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
₽37707
₽51742
₽56628
₽53344
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
health
-
-
-
1 727
national
-
-
-
18 532
municipal
-
-
-
24 528
total
-
-
-
44 787
Employee
50 135
-
116 094
-
municipal
8 212
-
18 923
-
national
828
-
11 913
-
pensions
3 383
-
7 836
-
health
374
-
1 391
-
unemployment
752
-
1 741
-
total
13 549
-
41 804
-
Employer
50 135
-
116 094
-
unemployment
326
-
754
-
health
385
-
893
-
accident
51
-
116
-
pensions
8 698
-
20 141
-
total
9 460
-
21 904
-
Corporate
78 405
138 000
-
-
income
15 680
27 601
-
-
total
15 680
27 601
-
-
Dividends

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

47 044
82 799
-
-
national
913
7 168
-
-
municipal
8 469
14 904
-
-
total
9 382
22 072
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 071
49 673
63 708
44 787
After tax
89 929
88 327
74 292
93 213
Living cost
36 585
36 585
36 585
36 585
Free-cash
53 344
51 742
37 707
56 628

Estimated living cost  is ₽36585 per week

₽23897
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
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.
₽8588
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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