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
₽101008
₽72422
₽98180
₽97450
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
health
-
-
-
2 982
municipal
-
-
-
38 794
national
-
-
-
44 079
total
-
-
-
85 855
Employee
48 230
-
183 813
-
unemployment
724
-
2 757
-
pensions
3 255
-
12 407
-
municipal
7 900
-
29 917
-
national
797
-
28 668
-
health
360
-
2 448
-
total
13 036
-
76 197
-
Employer
48 230
-
183 813
-
pensions
8 368
-
31 891
-
health
371
-
1 416
-
unemployment
313
-
1 195
-
accident
49
-
184
-
total
9 101
-
34 686
-
Corporate
161 170
218 500
-
-
income
32 234
43 700
-
-
total
32 234
43 700
-
-
Dividends

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

96 702
131 100
-
-
national
10 519
17 827
-
-
municipal
17 407
23 598
-
-
total
27 926
41 425
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 297
85 125
110 883
85 855
After tax
136 203
133 375
107 617
132 645
Living cost
35 195
35 195
35 195
35 195
Free-cash
101 008
98 180
72 422
97 450

Estimated living cost  is ₽35195 per week

₽22989
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3385
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽8262
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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