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
₽54515
₽52773
₽38727
₽57243
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
-
-
-
19 345
health
-
-
-
1 742
total
-
-
-
45 613
Employee
48 161
-
116 093
-
national
796
-
12 319
-
unemployment
723
-
1 741
-
health
360
-
1 405
-
municipal
7 888
-
18 921
-
pensions
3 250
-
7 836
-
total
13 017
-
42 222
-
Employer
48 161
-
116 093
-
accident
49
-
116
-
pensions
8 356
-
20 142
-
unemployment
313
-
754
-
health
370
-
895
-
total
9 088
-
21 907
-
Corporate
80 753
138 000
-
-
income
16 150
27 599
-
-
total
16 150
27 599
-
-
Dividends

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

48 452
82 800
-
-
municipal
8 722
14 905
-
-
national
1 364
7 579
-
-
total
10 086
22 484
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 341
50 083
64 129
45 613
After tax
89 659
87 917
73 871
92 387
Living cost
35 144
35 144
35 144
35 144
Free-cash
54 515
52 773
38 727
57 243

Estimated living cost  is ₽35144 per week

₽22956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8250
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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