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
₽ 235000
per

Your estimated
City
free-cash

Helsinki , Finland
₽104767
₽107905
₽104423
₽77510
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

-
-
-
235 000
municipal
-
-
-
41 725
health
-
-
-
3 195
national
-
-
-
46 649
total
-
-
-
91 569
Employee
53 456
-
197 693
-
health
399
-
2 620
-
municipal
8 756
-
32 176
-
pensions
3 608
-
13 345
-
unemployment
802
-
2 965
-
national
883
-
30 073
-
total
14 448
-
81 179
-
Employer
53 456
-
197 693
-
accident
54
-
199
-
unemployment
347
-
1 284
-
pensions
9 274
-
34 299
-
health
411
-
1 521
-
total
10 086
-
37 303
-
Corporate
171 458
235 000
-
-
income
34 292
47 000
-
-
total
34 292
47 000
-
-
Dividends

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

102 875
141 000
-
-
national
10 743
18 845
-
-
municipal
18 518
25 380
-
-
total
29 261
44 225
-
-
Income
235 000
235 000
235 000
235 000
Total tax
88 087
91 225
118 482
91 569
After tax
146 913
143 775
116 518
143 431
Living cost
39 008
39 008
39 008
39 008
Free-cash
107 905
104 767
77 510
104 423

Estimated living cost  is ₽39008 per week

₽25480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3752
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.
₽9157
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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