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
₽40655
₽58146
₽56581
₽54718
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
national
-
-
-
21 134
health
-
-
-
1 773
municipal
-
-
-
24 522
total
-
-
-
47 429
Employee
44 434
-
116 092
-
health
332
-
1 436
-
municipal
7 278
-
18 914
-
pensions
2 999
-
7 836
-
unemployment
667
-
1 742
-
national
734
-
13 087
-
total
12 010
-
43 015
-
Employer
44 434
-
116 092
-
accident
45
-
115
-
pensions
7 709
-
20 141
-
unemployment
288
-
755
-
health
341
-
894
-
total
8 383
-
21 905
-
Corporate
85 182
138 000
-
-
income
17 037
27 600
-
-
total
17 037
27 600
-
-
Dividends

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

51 109
82 800
-
-
national
2 364
8 353
-
-
municipal
9 200
14 904
-
-
total
11 564
23 257
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 994
50 857
64 920
47 429
After tax
89 006
87 143
73 080
90 571
Living cost
32 425
32 425
32 425
32 425
Free-cash
56 581
54 718
40 655
58 146

Estimated living cost  is ₽32425 per week

₽21180
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7611
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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