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
₽98016
₽72345
₽97372
₽100867
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
-
-
-
2 980
municipal
-
-
-
38 794
national
-
-
-
43 930
total
-
-
-
85 704
Employee
48 544
-
183 816
-
municipal
7 951
-
29 917
-
unemployment
728
-
2 758
-
pensions
3 276
-
12 407
-
national
802
-
28 518
-
health
362
-
2 446
-
total
13 119
-
76 046
-
Employer
48 544
-
183 816
-
health
373
-
1 415
-
pensions
8 422
-
31 892
-
accident
49
-
184
-
unemployment
315
-
1 194
-
total
9 159
-
34 685
-
Corporate
160 797
218 500
-
-
income
32 160
43 700
-
-
total
32 160
43 700
-
-
Dividends

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

96 478
131 100
-
-
municipal
17 366
23 597
-
-
national
10 405
17 763
-
-
total
27 771
41 360
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 209
85 060
110 731
85 704
After tax
136 291
133 440
107 769
132 796
Living cost
35 424
35 424
35 424
35 424
Free-cash
100 867
98 016
72 345
97 372

Estimated living cost  is ₽35424 per week

₽23139
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3407
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.
₽8315
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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