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
₽ 113000
per

Your estimated
City
free-cash

Helsinki , Finland
₽35248
₽34215
₽39953
₽24460
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

-
-
-
113 000
municipal
-
-
-
20 103
health
-
-
-
1 315
national
-
-
-
12 612
total
-
-
-
34 030
Employee
53 468
-
95 063
-
health
399
-
1 039
-
municipal
8 758
-
15 513
-
pensions
3 608
-
6 416
-
unemployment
802
-
1 425
-
national
883
-
7 193
-
total
14 450
-
31 586
-
Employer
53 468
-
95 063
-
accident
54
-
94
-
unemployment
347
-
617
-
pensions
9 276
-
16 493
-
health
411
-
733
-
total
10 088
-
17 937
-
Corporate
49 444
113 000
-
-
income
9 890
22 601
-
-
total
9 890
22 601
-
-
Dividends

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

29 666
67 800
-
-
national
-
3 930
-
-
municipal
5 340
12 204
-
-
total
5 340
16 134
-
-
Income
113 000
113 000
113 000
113 000
Total tax
39 768
38 735
49 523
34 030
After tax
73 232
74 265
63 477
78 970
Living cost
39 017
39 017
39 017
39 017
Free-cash
34 215
35 248
24 460
39 953

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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