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
₽37399
₽51435
₽56319
₽52905
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
-
-
-
1 724
national
-
-
-
18 409
municipal
-
-
-
24 530
total
-
-
-
44 663
Employee
50 729
-
116 094
-
municipal
8 309
-
18 923
-
national
838
-
11 790
-
pensions
3 423
-
7 837
-
health
379
-
1 385
-
unemployment
761
-
1 742
-
total
13 710
-
41 677
-
Employer
50 729
-
116 094
-
unemployment
329
-
754
-
health
390
-
895
-
accident
51
-
115
-
pensions
8 801
-
20 142
-
total
9 571
-
21 906
-
Corporate
77 700
138 000
-
-
income
15 540
27 600
-
-
total
15 540
27 600
-
-
Dividends

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

46 620
82 800
-
-
national
865
7 044
-
-
municipal
8 391
14 903
-
-
total
9 256
21 947
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 077
49 547
63 583
44 663
After tax
89 923
88 453
74 417
93 337
Living cost
37 018
37 018
37 018
37 018
Free-cash
52 905
51 435
37 399
56 319

Estimated living cost  is ₽37018 per week

₽24180
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3561
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
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.
₽8690
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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