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
₽ 123000
per

Your estimated
City
free-cash

Helsinki , Finland
₽41496
₽41492
₽46253
₽29390
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

-
-
-
123 000
municipal
-
-
-
21 875
health
-
-
-
1 475
national
-
-
-
14 833
total
-
-
-
38 183
Employee
52 847
-
103 475
-
health
395
-
1 174
-
municipal
8 656
-
16 877
-
pensions
3 566
-
6 984
-
unemployment
793
-
1 552
-
national
873
-
8 934
-
total
14 283
-
35 521
-
Employer
52 847
-
103 475
-
accident
53
-
103
-
unemployment
343
-
673
-
pensions
9 169
-
17 952
-
health
406
-
797
-
total
9 971
-
19 525
-
Corporate
60 182
123 000
-
-
income
12 036
24 599
-
-
total
12 036
24 599
-
-
Dividends

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

36 109
73 801
-
-
national
154
5 057
-
-
municipal
6 500
13 284
-
-
total
6 654
18 341
-
-
Income
123 000
123 000
123 000
123 000
Total tax
42 944
42 940
55 046
38 183
After tax
80 056
80 060
67 954
84 817
Living cost
38 564
38 564
38 564
38 564
Free-cash
41 492
41 496
29 390
46 253

Estimated living cost  is ₽38564 per week

₽25190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9052
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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