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
₽57063
₽52391
₽54112
₽38349
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
-
-
-
1 737
municipal
-
-
-
24 528
national
-
-
-
18 995
total
-
-
-
45 260
Employee
48 891
-
116 093
-
health
365
-
1 400
-
pensions
3 299
-
7 837
-
unemployment
734
-
1 741
-
national
808
-
12 169
-
municipal
8 008
-
18 920
-
total
13 214
-
42 067
-
Employer
48 891
-
116 093
-
health
376
-
894
-
accident
49
-
116
-
pensions
8 482
-
20 142
-
unemployment
317
-
755
-
total
9 224
-
21 907
-
Corporate
79 885
138 000
-
-
income
15 977
27 600
-
-
total
15 977
27 600
-
-
Dividends

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

47 931
82 800
-
-
national
1 169
7 427
-
-
municipal
8 627
14 905
-
-
total
9 796
22 332
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 211
49 932
63 974
45 260
After tax
89 789
88 068
74 026
92 740
Living cost
35 677
35 677
35 677
35 677
Free-cash
54 112
52 391
38 349
57 063

Estimated living cost  is ₽35677 per week

₽23304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3432
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
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.
₽8375
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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