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
₽105259
₽101997
₽75272
₽101103
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
municipal
-
-
-
40 033
national
-
-
-
46 540
health
-
-
-
3 095
total
-
-
-
89 668
Employee
47 592
-
189 702
-
national
786
-
30 635
-
unemployment
714
-
2 846
-
health
355
-
2 544
-
municipal
7 795
-
30 872
-
pensions
3 212
-
12 804
-
total
12 862
-
79 701
-
Employer
47 592
-
189 702
-
accident
48
-
191
-
pensions
8 257
-
32 913
-
unemployment
309
-
1 233
-
health
366
-
1 461
-
total
8 980
-
35 798
-
Corporate
168 929
225 500
-
-
income
33 786
45 101
-
-
total
33 786
45 101
-
-
Dividends

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

101 357
135 300
-
-
municipal
18 244
24 354
-
-
national
11 640
19 319
-
-
total
29 884
43 673
-
-
Income
225 500
225 500
225 500
225 500
Total tax
85 512
88 774
115 499
89 668
After tax
139 988
136 726
110 001
135 832
Living cost
34 729
34 729
34 729
34 729
Free-cash
105 259
101 997
75 272
101 103

Estimated living cost  is ₽34729 per week

₽22685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3341
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽8152
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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