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
₽ 218500
per

Your estimated
City
free-cash

Helsinki , Finland
₽100296
₽97372
₽72047
₽97074
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

-
-
-
218 500
municipal
-
-
-
38 795
national
-
-
-
43 336
health
-
-
-
2 970
total
-
-
-
85 101
Employee
49 778
-
183 817
-
national
822
-
27 926
-
unemployment
747
-
2 758
-
health
372
-
2 436
-
municipal
8 153
-
29 918
-
pensions
3 359
-
12 407
-
total
13 453
-
75 445
-
Employer
49 778
-
183 817
-
accident
50
-
183
-
pensions
8 636
-
31 891
-
unemployment
323
-
1 194
-
health
382
-
1 415
-
total
9 391
-
34 683
-
Corporate
159 329
218 500
-
-
income
31 866
43 700
-
-
total
31 866
43 700
-
-
Dividends

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

95 597
131 100
-
-
municipal
17 208
23 598
-
-
national
9 961
17 505
-
-
total
27 169
41 103
-
-
Income
218 500
218 500
218 500
218 500
Total tax
81 879
84 803
110 128
85 101
After tax
136 621
133 697
108 372
133 399
Living cost
36 325
36 325
36 325
36 325
Free-cash
100 296
97 372
72 047
97 074

Estimated living cost  is ₽36325 per week

₽23727
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3494
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
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.
₽8527
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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