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
₽54114
₽40055
₽55941
₽57869
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
-
-
-
24 522
national
-
-
-
20 577
health
-
-
-
1 763
total
-
-
-
46 862
Employee
45 591
-
116 091
-
pensions
3 077
-
7 836
-
unemployment
684
-
1 741
-
national
753
-
12 849
-
municipal
7 467
-
18 916
-
health
340
-
1 426
-
total
12 321
-
42 768
-
Employer
45 591
-
116 091
-
unemployment
296
-
755
-
health
350
-
895
-
accident
46
-
117
-
pensions
7 910
-
20 141
-
total
8 602
-
21 908
-
Corporate
83 807
138 000
-
-
income
16 762
27 600
-
-
total
16 762
27 600
-
-
Dividends

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

50 284
82 800
-
-
national
2 054
8 113
-
-
municipal
9 051
14 904
-
-
total
11 105
23 017
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 790
50 617
64 676
46 862
After tax
89 210
87 383
73 324
91 138
Living cost
33 269
33 269
33 269
33 269
Free-cash
55 941
54 114
40 055
57 869

Estimated living cost  is ₽33269 per week

₽21731
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3200
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7809
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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