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
₽100383
₽97471
₽72092
₽97119
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
-
-
-
38 795
national
-
-
-
43 428
health
-
-
-
2 971
total
-
-
-
85 194
Employee
49 590
-
183 814
-
national
819
-
28 015
-
unemployment
744
-
2 756
-
health
370
-
2 438
-
municipal
8 122
-
29 918
-
pensions
3 347
-
12 408
-
total
13 402
-
75 535
-
Employer
49 590
-
183 814
-
accident
50
-
184
-
pensions
8 604
-
31 892
-
unemployment
322
-
1 195
-
health
381
-
1 415
-
total
9 357
-
34 686
-
Corporate
159 553
218 500
-
-
income
31 910
43 699
-
-
total
31 910
43 699
-
-
Dividends

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

95 732
131 100
-
-
municipal
17 232
23 598
-
-
national
10 029
17 545
-
-
total
27 261
41 143
-
-
Income
218 500
218 500
218 500
218 500
Total tax
81 930
84 842
110 221
85 194
After tax
136 570
133 658
108 279
133 306
Living cost
36 188
36 188
36 188
36 188
Free-cash
100 383
97 471
72 092
97 119

Estimated living cost  is ₽36188 per week

₽23638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3481
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
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.
₽8494
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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