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
₽100770
₽97906
₽72293
₽97322
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
-
-
-
38 794
national
-
-
-
43 830
health
-
-
-
2 979
total
-
-
-
85 603
Employee
48 750
-
183 814
-
national
805
-
28 420
-
unemployment
731
-
2 757
-
health
364
-
2 444
-
municipal
7 985
-
29 917
-
pensions
3 290
-
12 407
-
total
13 175
-
75 945
-
Employer
48 750
-
183 814
-
accident
49
-
185
-
pensions
8 458
-
31 892
-
unemployment
317
-
1 194
-
health
375
-
1 416
-
total
9 199
-
34 687
-
Corporate
160 552
218 500
-
-
income
32 110
43 700
-
-
total
32 110
43 700
-
-
Dividends

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

96 331
131 100
-
-
municipal
17 339
23 598
-
-
national
10 332
17 721
-
-
total
27 671
41 319
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 155
85 019
110 632
85 603
After tax
136 345
133 481
107 868
132 897
Living cost
35 575
35 575
35 575
35 575
Free-cash
100 770
97 906
72 293
97 322

Estimated living cost  is ₽35575 per week

₽23237
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3422
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
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.
₽8351
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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