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
₽ 121000
per

Your estimated
City
free-cash

Helsinki , Finland
₽45319
₽28730
₽40557
₽40617
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

-
-
-
121 000
municipal
-
-
-
21 519
health
-
-
-
1 448
national
-
-
-
14 521
total
-
-
-
37 488
Employee
52 338
-
101 793
-
pensions
3 532
-
6 872
-
national
865
-
8 717
-
municipal
8 573
-
16 603
-
unemployment
785
-
1 527
-
health
391
-
1 152
-
total
14 146
-
34 871
-
Employer
52 338
-
101 793
-
pensions
9 080
-
17 660
-
accident
53
-
102
-
health
402
-
783
-
unemployment
340
-
661
-
total
9 875
-
19 206
-
Corporate
58 787
121 000
-
-
income
11 757
24 200
-
-
total
11 757
24 200
-
-
Dividends

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

35 272
72 600
-
-
municipal
6 349
13 067
-
-
national
123
4 923
-
-
total
6 472
17 990
-
-
Income
121 000
121 000
121 000
121 000
Total tax
42 250
42 190
54 077
37 488
After tax
78 750
78 810
66 923
83 512
Living cost
38 193
38 193
38 193
38 193
Free-cash
40 557
40 617
28 730
45 319

Estimated living cost  is ₽38193 per week

₽24947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8965
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close