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
₽55935
₽52912
₽37450
₽51236
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
national
-
-
-
18 459
health
-
-
-
1 702
municipal
-
-
-
24 084
total
-
-
-
44 245
Employee
48 402
-
113 991
-
unemployment
726
-
1 709
-
municipal
7 928
-
18 579
-
national
800
-
11 868
-
pensions
3 266
-
7 694
-
health
361
-
1 372
-
total
13 081
-
41 222
-
Employer
48 402
-
113 991
-
pensions
8 397
-
19 777
-
health
372
-
878
-
accident
49
-
113
-
unemployment
314
-
740
-
total
9 132
-
21 508
-
Corporate
77 966
135 500
-
-
income
15 594
27 100
-
-
total
15 594
27 100
-
-
Dividends

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

46 779
81 300
-
-
municipal
8 420
14 634
-
-
national
1 041
7 210
-
-
total
9 461
21 844
-
-
Income
135 500
135 500
135 500
135 500
Total tax
47 268
48 944
62 730
44 245
After tax
88 232
86 556
72 770
91 255
Living cost
35 320
35 320
35 320
35 320
Free-cash
52 912
51 236
37 450
55 935

Estimated living cost  is ₽35320 per week

₽23071
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
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.
₽8291
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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