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
₽101408
₽98521
₽72633
₽97659
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
-
-
-
38 791
national
-
-
-
44 492
health
-
-
-
2 989
total
-
-
-
86 272
Employee
47 373
-
183 815
-
national
783
-
29 079
-
unemployment
711
-
2 758
-
health
354
-
2 455
-
municipal
7 759
-
29 914
-
pensions
3 197
-
12 407
-
total
12 804
-
76 613
-
Employer
47 373
-
183 815
-
accident
48
-
185
-
pensions
8 219
-
31 891
-
unemployment
308
-
1 194
-
health
364
-
1 415
-
total
8 939
-
34 685
-
Corporate
162 189
218 500
-
-
income
32 438
43 700
-
-
total
32 438
43 700
-
-
Dividends

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

97 313
131 100
-
-
municipal
17 516
23 597
-
-
national
10 826
18 113
-
-
total
28 342
41 710
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 523
85 410
111 298
86 272
After tax
135 977
133 090
107 202
132 228
Living cost
34 570
34 570
34 570
34 570
Free-cash
101 408
98 521
72 633
97 659

Estimated living cost  is ₽34570 per week

₽22581
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3325
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽8115
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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