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
₽ 132000
per

Your estimated
City
free-cash

Helsinki , Finland
₽46437
₽46943
₽51323
₽33225
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

-
-
-
132 000
municipal
-
-
-
23 470
health
-
-
-
1 608
national
-
-
-
16 590
total
-
-
-
41 668
Employee
53 457
-
111 047
-
health
399
-
1 286
-
municipal
8 756
-
18 107
-
pensions
3 608
-
7 495
-
unemployment
802
-
1 666
-
national
883
-
10 259
-
total
14 448
-
38 813
-
Employer
53 457
-
111 047
-
accident
54
-
112
-
unemployment
347
-
721
-
pensions
9 275
-
19 266
-
health
411
-
854
-
total
10 087
-
20 953
-
Corporate
68 457
132 000
-
-
income
13 692
26 401
-
-
total
13 692
26 401
-
-
Dividends

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

41 073
79 200
-
-
national
428
5 898
-
-
municipal
7 393
14 255
-
-
total
7 821
20 153
-
-
Income
132 000
132 000
132 000
132 000
Total tax
46 048
46 554
59 766
41 668
After tax
85 952
85 446
72 234
90 332
Living cost
39 009
39 009
39 009
39 009
Free-cash
46 943
46 437
33 225
51 323

Estimated living cost  is ₽39009 per week

₽25481
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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