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
₽ 128000
per

Your estimated
City
free-cash

Helsinki , Finland
₽44081
₽44320
₽48931
₽31378
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

-
-
-
128 000
municipal
-
-
-
22 761
health
-
-
-
1 546
national
-
-
-
15 754
total
-
-
-
40 061
Employee
53 456
-
107 680
-
health
399
-
1 234
-
municipal
8 756
-
17 561
-
pensions
3 608
-
7 269
-
unemployment
802
-
1 616
-
national
883
-
9 615
-
total
14 448
-
37 295
-
Employer
53 456
-
107 680
-
accident
54
-
108
-
unemployment
347
-
700
-
pensions
9 274
-
18 682
-
health
411
-
829
-
total
10 086
-
20 319
-
Corporate
64 458
128 000
-
-
income
12 891
25 600
-
-
total
12 891
25 600
-
-
Dividends

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

38 675
76 800
-
-
national
285
5 486
-
-
municipal
6 962
13 825
-
-
total
7 247
19 311
-
-
Income
128 000
128 000
128 000
128 000
Total tax
44 672
44 911
57 614
40 061
After tax
83 328
83 089
70 386
87 939
Living cost
39 008
39 008
39 008
39 008
Free-cash
44 320
44 081
31 378
48 931

Estimated living cost  is ₽39008 per week

₽25480
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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