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
₽54376
₽38596
₽52640
₽57180
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
-
-
-
1 741
municipal
-
-
-
24 527
national
-
-
-
19 222
total
-
-
-
45 490
Employee
48 416
-
116 094
-
unemployment
726
-
1 741
-
pensions
3 267
-
7 836
-
municipal
7 930
-
18 920
-
national
800
-
12 268
-
health
361
-
1 404
-
total
13 084
-
42 169
-
Employer
48 416
-
116 094
-
pensions
8 400
-
20 142
-
health
372
-
894
-
unemployment
314
-
754
-
accident
49
-
115
-
total
9 135
-
21 905
-
Corporate
80 449
138 000
-
-
income
16 091
27 601
-
-
total
16 091
27 601
-
-
Dividends

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

48 269
82 799
-
-
national
1 296
7 526
-
-
municipal
8 688
14 903
-
-
total
9 984
22 429
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 294
50 030
64 074
45 490
After tax
89 706
87 970
73 926
92 510
Living cost
35 330
35 330
35 330
35 330
Free-cash
54 376
52 640
38 596
57 180

Estimated living cost  is ₽35330 per week

₽23078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
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.
₽8293
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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