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
₽ 135500
per

Your estimated
City
free-cash

Helsinki , Finland
₽51620
₽50273
₽36495
₽55074
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

-
-
-
135 500
municipal
-
-
-
24 086
national
-
-
-
17 985
health
-
-
-
1 687
total
-
-
-
43 758
Employee
50 249
-
113 990
-
national
830
-
11 485
-
unemployment
754
-
1 709
-
health
375
-
1 358
-
municipal
8 230
-
18 581
-
pensions
3 391
-
7 694
-
total
13 580
-
40 827
-
Employer
50 249
-
113 990
-
accident
51
-
114
-
pensions
8 718
-
19 778
-
unemployment
326
-
741
-
health
386
-
877
-
total
9 481
-
21 510
-
Corporate
75 770
135 500
-
-
income
15 154
27 100
-
-
total
15 154
27 100
-
-
Dividends

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

45 462
81 300
-
-
municipal
8 183
14 634
-
-
national
814
6 825
-
-
total
8 997
21 459
-
-
Income
135 500
135 500
135 500
135 500
Total tax
47 212
48 559
62 337
43 758
After tax
88 288
86 941
73 163
91 742
Living cost
36 668
36 668
36 668
36 668
Free-cash
51 620
50 273
36 495
55 074

Estimated living cost  is ₽36668 per week

₽23952
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8607
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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