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
₽100847
₽72338
₽97995
₽97363
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
-
-
-
2 979
municipal
-
-
-
38 794
national
-
-
-
43 911
total
-
-
-
85 684
Employee
48 583
-
183 814
-
unemployment
729
-
2 756
-
pensions
3 279
-
12 407
-
municipal
7 957
-
29 916
-
national
803
-
28 499
-
health
363
-
2 445
-
total
13 131
-
76 023
-
Employer
48 583
-
183 814
-
pensions
8 429
-
31 891
-
health
373
-
1 416
-
unemployment
315
-
1 195
-
accident
49
-
184
-
total
9 166
-
34 686
-
Corporate
160 750
218 500
-
-
income
32 151
43 700
-
-
total
32 151
43 700
-
-
Dividends

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

96 450
131 100
-
-
national
10 391
17 755
-
-
municipal
17 361
23 597
-
-
total
27 752
41 352
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 200
85 052
110 709
85 684
After tax
136 300
133 448
107 791
132 816
Living cost
35 453
35 453
35 453
35 453
Free-cash
100 847
97 995
72 338
97 363

Estimated living cost  is ₽35453 per week

₽23158
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽564
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.
₽8322
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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