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
₽ 244500
per

Your estimated
City
free-cash

Helsinki , Finland
₽110150
₽113301
₽109187
₽81181
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

-
-
-
244 500
municipal
-
-
-
43 408
health
-
-
-
3 341
national
-
-
-
49 607
total
-
-
-
96 356
Employee
53 385
-
205 687
-
health
399
-
2 744
-
municipal
8 744
-
33 476
-
pensions
3 603
-
13 883
-
unemployment
801
-
3 085
-
national
882
-
32 361
-
total
14 429
-
85 549
-
Employer
53 385
-
205 687
-
accident
54
-
206
-
unemployment
347
-
1 336
-
pensions
9 262
-
35 686
-
health
410
-
1 585
-
total
10 073
-
38 813
-
Corporate
181 043
244 500
-
-
income
36 208
48 900
-
-
total
36 208
48 900
-
-
Dividends

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

108 626
146 700
-
-
national
11 980
20 088
-
-
municipal
19 552
26 405
-
-
total
31 532
46 493
-
-
Income
244 500
244 500
244 500
244 500
Total tax
92 242
95 393
124 362
96 356
After tax
152 258
149 107
120 138
148 144
Living cost
38 957
38 957
38 957
38 957
Free-cash
113 301
110 150
81 181
109 187

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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