
-
-
41 445
total
-
-
-
83 090
Employee
53 399
-
183 394
-
health
399
-
2 400
-
municipal
8 746
-
29 856
-
pensions
3 604
-
12 379
-
unemployment
801
-
2 750
-
national
882
-
26 070
-
total
14 432
-
73 455
-
Employer
53 399
-
183 394
-
accident
54
-
183
-
unemployment
347
-
1 192
-
pensions
9 264
-
31 819
-
health
410
-
1 412
-
total
10 075
-
34 606
-
Corporate
154 526
218 000
-
-
income
30 906
43 600
-
-
total
30 906
43 600
-
-
Dividends

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

92 715
130 800
-
-
national
8 596
16 689
-
-
municipal
16 689
23 544
-
-
total
25 285
40 233
-
-
Income
218 000
218 000
218 000
218 000
Total tax
80 698
83 833
108 061
83 090
After tax
137 302
134 167
109 939
134 910
Living cost
38 967
38 967
38 967
38 967
Free-cash
98 335
95 200
70 972
95 943

Estimated living cost  is ₽38967 per week

₽25453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽620
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.
₽9147
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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