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
₽57556
₽55233
₽39393
₽53447
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
-
-
-
19 964
municipal
-
-
-
24 525
health
-
-
-
1 753
total
-
-
-
46 242
Employee
46 869
-
116 092
-
pensions
3 163
-
7 836
-
health
350
-
1 417
-
municipal
7 677
-
18 917
-
unemployment
703
-
1 741
-
national
774
-
12 586
-
total
12 667
-
42 497
-
Employer
46 869
-
116 092
-
pensions
8 132
-
20 143
-
health
360
-
894
-
unemployment
304
-
754
-
accident
47
-
117
-
total
8 843
-
21 908
-
Corporate
82 288
138 000
-
-
income
16 457
27 600
-
-
total
16 457
27 600
-
-
Dividends

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

49 373
82 800
-
-
municipal
8 887
14 904
-
-
national
1 711
7 847
-
-
total
10 598
22 751
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 565
50 351
64 405
46 242
After tax
89 435
87 649
73 595
91 758
Living cost
34 202
34 202
34 202
34 202
Free-cash
55 233
53 447
39 393
57 556

Estimated living cost  is ₽34202 per week

₽22341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽8028
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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