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
₽53712
₽37977
₽52015
₽56889
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
-
-
-
1 732
municipal
-
-
-
24 528
national
-
-
-
18 648
total
-
-
-
44 908
Employee
49 612
-
116 092
-
unemployment
744
-
1 741
-
pensions
3 348
-
7 836
-
municipal
8 126
-
18 922
-
national
820
-
12 019
-
health
370
-
1 394
-
total
13 408
-
41 912
-
Employer
49 612
-
116 092
-
pensions
8 607
-
20 142
-
health
381
-
895
-
unemployment
322
-
755
-
accident
50
-
116
-
total
9 360
-
21 908
-
Corporate
79 028
138 000
-
-
income
15 806
27 601
-
-
total
15 806
27 601
-
-
Dividends

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

47 416
82 799
-
-
national
975
7 277
-
-
municipal
8 536
14 904
-
-
total
9 511
22 181
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 085
49 782
63 820
44 908
After tax
89 915
88 218
74 180
93 092
Living cost
36 203
36 203
36 203
36 203
Free-cash
53 712
52 015
37 977
56 889

Estimated living cost  is ₽36203 per week

₽23648
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
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.
₽8498
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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