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
₽ 228000
per

Your estimated
City
free-cash

Helsinki , Finland
₽101047
₽101035
₽74917
₽104162
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

-
-
-
228 000
health
-
-
-
3 090
municipal
-
-
-
40 483
national
-
-
-
44 709
total
-
-
-
88 282
Employee
53 009
-
191 808
-
municipal
8 682
-
31 221
-
pensions
3 577
-
12 946
-
unemployment
795
-
2 878
-
national
876
-
28 629
-
health
396
-
2 533
-
total
14 326
-
78 207
-
Employer
53 009
-
191 808
-
accident
54
-
191
-
unemployment
344
-
1 247
-
health
407
-
1 476
-
pensions
9 197
-
33 279
-
total
10 002
-
36 193
-
Corporate
164 989
228 000
-
-
income
32 998
45 600
-
-
total
32 998
45 600
-
-
Dividends

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

98 994
136 800
-
-
municipal
17 818
24 625
-
-
national
10 011
18 045
-
-
total
27 829
42 670
-
-
Income
228 000
228 000
228 000
228 000
Total tax
85 155
88 270
114 400
88 282
After tax
142 845
139 730
113 600
139 718
Living cost
38 683
38 683
38 683
38 683
Free-cash
104 162
101 047
74 917
101 035

Estimated living cost  is ₽38683 per week

₽25267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3721
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽616
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.
₽9080
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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