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
₽54848
₽53084
₽39036
₽57389
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
-
-
-
19 631
health
-
-
-
1 748
total
-
-
-
45 904
Employee
47 562
-
116 093
-
national
786
-
12 442
-
unemployment
714
-
1 741
-
health
355
-
1 410
-
municipal
7 790
-
18 919
-
pensions
3 210
-
7 837
-
total
12 855
-
42 349
-
Employer
47 562
-
116 093
-
accident
48
-
117
-
pensions
8 252
-
20 142
-
unemployment
309
-
755
-
health
365
-
894
-
total
8 974
-
21 908
-
Corporate
81 464
138 000
-
-
income
16 292
27 600
-
-
total
16 292
27 600
-
-
Dividends

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

48 879
82 800
-
-
municipal
8 799
14 905
-
-
national
1 525
7 704
-
-
total
10 324
22 609
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 445
50 209
64 257
45 904
After tax
89 555
87 791
73 743
92 096
Living cost
34 708
34 708
34 708
34 708
Free-cash
54 848
53 084
39 036
57 389

Estimated living cost  is ₽34708 per week

₽22671
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
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.
₽8147
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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