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
₽ 237500
per

Your estimated
City
free-cash

Helsinki , Finland
₽106497
₽109601
₽105821
₽78616
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

-
-
-
237 500
municipal
-
-
-
42 166
health
-
-
-
3 239
national
-
-
-
47 710
total
-
-
-
93 115
Employee
52 847
-
199 798
-
health
395
-
2 657
-
municipal
8 656
-
32 519
-
pensions
3 566
-
13 486
-
unemployment
793
-
2 997
-
national
873
-
30 959
-
total
14 283
-
82 618
-
Employer
52 847
-
199 798
-
accident
53
-
200
-
unemployment
343
-
1 298
-
pensions
9 169
-
34 666
-
health
406
-
1 538
-
total
9 971
-
37 702
-
Corporate
174 682
237 500
-
-
income
34 936
47 500
-
-
total
34 936
47 500
-
-
Dividends

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

104 809
142 500
-
-
national
11 280
19 290
-
-
municipal
18 865
25 649
-
-
total
30 145
44 939
-
-
Income
237 500
237 500
237 500
237 500
Total tax
89 335
92 439
120 320
93 115
After tax
148 165
145 061
117 180
144 385
Living cost
38 564
38 564
38 564
38 564
Free-cash
109 601
106 497
78 616
105 821

Estimated living cost  is ₽38564 per week

₽25190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9052
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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