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
₽100536
₽72174
₽97644
₽97201
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
-
-
-
2 974
municipal
-
-
-
38 795
national
-
-
-
43 588
total
-
-
-
85 357
Employee
49 254
-
183 814
-
unemployment
739
-
2 757
-
pensions
3 324
-
12 408
-
municipal
8 067
-
29 917
-
national
814
-
28 177
-
health
368
-
2 439
-
total
13 312
-
75 698
-
Employer
49 254
-
183 814
-
pensions
8 545
-
31 891
-
health
378
-
1 416
-
unemployment
320
-
1 196
-
accident
50
-
183
-
total
9 293
-
34 686
-
Corporate
159 953
218 500
-
-
income
31 991
43 700
-
-
total
31 991
43 700
-
-
Dividends

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

95 972
131 100
-
-
national
10 151
17 616
-
-
municipal
17 275
23 598
-
-
total
27 426
41 214
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 022
84 914
110 384
85 357
After tax
136 478
133 586
108 116
133 143
Living cost
35 942
35 942
35 942
35 942
Free-cash
100 536
97 644
72 174
97 201

Estimated living cost  is ₽35942 per week

₽23477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3457
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
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.
₽8437
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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