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
₽57530
₽55172
₽39336
₽53388
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
-
-
-
19 912
municipal
-
-
-
24 524
health
-
-
-
1 752
total
-
-
-
46 188
Employee
46 979
-
116 092
-
pensions
3 170
-
7 837
-
health
351
-
1 415
-
municipal
7 695
-
18 917
-
unemployment
705
-
1 742
-
national
776
-
12 563
-
total
12 697
-
42 474
-
Employer
46 979
-
116 092
-
pensions
8 151
-
20 142
-
health
361
-
895
-
unemployment
305
-
754
-
accident
47
-
117
-
total
8 864
-
21 908
-
Corporate
82 157
138 000
-
-
income
16 432
27 600
-
-
total
16 432
27 600
-
-
Dividends

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

49 294
82 800
-
-
municipal
8 872
14 905
-
-
national
1 681
7 825
-
-
total
10 553
22 730
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 546
50 330
64 382
46 188
After tax
89 454
87 670
73 618
91 812
Living cost
34 282
34 282
34 282
34 282
Free-cash
55 172
53 388
39 336
57 530

Estimated living cost  is ₽34282 per week

₽22393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3297
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽8047
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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