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
₽ 230500
per

Your estimated
City
free-cash

Helsinki , Finland
₽102220
₽105361
₽102171
₽75770
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

-
-
-
230 500
municipal
-
-
-
40 928
health
-
-
-
3 126
national
-
-
-
45 258
total
-
-
-
89 312
Employee
53 468
-
193 908
-
health
399
-
2 561
-
municipal
8 758
-
31 563
-
pensions
3 608
-
13 089
-
unemployment
802
-
2 908
-
national
883
-
29 000
-
total
14 450
-
79 121
-
Employer
53 468
-
193 908
-
accident
54
-
195
-
unemployment
347
-
1 261
-
pensions
9 276
-
33 643
-
health
411
-
1 493
-
total
10 088
-
36 592
-
Corporate
166 944
230 500
-
-
income
33 389
46 100
-
-
total
33 389
46 100
-
-
Dividends

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

100 167
138 300
-
-
national
10 165
18 269
-
-
municipal
18 030
24 894
-
-
total
28 195
43 163
-
-
Income
230 500
230 500
230 500
230 500
Total tax
86 122
89 263
115 713
89 312
After tax
144 378
141 237
114 787
141 188
Living cost
39 017
39 017
39 017
39 017
Free-cash
105 361
102 220
75 770
102 171

Estimated living cost  is ₽39017 per week

₽25486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3753
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
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.
₽9159
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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