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
₽96942
₽71846
₽96872
₽99912
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
-
-
-
2 964
municipal
-
-
-
38 797
national
-
-
-
42 944
total
-
-
-
84 705
Employee
50 598
-
183 813
-
municipal
8 288
-
29 920
-
unemployment
759
-
2 758
-
pensions
3 415
-
12 407
-
national
836
-
27 531
-
health
378
-
2 429
-
total
13 676
-
75 045
-
Employer
50 598
-
183 813
-
health
389
-
1 416
-
pensions
8 778
-
31 891
-
accident
51
-
184
-
unemployment
329
-
1 195
-
total
9 547
-
34 686
-
Corporate
158 355
218 500
-
-
income
31 672
43 701
-
-
total
31 672
43 701
-
-
Dividends

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

95 012
131 099
-
-
municipal
17 103
23 598
-
-
national
9 667
17 336
-
-
total
26 770
40 934
-
-
Income
218 500
218 500
218 500
218 500
Total tax
81 665
84 635
109 731
84 705
After tax
136 835
133 865
108 769
133 795
Living cost
36 923
36 923
36 923
36 923
Free-cash
99 912
96 942
71 846
96 872

Estimated living cost  is ₽36923 per week

₽24118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
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.
₽8667
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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