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
₽104115
₽101178
₽74674
₽100503
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
-
-
-
40 036
national
-
-
-
45 357
health
-
-
-
3 077
total
-
-
-
88 470
Employee
50 055
-
189 703
-
national
827
-
29 453
-
unemployment
751
-
2 845
-
health
374
-
2 524
-
municipal
8 199
-
30 875
-
pensions
3 378
-
12 804
-
total
13 529
-
78 501
-
Employer
50 055
-
189 703
-
accident
51
-
190
-
pensions
8 684
-
32 914
-
unemployment
325
-
1 233
-
health
385
-
1 461
-
total
9 445
-
35 798
-
Corporate
166 001
225 500
-
-
income
33 201
45 100
-
-
total
33 201
45 100
-
-
Dividends

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

99 600
135 300
-
-
municipal
17 928
24 354
-
-
national
10 755
18 341
-
-
total
28 683
42 695
-
-
Income
225 500
225 500
225 500
225 500
Total tax
84 858
87 795
114 299
88 470
After tax
140 642
137 705
111 201
137 030
Living cost
36 527
36 527
36 527
36 527
Free-cash
104 115
101 178
74 674
100 503

Estimated living cost  is ₽36527 per week

₽23859
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3513
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽8574
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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