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
₽100241
₽72016
₽97311
₽97044
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
-
-
-
2 970
municipal
-
-
-
38 795
national
-
-
-
43 279
total
-
-
-
85 044
Employee
49 898
-
183 814
-
unemployment
749
-
2 757
-
pensions
3 367
-
12 408
-
municipal
8 173
-
29 918
-
national
824
-
27 867
-
health
373
-
2 435
-
total
13 486
-
75 385
-
Employer
49 898
-
183 814
-
pensions
8 657
-
31 893
-
health
383
-
1 415
-
unemployment
324
-
1 195
-
accident
50
-
184
-
total
9 414
-
34 687
-
Corporate
159 187
218 500
-
-
income
31 837
43 699
-
-
total
31 837
43 699
-
-
Dividends

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

95 513
131 101
-
-
national
9 918
17 481
-
-
municipal
17 192
23 597
-
-
total
27 110
41 078
-
-
Income
218 500
218 500
218 500
218 500
Total tax
81 847
84 777
110 072
85 044
After tax
136 653
133 723
108 428
133 456
Living cost
36 412
36 412
36 412
36 412
Free-cash
100 241
97 311
72 016
97 044

Estimated living cost  is ₽36412 per week

₽23784
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽8547
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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