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
₽53737
₽39682
₽55540
₽57691
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
-
-
-
20 232
health
-
-
-
1 757
total
-
-
-
46 513
Employee
46 313
-
116 093
-
pensions
3 125
-
7 836
-
unemployment
695
-
1 741
-
national
765
-
12 700
-
municipal
7 586
-
18 918
-
health
346
-
1 420
-
total
12 517
-
42 615
-
Employer
46 313
-
116 093
-
unemployment
301
-
755
-
health
356
-
894
-
accident
47
-
115
-
pensions
8 035
-
20 143
-
total
8 739
-
21 907
-
Corporate
82 949
138 000
-
-
income
16 590
27 600
-
-
total
16 590
27 600
-
-
Dividends

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

49 769
82 800
-
-
national
1 859
7 963
-
-
municipal
8 959
14 904
-
-
total
10 818
22 867
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 664
50 467
64 522
46 513
After tax
89 336
87 533
73 478
91 487
Living cost
33 796
33 796
33 796
33 796
Free-cash
55 540
53 737
39 682
57 691

Estimated living cost  is ₽33796 per week

₽22075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7933
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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