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
₽100827
₽72326
₽97974
₽97354
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
-
-
-
38 793
national
-
-
-
43 892
total
-
-
-
85 665
Employee
48 622
-
183 814
-
unemployment
730
-
2 757
-
pensions
3 281
-
12 408
-
municipal
7 964
-
29 917
-
national
803
-
28 481
-
health
363
-
2 445
-
total
13 141
-
76 008
-
Employer
48 622
-
183 814
-
pensions
8 436
-
31 892
-
health
374
-
1 415
-
unemployment
316
-
1 194
-
accident
49
-
184
-
total
9 175
-
34 685
-
Corporate
160 704
218 500
-
-
income
32 141
43 700
-
-
total
32 141
43 700
-
-
Dividends

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

96 423
131 100
-
-
national
10 378
17 746
-
-
municipal
17 357
23 599
-
-
total
27 735
41 345
-
-
Income
218 500
218 500
218 500
218 500
Total tax
82 192
85 045
110 693
85 665
After tax
136 308
133 455
107 807
132 835
Living cost
35 481
35 481
35 481
35 481
Free-cash
100 827
97 974
72 326
97 354

Estimated living cost  is ₽35481 per week

₽23176
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3413
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
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.
₽8329
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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