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
₽ 122000
per

Your estimated
City
free-cash

Helsinki , Finland
₽45783
₽29054
₽41017
₽41050
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

-
-
-
122 000
municipal
-
-
-
21 697
health
-
-
-
1 461
national
-
-
-
14 675
total
-
-
-
37 833
Employee
52 601
-
102 633
-
pensions
3 550
-
6 927
-
national
869
-
8 824
-
municipal
8 616
-
16 742
-
unemployment
789
-
1 539
-
health
393
-
1 163
-
total
14 217
-
35 195
-
Employer
52 601
-
102 633
-
pensions
9 126
-
17 806
-
accident
53
-
102
-
health
404
-
791
-
unemployment
342
-
668
-
total
9 925
-
19 367
-
Corporate
59 475
122 000
-
-
income
11 894
24 401
-
-
total
11 894
24 401
-
-
Dividends

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

35 685
73 199
-
-
municipal
6 424
13 177
-
-
national
139
4 988
-
-
total
6 563
18 165
-
-
Income
122 000
122 000
122 000
122 000
Total tax
42 599
42 566
54 562
37 833
After tax
79 401
79 434
67 438
84 167
Living cost
38 384
38 384
38 384
38 384
Free-cash
41 017
41 050
29 054
45 783

Estimated living cost  is ₽38384 per week

₽25073
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.
₽9010
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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