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
₽ 222000
per

Your estimated
City
free-cash

Helsinki , Finland
₽97746
₽100851
₽98076
₽72647
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

-
-
-
222 000
municipal
-
-
-
39 420
health
-
-
-
3 000
national
-
-
-
42 941
total
-
-
-
85 361
Employee
52 845
-
186 758
-
health
395
-
2 457
-
municipal
8 656
-
30 400
-
pensions
3 566
-
12 607
-
unemployment
793
-
2 802
-
national
873
-
27 282
-
total
14 283
-
75 548
-
Employer
52 845
-
186 758
-
accident
53
-
187
-
unemployment
343
-
1 214
-
pensions
9 168
-
32 404
-
health
406
-
1 437
-
total
9 970
-
35 242
-
Corporate
159 184
222 000
-
-
income
31 837
44 400
-
-
total
31 837
44 400
-
-
Dividends

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

95 510
133 200
-
-
national
9 305
17 314
-
-
municipal
17 191
23 977
-
-
total
26 496
41 291
-
-
Income
222 000
222 000
222 000
222 000
Total tax
82 586
85 691
110 790
85 361
After tax
139 414
136 309
111 210
136 639
Living cost
38 563
38 563
38 563
38 563
Free-cash
100 851
97 746
72 647
98 076

Estimated living cost  is ₽38563 per week

₽25189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9052
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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