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
₽ 30500
per

Your estimated
City
free-cash

Helsinki , Finland
-₽17576
-₽13715
-₽19375
-₽32511
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

-
-
-
30 500
health
-
-
-
50
municipal
-
-
-
5 482
national
-
-
-
-
total
-
-
-
5 532
Employee
53 009
-
25 659
-
municipal
8 682
-
4 237
-
pensions
3 577
-
1 732
-
unemployment
795
-
384
-
national
876
-
-
-
health
396
-
-
-
total
14 326
-
6 353
-
Employer
53 009
-
25 659
-
accident
54
-
25
-
unemployment
344
-
166
-
health
407
-
197
-
pensions
9 197
-
4 451
-
total
10 002
-
4 839
-
Corporate
-
30 500
-
-
income
-
6 099
-
-
total
-
6 099
-
-
Dividends

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

-
18 301
-
-
municipal
-
3 294
-
-
national
-
-
-
-
total
-
3 294
-
-
Income
30 500
30 500
30 500
30 500
Total tax
24 328
9 393
11 192
5 532
After tax
6 172
21 107
19 308
24 968
Living cost
38 683
38 683
38 683
38 683
Free-cash
-32 511
-17 576
-19 375
-13 715

Estimated living cost  is ₽38683 per week

₽25267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3721
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽616
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.
₽9080
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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