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
₽57583
₽55294
₽39451
₽53503
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
national
-
-
-
20 016
municipal
-
-
-
24 524
health
-
-
-
1 754
total
-
-
-
46 294
Employee
46 761
-
116 094
-
pensions
3 156
-
7 836
-
health
349
-
1 417
-
municipal
7 659
-
18 917
-
unemployment
702
-
1 741
-
national
772
-
12 609
-
total
12 638
-
42 520
-
Employer
46 761
-
116 094
-
pensions
8 113
-
20 142
-
health
359
-
894
-
unemployment
304
-
754
-
accident
47
-
116
-
total
8 823
-
21 906
-
Corporate
82 416
138 000
-
-
income
16 483
27 600
-
-
total
16 483
27 600
-
-
Dividends

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

49 450
82 800
-
-
municipal
8 900
14 905
-
-
national
1 739
7 869
-
-
total
10 639
22 774
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 583
50 374
64 426
46 294
After tax
89 417
87 626
73 574
91 706
Living cost
34 123
34 123
34 123
34 123
Free-cash
55 294
53 503
39 451
57 583

Estimated living cost  is ₽34123 per week

₽22289
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3282
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
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.
₽8010
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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