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
₽ 247000
per

Your estimated
City
free-cash

Helsinki , Finland
₽110626
₽82333
₽115075
₽111602
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

-
-
-
247 000
municipal
-
-
-
43 851
health
-
-
-
3 387
national
-
-
-
50 748
total
-
-
-
97 986
Employee
52 606
-
207 789
-
pensions
3 550
-
14 026
-
national
869
-
33 326
-
municipal
8 616
-
33 815
-
unemployment
789
-
3 118
-
health
393
-
2 782
-
total
14 217
-
87 067
-
Employer
52 606
-
207 789
-
pensions
9 127
-
36 052
-
accident
53
-
209
-
health
404
-
1 600
-
unemployment
342
-
1 351
-
total
9 926
-
39 212
-
Corporate
184 468
247 000
-
-
income
36 894
49 401
-
-
total
36 894
49 401
-
-
Dividends

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

110 680
148 199
-
-
municipal
19 922
26 677
-
-
national
12 578
20 932
-
-
total
32 500
47 609
-
-
Income
247 000
247 000
247 000
247 000
Total tax
93 537
97 010
126 279
97 986
After tax
153 463
149 990
120 721
149 014
Living cost
38 388
38 388
38 388
38 388
Free-cash
115 075
111 602
82 333
110 626

Estimated living cost  is ₽38388 per week

₽25075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
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.
₽9011
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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