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
₽54203
₽52479
₽38435
₽57106
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
-
-
-
19 073
health
-
-
-
1 738
total
-
-
-
45 337
Employee
48 726
-
116 092
-
national
805
-
12 202
-
unemployment
731
-
1 742
-
health
364
-
1 401
-
municipal
7 981
-
18 920
-
pensions
3 288
-
7 837
-
total
13 169
-
42 102
-
Employer
48 726
-
116 092
-
accident
49
-
116
-
pensions
8 454
-
20 141
-
unemployment
316
-
754
-
health
374
-
895
-
total
9 193
-
21 906
-
Corporate
80 080
138 000
-
-
income
16 016
27 600
-
-
total
16 016
27 600
-
-
Dividends

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

48 048
82 800
-
-
municipal
8 649
14 904
-
-
national
1 213
7 460
-
-
total
9 862
22 364
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 240
49 964
64 008
45 337
After tax
89 760
88 036
73 992
92 663
Living cost
35 557
35 557
35 557
35 557
Free-cash
54 203
52 479
38 435
57 106

Estimated living cost  is ₽35557 per week

₽23226
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
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.
₽8347
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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