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
₽40826
₽58231
₽56769
₽54895
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
national
-
-
-
21 295
health
-
-
-
1 775
municipal
-
-
-
24 520
total
-
-
-
47 590
Employee
44 097
-
116 093
-
health
329
-
1 438
-
municipal
7 223
-
18 913
-
pensions
2 976
-
7 837
-
unemployment
662
-
1 742
-
national
728
-
13 158
-
total
11 918
-
43 088
-
Employer
44 097
-
116 093
-
accident
45
-
116
-
pensions
7 651
-
20 143
-
unemployment
286
-
754
-
health
339
-
894
-
total
8 321
-
21 907
-
Corporate
85 583
138 000
-
-
income
17 116
27 599
-
-
total
17 116
27 599
-
-
Dividends

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

51 350
82 800
-
-
national
2 454
8 423
-
-
municipal
9 243
14 904
-
-
total
11 697
23 327
-
-
Income
138 000
138 000
138 000
138 000
Total tax
49 052
50 926
64 995
47 590
After tax
88 948
87 074
73 005
90 410
Living cost
32 179
32 179
32 179
32 179
Free-cash
56 769
54 895
40 826
58 231

Estimated living cost  is ₽32179 per week

₽21019
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3095
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
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.
₽7554
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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