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
₽53547
₽39494
₽55339
₽57604
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
-
-
-
24 524
national
-
-
-
20 058
health
-
-
-
1 754
total
-
-
-
46 336
Employee
46 674
-
116 094
-
pensions
3 150
-
7 837
-
unemployment
700
-
1 741
-
national
771
-
12 626
-
municipal
7 645
-
18 918
-
health
348
-
1 418
-
total
12 614
-
42 540
-
Employer
46 674
-
116 094
-
unemployment
303
-
754
-
health
359
-
894
-
accident
47
-
116
-
pensions
8 098
-
20 142
-
total
8 807
-
21 906
-
Corporate
82 519
138 000
-
-
income
16 504
27 600
-
-
total
16 504
27 600
-
-
Dividends

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

49 512
82 800
-
-
national
1 763
7 889
-
-
municipal
8 913
14 904
-
-
total
10 676
22 793
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 601
50 393
64 446
46 336
After tax
89 399
87 607
73 554
91 664
Living cost
34 060
34 060
34 060
34 060
Free-cash
55 339
53 547
39 494
57 604

Estimated living cost  is ₽34060 per week

₽22248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3276
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽7995
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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