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
₽54311
₽38535
₽52581
₽57152
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
-
-
-
1 740
municipal
-
-
-
24 528
national
-
-
-
19 166
total
-
-
-
45 434
Employee
48 531
-
116 093
-
unemployment
728
-
1 742
-
pensions
3 275
-
7 837
-
municipal
7 949
-
18 921
-
national
802
-
12 242
-
health
362
-
1 402
-
total
13 116
-
42 144
-
Employer
48 531
-
116 093
-
pensions
8 420
-
20 143
-
health
373
-
894
-
unemployment
315
-
754
-
accident
49
-
116
-
total
9 157
-
21 907
-
Corporate
80 313
138 000
-
-
income
16 062
27 600
-
-
total
16 062
27 600
-
-
Dividends

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

48 188
82 800
-
-
national
1 266
7 502
-
-
municipal
8 674
14 903
-
-
total
9 940
22 405
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 275
50 005
64 051
45 434
After tax
89 725
87 995
73 949
92 566
Living cost
35 414
35 414
35 414
35 414
Free-cash
54 311
52 581
38 535
57 152

Estimated living cost  is ₽35414 per week

₽23132
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3406
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽564
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.
₽8313
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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