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
₽40760
₽58198
₽56695
₽54826
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
-
-
-
21 234
health
-
-
-
1 774
municipal
-
-
-
24 521
total
-
-
-
47 529
Employee
44 226
-
116 093
-
health
330
-
1 437
-
municipal
7 244
-
18 914
-
pensions
2 985
-
7 836
-
unemployment
664
-
1 742
-
national
731
-
13 131
-
total
11 954
-
43 060
-
Employer
44 226
-
116 093
-
accident
45
-
116
-
pensions
7 673
-
20 143
-
unemployment
287
-
755
-
health
340
-
893
-
total
8 345
-
21 907
-
Corporate
85 430
138 000
-
-
income
17 086
27 600
-
-
total
17 086
27 600
-
-
Dividends

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

51 258
82 800
-
-
national
2 420
8 397
-
-
municipal
9 227
14 904
-
-
total
11 647
23 301
-
-
Income
138 000
138 000
138 000
138 000
Total tax
49 032
50 901
64 967
47 529
After tax
88 968
87 099
73 033
90 471
Living cost
32 273
32 273
32 273
32 273
Free-cash
56 695
54 826
40 760
58 198

Estimated living cost  is ₽32273 per week

₽21081
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3104
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
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.
₽7576
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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