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
₽ 120000
per

Your estimated
City
free-cash

Helsinki , Finland
₽39375
₽39068
₽44146
₽27690
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

-
-
-
120 000
municipal
-
-
-
21 343
health
-
-
-
1 423
national
-
-
-
14 079
total
-
-
-
36 845
Employee
53 457
-
100 952
-
health
399
-
1 130
-
municipal
8 756
-
16 469
-
pensions
3 608
-
6 814
-
unemployment
802
-
1 514
-
national
883
-
8 325
-
total
14 448
-
34 252
-
Employer
53 457
-
100 952
-
accident
54
-
100
-
unemployment
347
-
656
-
pensions
9 275
-
17 516
-
health
411
-
777
-
total
10 087
-
19 049
-
Corporate
56 457
120 000
-
-
income
11 291
24 000
-
-
total
11 291
24 000
-
-
Dividends

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

33 874
72 000
-
-
national
-
4 657
-
-
municipal
6 097
12 959
-
-
total
6 097
17 616
-
-
Income
120 000
120 000
120 000
120 000
Total tax
41 923
41 616
53 301
36 845
After tax
78 077
78 384
66 699
83 155
Living cost
39 009
39 009
39 009
39 009
Free-cash
39 068
39 375
27 690
44 146

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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