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
₽ 231000
per

Your estimated
City
free-cash

Helsinki , Finland
₽102545
₽105679
₽102441
₽75982
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

-
-
-
231 000
municipal
-
-
-
41 016
health
-
-
-
3 135
national
-
-
-
45 451
total
-
-
-
89 602
Employee
53 385
-
194 330
-
health
399
-
2 569
-
municipal
8 744
-
31 631
-
pensions
3 603
-
13 117
-
unemployment
801
-
2 915
-
national
882
-
29 159
-
total
14 429
-
79 391
-
Employer
53 385
-
194 330
-
accident
54
-
194
-
unemployment
347
-
1 263
-
pensions
9 262
-
33 717
-
health
410
-
1 496
-
total
10 073
-
36 670
-
Corporate
167 543
231 000
-
-
income
33 509
46 200
-
-
total
33 509
46 200
-
-
Dividends

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

100 526
138 600
-
-
national
10 259
18 350
-
-
municipal
18 094
24 948
-
-
total
28 353
43 298
-
-
Income
231 000
231 000
231 000
231 000
Total tax
86 364
89 498
116 061
89 602
After tax
144 636
141 502
114 939
141 398
Living cost
38 957
38 957
38 957
38 957
Free-cash
105 679
102 545
75 982
102 441

Estimated living cost  is ₽38957 per week

₽25446
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3747
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽620
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.
₽9144
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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