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
₽ 93500
per

Your estimated
City
free-cash

Helsinki , Finland
₽23779
₽20730
₽28291
₽14972
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

-
-
-
93 500
municipal
-
-
-
16 648
health
-
-
-
1 016
national
-
-
-
8 536
total
-
-
-
26 200
Employee
53 457
-
78 657
-
health
399
-
787
-
municipal
8 756
-
12 849
-
pensions
3 608
-
5 310
-
unemployment
802
-
1 180
-
national
883
-
4 550
-
total
14 448
-
24 676
-
Employer
53 457
-
78 657
-
accident
54
-
79
-
unemployment
347
-
511
-
pensions
9 275
-
13 648
-
health
411
-
605
-
total
10 087
-
14 843
-
Corporate
29 957
93 500
-
-
income
5 991
18 699
-
-
total
5 991
18 699
-
-
Dividends

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

17 974
56 100
-
-
national
-
1 915
-
-
municipal
3 235
10 098
-
-
total
3 235
12 013
-
-
Income
93 500
93 500
93 500
93 500
Total tax
33 761
30 712
39 519
26 200
After tax
59 739
62 788
53 981
67 300
Living cost
39 009
39 009
39 009
39 009
Free-cash
20 730
23 779
14 972
28 291

Estimated living cost  is ₽39009 per week

₽25481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3752
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.
₽9157
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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