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
₽53338
₽37702
₽51739
₽56623
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
-
-
-
1 727
municipal
-
-
-
24 529
national
-
-
-
18 529
total
-
-
-
44 785
Employee
50 144
-
116 093
-
unemployment
752
-
1 742
-
pensions
3 384
-
7 837
-
municipal
8 213
-
18 922
-
national
828
-
11 910
-
health
374
-
1 391
-
total
13 551
-
41 802
-
Employer
50 144
-
116 093
-
pensions
8 700
-
20 141
-
health
385
-
893
-
unemployment
326
-
754
-
accident
51
-
116
-
total
9 462
-
21 904
-
Corporate
78 395
138 000
-
-
income
15 679
27 600
-
-
total
15 679
27 600
-
-
Dividends

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

47 036
82 800
-
-
national
912
7 166
-
-
municipal
8 466
14 903
-
-
total
9 378
22 069
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 070
49 669
63 706
44 785
After tax
89 930
88 331
74 294
93 215
Living cost
36 592
36 592
36 592
36 592
Free-cash
53 338
51 739
37 702
56 623

Estimated living cost  is ₽36592 per week

₽23902
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.
₽582
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.
₽8589
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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