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
₽53326
₽37694
₽51733
₽56617
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
-
-
-
1 728
municipal
-
-
-
24 529
national
-
-
-
18 526
total
-
-
-
44 783
Employee
50 155
-
116 094
-
unemployment
753
-
1 742
-
pensions
3 385
-
7 837
-
municipal
8 215
-
18 923
-
national
829
-
11 909
-
health
374
-
1 389
-
total
13 556
-
41 800
-
Employer
50 155
-
116 094
-
pensions
8 702
-
20 142
-
health
385
-
894
-
unemployment
326
-
754
-
accident
51
-
116
-
total
9 464
-
21 906
-
Corporate
78 382
138 000
-
-
income
15 677
27 601
-
-
total
15 677
27 601
-
-
Dividends

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

47 029
82 799
-
-
national
912
7 163
-
-
municipal
8 465
14 903
-
-
total
9 377
22 066
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 074
49 667
63 706
44 783
After tax
89 926
88 333
74 294
93 217
Living cost
36 600
36 600
36 600
36 600
Free-cash
53 326
51 733
37 694
56 617

Estimated living cost  is ₽36600 per week

₽23907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽8591
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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