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
₽ 130000
per

Your estimated
City
free-cash

Helsinki , Finland
₽45708
₽46203
₽50523
₽32697
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

-
-
-
130 000
municipal
-
-
-
23 114
health
-
-
-
1 585
national
-
-
-
16 331
total
-
-
-
41 030
Employee
52 686
-
109 362
-
health
393
-
1 266
-
municipal
8 630
-
17 833
-
pensions
3 556
-
7 383
-
unemployment
791
-
1 640
-
national
870
-
10 096
-
total
14 240
-
38 218
-
Employer
52 686
-
109 362
-
accident
53
-
110
-
unemployment
342
-
711
-
pensions
9 141
-
18 975
-
health
405
-
842
-
total
9 941
-
20 638
-
Corporate
67 373
130 000
-
-
income
13 475
26 001
-
-
total
13 475
26 001
-
-
Dividends

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

40 423
78 000
-
-
national
418
5 804
-
-
municipal
7 276
14 040
-
-
total
7 694
19 844
-
-
Income
130 000
130 000
130 000
130 000
Total tax
45 350
45 845
58 856
41 030
After tax
84 650
84 155
71 144
88 970
Living cost
38 447
38 447
38 447
38 447
Free-cash
46 203
45 708
32 697
50 523

Estimated living cost  is ₽38447 per week

₽25113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3698
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽612
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.
₽9025
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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