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
₽54693
₽52940
₽38891
₽57319
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
-
-
-
24 526
national
-
-
-
19 498
health
-
-
-
1 746
total
-
-
-
45 770
Employee
47 841
-
116 093
-
national
790
-
12 386
-
unemployment
718
-
1 741
-
health
357
-
1 408
-
municipal
7 836
-
18 920
-
pensions
3 229
-
7 836
-
total
12 930
-
42 291
-
Employer
47 841
-
116 093
-
accident
48
-
116
-
pensions
8 300
-
20 143
-
unemployment
311
-
754
-
health
368
-
894
-
total
9 027
-
21 907
-
Corporate
81 132
138 000
-
-
income
16 226
27 599
-
-
total
16 226
27 599
-
-
Dividends

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

48 680
82 800
-
-
municipal
8 763
14 904
-
-
national
1 450
7 646
-
-
total
10 213
22 550
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 396
50 149
64 198
45 770
After tax
89 604
87 851
73 802
92 230
Living cost
34 911
34 911
34 911
34 911
Free-cash
54 693
52 940
38 891
57 319

Estimated living cost  is ₽34911 per week

₽22804
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
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.
₽8195
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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