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
₽101058
₽98232
₽72447
₽97473
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
-
-
-
38 794
national
-
-
-
44 131
health
-
-
-
2 982
total
-
-
-
85 907
Employee
48 127
-
183 815
-
national
795
-
28 717
-
unemployment
722
-
2 757
-
health
359
-
2 449
-
municipal
7 883
-
29 917
-
pensions
3 248
-
12 408
-
total
13 007
-
76 248
-
Employer
48 127
-
183 815
-
accident
49
-
184
-
pensions
8 350
-
31 892
-
unemployment
312
-
1 194
-
health
370
-
1 415
-
total
9 081
-
34 685
-
Corporate
161 293
218 500
-
-
income
32 258
43 700
-
-
total
32 258
43 700
-
-
Dividends

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

96 776
131 100
-
-
municipal
17 420
23 598
-
-
national
10 556
17 850
-
-
total
27 976
41 448
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 322
85 148
110 933
85 907
After tax
136 178
133 352
107 567
132 593
Living cost
35 120
35 120
35 120
35 120
Free-cash
101 058
98 232
72 447
97 473

Estimated living cost  is ₽35120 per week

₽22940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3378
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8244
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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