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
₽54496
₽52754
₽38708
₽57232
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
-
-
-
24 526
national
-
-
-
19 327
health
-
-
-
1 744
total
-
-
-
45 597
Employee
48 198
-
116 094
-
national
796
-
12 311
-
unemployment
723
-
1 742
-
health
360
-
1 405
-
municipal
7 894
-
18 920
-
pensions
3 253
-
7 837
-
total
13 026
-
42 215
-
Employer
48 198
-
116 094
-
accident
49
-
116
-
pensions
8 362
-
20 142
-
unemployment
313
-
754
-
health
370
-
894
-
total
9 094
-
21 906
-
Corporate
80 708
138 000
-
-
income
16 142
27 600
-
-
total
16 142
27 600
-
-
Dividends

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

48 425
82 800
-
-
municipal
8 717
14 904
-
-
national
1 354
7 571
-
-
total
10 071
22 475
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 333
50 075
64 121
45 597
After tax
89 667
87 925
73 879
92 403
Living cost
35 171
35 171
35 171
35 171
Free-cash
54 496
52 754
38 708
57 232

Estimated living cost  is ₽35171 per week

₽22974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽8256
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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