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
₽53421
₽51796
₽37760
₽56681
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
-
-
-
24 529
national
-
-
-
18 551
health
-
-
-
1 729
total
-
-
-
44 809
Employee
50 033
-
116 095
-
national
827
-
11 934
-
unemployment
751
-
1 741
-
health
374
-
1 391
-
municipal
8 195
-
18 924
-
pensions
3 376
-
7 836
-
total
13 523
-
41 826
-
Employer
50 033
-
116 095
-
accident
51
-
115
-
pensions
8 680
-
20 142
-
unemployment
325
-
754
-
health
384
-
893
-
total
9 440
-
21 904
-
Corporate
78 527
138 000
-
-
income
15 706
27 600
-
-
total
15 706
27 600
-
-
Dividends

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

47 116
82 800
-
-
municipal
8 480
14 905
-
-
national
920
7 189
-
-
total
9 400
22 094
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 069
49 694
63 730
44 809
After tax
89 931
88 306
74 270
93 191
Living cost
36 510
36 510
36 510
36 510
Free-cash
53 421
51 796
37 760
56 681

Estimated living cost  is ₽36510 per week

₽23848
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽8570
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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