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
₽ 138000
per

Your estimated
City
free-cash

Helsinki , Finland
₽53584
₽39526
₽55379
₽57619
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

-
-
-
138 000
municipal
-
-
-
24 525
national
-
-
-
20 089
health
-
-
-
1 755
total
-
-
-
46 369
Employee
46 609
-
116 093
-
pensions
3 145
-
7 836
-
unemployment
699
-
1 742
-
national
770
-
12 640
-
municipal
7 634
-
18 918
-
health
348
-
1 419
-
total
12 596
-
42 555
-
Employer
46 609
-
116 093
-
unemployment
303
-
755
-
health
358
-
894
-
accident
47
-
116
-
pensions
8 086
-
20 142
-
total
8 794
-
21 907
-
Corporate
82 597
138 000
-
-
income
16 519
27 600
-
-
total
16 519
27 600
-
-
Dividends

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

49 558
82 800
-
-
national
1 780
7 901
-
-
municipal
8 920
14 903
-
-
total
10 700
22 804
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 609
50 404
64 462
46 369
After tax
89 391
87 596
73 538
91 631
Living cost
34 012
34 012
34 012
34 012
Free-cash
55 379
53 584
39 526
57 619

Estimated living cost  is ₽34012 per week

₽22217
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽7984
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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