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
₽ 220500
per

Your estimated
City
free-cash

Helsinki , Finland
₽96770
₽99889
₽97267
₽72011
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

-
-
-
220 500
municipal
-
-
-
39 154
health
-
-
-
2 974
national
-
-
-
42 362
total
-
-
-
84 490
Employee
53 092
-
185 496
-
health
396
-
2 436
-
municipal
8 696
-
30 196
-
pensions
3 583
-
12 520
-
unemployment
797
-
2 782
-
national
877
-
26 808
-
total
14 349
-
74 742
-
Employer
53 092
-
185 496
-
accident
54
-
186
-
unemployment
345
-
1 206
-
pensions
9 211
-
32 183
-
health
408
-
1 429
-
total
10 018
-
35 004
-
Corporate
157 391
220 500
-
-
income
31 479
44 100
-
-
total
31 479
44 100
-
-
Dividends

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

94 434
132 300
-
-
national
9 025
17 072
-
-
municipal
16 997
23 815
-
-
total
26 022
40 887
-
-
Income
220 500
220 500
220 500
220 500
Total tax
81 868
84 987
109 746
84 490
After tax
138 632
135 513
110 754
136 010
Living cost
38 743
38 743
38 743
38 743
Free-cash
99 889
96 770
72 011
97 267

Estimated living cost  is ₽38743 per week

₽25307
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
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.
₽9094
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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