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
₽ 225500
per

Your estimated
City
free-cash

Helsinki , Finland
₽99997
₽74123
₽99953
₽103069
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

-
-
-
225 500
health
-
-
-
3 057
municipal
-
-
-
40 039
national
-
-
-
44 272
total
-
-
-
87 368
Employee
52 319
-
189 703
-
municipal
8 569
-
30 879
-
unemployment
785
-
2 846
-
pensions
3 531
-
12 804
-
national
864
-
28 366
-
health
391
-
2 506
-
total
14 140
-
77 401
-
Employer
52 319
-
189 703
-
health
402
-
1 461
-
pensions
9 077
-
32 913
-
accident
53
-
191
-
unemployment
340
-
1 232
-
total
9 872
-
35 797
-
Corporate
163 310
225 500
-
-
income
32 662
45 100
-
-
total
32 662
45 100
-
-
Dividends

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

97 986
135 300
-
-
municipal
17 637
24 353
-
-
national
9 941
17 871
-
-
total
27 578
42 224
-
-
Income
225 500
225 500
225 500
225 500
Total tax
84 252
87 324
113 198
87 368
After tax
141 248
138 176
112 302
138 132
Living cost
38 179
38 179
38 179
38 179
Free-cash
103 069
99 997
74 123
99 953

Estimated living cost  is ₽38179 per week

₽24938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3672
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8962
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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