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
₽50984
₽36953
₽52265
₽55876
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
health
-
-
-
1 716
national
-
-
-
18 230
municipal
-
-
-
24 531
total
-
-
-
44 477
Employee
51 590
-
116 094
-
national
852
-
11 613
-
unemployment
774
-
1 742
-
municipal
8 450
-
18 925
-
pensions
3 482
-
7 836
-
health
385
-
1 379
-
total
13 943
-
41 495
-
Employer
51 590
-
116 094
-
unemployment
335
-
755
-
pensions
8 951
-
20 142
-
accident
52
-
115
-
health
396
-
893
-
total
9 734
-
21 905
-
Corporate
76 676
138 000
-
-
income
15 335
27 600
-
-
total
15 335
27 600
-
-
Dividends

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

46 005
82 800
-
-
municipal
8 281
14 903
-
-
national
795
6 866
-
-
total
9 076
21 769
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 088
49 369
63 400
44 477
After tax
89 912
88 631
74 600
93 523
Living cost
37 647
37 647
37 647
37 647
Free-cash
52 265
50 984
36 953
55 876

Estimated living cost  is ₽37647 per week

₽24591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3621
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
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.
₽8837
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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