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
₽38115
₽52157
₽56956
₽53865
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
-
-
-
1 733
national
-
-
-
18 778
municipal
-
-
-
24 528
total
-
-
-
45 039
Employee
49 341
-
116 094
-
municipal
8 082
-
18 922
-
national
815
-
12 077
-
pensions
3 330
-
7 836
-
health
368
-
1 397
-
unemployment
740
-
1 741
-
total
13 335
-
41 973
-
Employer
49 341
-
116 094
-
unemployment
320
-
755
-
health
379
-
893
-
accident
50
-
116
-
pensions
8 560
-
20 143
-
total
9 309
-
21 907
-
Corporate
79 350
138 000
-
-
income
15 869
27 599
-
-
total
15 869
27 599
-
-
Dividends

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

47 610
82 800
-
-
national
1 048
7 334
-
-
municipal
8 569
14 905
-
-
total
9 617
22 239
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 130
49 838
63 880
45 039
After tax
89 870
88 162
74 120
92 961
Living cost
36 005
36 005
36 005
36 005
Free-cash
53 865
52 157
38 115
56 956

Estimated living cost  is ₽36005 per week

₽23519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3463
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽573
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.
₽8452
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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