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
₽54099
₽52380
₽38336
₽57058
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
-
-
-
24 528
national
-
-
-
18 981
health
-
-
-
1 738
total
-
-
-
45 247
Employee
48 915
-
116 092
-
national
808
-
12 165
-
unemployment
734
-
1 741
-
health
365
-
1 399
-
municipal
8 012
-
18 921
-
pensions
3 301
-
7 835
-
total
13 220
-
42 061
-
Employer
48 915
-
116 092
-
accident
49
-
116
-
pensions
8 487
-
20 142
-
unemployment
318
-
755
-
health
376
-
895
-
total
9 230
-
21 908
-
Corporate
79 855
138 000
-
-
income
15 971
27 600
-
-
total
15 971
27 600
-
-
Dividends

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

47 913
82 800
-
-
municipal
8 624
14 903
-
-
national
1 161
7 422
-
-
total
9 785
22 325
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 206
49 925
63 969
45 247
After tax
89 794
88 075
74 031
92 753
Living cost
35 695
35 695
35 695
35 695
Free-cash
54 099
52 380
38 336
57 058

Estimated living cost  is ₽35695 per week

₽23316
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
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.
₽8379
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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