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
₽ 110000
per

Your estimated
City
free-cash

Helsinki , Finland
₽38602
₽23520
₽32849
₽33987
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

-
-
-
110 000
municipal
-
-
-
19 571
health
-
-
-
1 277
national
-
-
-
12 162
total
-
-
-
33 010
Employee
52 606
-
92 538
-
pensions
3 550
-
6 246
-
national
869
-
6 887
-
municipal
8 616
-
15 100
-
unemployment
789
-
1 389
-
health
393
-
1 008
-
total
14 217
-
30 630
-
Employer
52 606
-
92 538
-
pensions
9 127
-
16 055
-
accident
53
-
93
-
health
404
-
713
-
unemployment
342
-
601
-
total
9 926
-
17 462
-
Corporate
47 468
110 000
-
-
income
9 493
21 999
-
-
total
9 493
21 999
-
-
Dividends

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

28 481
66 001
-
-
municipal
5 127
11 880
-
-
national
-
3 746
-
-
total
5 127
15 626
-
-
Income
110 000
110 000
110 000
110 000
Total tax
38 763
37 625
48 092
33 010
After tax
71 237
72 375
61 908
76 990
Living cost
38 388
38 388
38 388
38 388
Free-cash
32 849
33 987
23 520
38 602

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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