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
₽40222
₽54285
₽57946
₽56120
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
-
-
-
1 767
municipal
-
-
-
24 522
national
-
-
-
20 735
total
-
-
-
47 024
Employee
45 264
-
116 093
-
unemployment
679
-
1 742
-
municipal
7 414
-
18 916
-
pensions
3 055
-
7 837
-
health
338
-
1 429
-
national
748
-
12 917
-
total
12 234
-
42 841
-
Employer
45 264
-
116 093
-
accident
46
-
116
-
health
348
-
895
-
unemployment
294
-
754
-
pensions
7 853
-
20 142
-
total
8 541
-
21 907
-
Corporate
84 196
138 000
-
-
income
16 839
27 600
-
-
total
16 839
27 600
-
-
Dividends

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

50 518
82 800
-
-
municipal
9 094
14 904
-
-
national
2 142
8 181
-
-
total
11 236
23 085
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 850
50 685
64 748
47 024
After tax
89 150
87 315
73 252
90 976
Living cost
33 030
33 030
33 030
33 030
Free-cash
56 120
54 285
40 222
57 946

Estimated living cost  is ₽33030 per week

₽21575
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3177
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽7753
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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