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
₽56769
₽51886
₽53546
₽37846
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
health
-
-
-
1 730
municipal
-
-
-
24 528
national
-
-
-
18 587
total
-
-
-
44 845
Employee
49 863
-
116 092
-
health
372
-
1 392
-
pensions
3 365
-
7 836
-
unemployment
748
-
1 741
-
national
824
-
11 969
-
municipal
8 167
-
18 922
-
total
13 476
-
41 860
-
Employer
49 863
-
116 092
-
health
383
-
894
-
accident
50
-
117
-
pensions
8 651
-
20 142
-
unemployment
324
-
755
-
total
9 408
-
21 908
-
Corporate
78 729
138 000
-
-
income
15 746
27 600
-
-
total
15 746
27 600
-
-
Dividends

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

47 238
82 800
-
-
national
935
7 224
-
-
municipal
8 503
14 904
-
-
total
9 438
22 128
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 068
49 728
63 768
44 845
After tax
89 932
88 272
74 232
93 155
Living cost
36 386
36 386
36 386
36 386
Free-cash
53 546
51 886
37 846
56 769

Estimated living cost  is ₽36386 per week

₽23767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3500
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽8541
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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