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
₽40898
₽58265
₽56847
₽54966
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
-
-
-
21 362
health
-
-
-
1 776
municipal
-
-
-
24 520
total
-
-
-
47 658
Employee
43 958
-
116 093
-
health
328
-
1 440
-
municipal
7 200
-
18 914
-
pensions
2 967
-
7 836
-
unemployment
660
-
1 741
-
national
726
-
13 186
-
total
11 881
-
43 117
-
Employer
43 958
-
116 093
-
accident
44
-
116
-
pensions
7 626
-
20 143
-
unemployment
285
-
755
-
health
338
-
894
-
total
8 293
-
21 908
-
Corporate
85 749
138 000
-
-
income
17 149
27 599
-
-
total
17 149
27 599
-
-
Dividends

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

51 450
82 801
-
-
national
2 492
8 454
-
-
municipal
9 261
14 904
-
-
total
11 753
23 358
-
-
Income
138 000
138 000
138 000
138 000
Total tax
49 076
50 957
65 025
47 658
After tax
88 924
87 043
72 975
90 342
Living cost
32 077
32 077
32 077
32 077
Free-cash
56 847
54 966
40 898
58 265

Estimated living cost  is ₽32077 per week

₽20953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3085
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7530
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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