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
₽40393
₽58027
₽56301
₽54454
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
-
-
-
20 891
health
-
-
-
1 768
municipal
-
-
-
24 521
total
-
-
-
47 180
Employee
44 938
-
116 092
-
health
336
-
1 431
-
municipal
7 361
-
18 916
-
pensions
3 033
-
7 835
-
unemployment
674
-
1 741
-
national
742
-
12 985
-
total
12 146
-
42 908
-
Employer
44 938
-
116 092
-
accident
45
-
117
-
pensions
7 797
-
20 141
-
unemployment
292
-
755
-
health
345
-
893
-
total
8 479
-
21 906
-
Corporate
84 583
138 000
-
-
income
16 917
27 601
-
-
total
16 917
27 601
-
-
Dividends

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

50 749
82 799
-
-
national
2 229
8 248
-
-
municipal
9 135
14 904
-
-
total
11 364
23 152
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 906
50 753
64 814
47 180
After tax
89 094
87 247
73 186
90 820
Living cost
32 793
32 793
32 793
32 793
Free-cash
56 301
54 454
40 393
58 027

Estimated living cost  is ₽32793 per week

₽21420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽7698
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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