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
₽51893
₽36684
₽50465
₽55263
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
health
-
-
-
1 691
municipal
-
-
-
24 085
national
-
-
-
18 060
total
-
-
-
43 836
Employee
49 883
-
113 990
-
unemployment
748
-
1 709
-
pensions
3 366
-
7 694
-
municipal
8 170
-
18 581
-
national
824
-
11 562
-
health
372
-
1 360
-
total
13 480
-
40 906
-
Employer
49 883
-
113 990
-
pensions
8 654
-
19 777
-
health
383
-
878
-
unemployment
324
-
741
-
accident
50
-
113
-
total
9 411
-
21 509
-
Corporate
76 205
135 500
-
-
income
15 241
27 100
-
-
total
15 241
27 100
-
-
Dividends

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

45 723
81 300
-
-
national
844
6 901
-
-
municipal
8 230
14 633
-
-
total
9 074
21 534
-
-
Income
135 500
135 500
135 500
135 500
Total tax
47 206
48 634
62 415
43 836
After tax
88 294
86 866
73 085
91 664
Living cost
36 401
36 401
36 401
36 401
Free-cash
51 893
50 465
36 684
55 263

Estimated living cost  is ₽36401 per week

₽23777
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3501
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽8545
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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