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
₽ 245500
per

Your estimated
City
free-cash

Helsinki , Finland
₽110633
₽113827
₽109667
₽81547
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

-
-
-
245 500
municipal
-
-
-
43 585
health
-
-
-
3 356
national
-
-
-
49 875
total
-
-
-
96 816
Employee
53 468
-
206 528
-
health
399
-
2 756
-
municipal
8 758
-
33 613
-
pensions
3 608
-
13 941
-
unemployment
802
-
3 097
-
national
883
-
32 558
-
total
14 450
-
85 965
-
Employer
53 468
-
206 528
-
accident
54
-
206
-
unemployment
347
-
1 342
-
pensions
9 276
-
35 832
-
health
411
-
1 591
-
total
10 088
-
38 971
-
Corporate
181 944
245 500
-
-
income
36 390
49 101
-
-
total
36 390
49 101
-
-
Dividends

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

109 166
147 299
-
-
national
12 078
20 235
-
-
municipal
19 650
26 514
-
-
total
31 728
46 749
-
-
Income
245 500
245 500
245 500
245 500
Total tax
92 656
95 850
124 936
96 816
After tax
152 844
149 650
120 564
148 684
Living cost
39 017
39 017
39 017
39 017
Free-cash
113 827
110 633
81 547
109 667

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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