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
₽54830
₽53067
₽39018
₽57378
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
-
-
-
19 617
health
-
-
-
1 748
total
-
-
-
45 891
Employee
47 594
-
116 092
-
national
786
-
12 437
-
unemployment
714
-
1 741
-
health
355
-
1 409
-
municipal
7 795
-
18 919
-
pensions
3 212
-
7 837
-
total
12 862
-
42 343
-
Employer
47 594
-
116 092
-
accident
48
-
117
-
pensions
8 257
-
20 142
-
unemployment
309
-
755
-
health
366
-
894
-
total
8 980
-
21 908
-
Corporate
81 426
138 000
-
-
income
16 286
27 601
-
-
total
16 286
27 601
-
-
Dividends

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

48 855
82 799
-
-
municipal
8 795
14 904
-
-
national
1 516
7 697
-
-
total
10 311
22 601
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 439
50 202
64 251
45 891
After tax
89 561
87 798
73 749
92 109
Living cost
34 731
34 731
34 731
34 731
Free-cash
54 830
53 067
39 018
57 378

Estimated living cost  is ₽34731 per week

₽22686
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3341
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽8152
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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