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
₽50704
₽36676
₽55598
₽51865
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
-
-
-
1 711
municipal
-
-
-
24 532
national
-
-
-
18 121
total
-
-
-
44 364
Employee
52 126
-
116 094
-
municipal
8 538
-
18 926
-
unemployment
782
-
1 741
-
pensions
3 518
-
7 837
-
national
861
-
11 502
-
health
389
-
1 374
-
total
14 088
-
41 380
-
Employer
52 126
-
116 094
-
health
400
-
893
-
pensions
9 044
-
20 142
-
accident
53
-
117
-
unemployment
338
-
754
-
total
9 835
-
21 906
-
Corporate
76 039
138 000
-
-
income
15 209
27 601
-
-
total
15 209
27 601
-
-
Dividends

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

45 623
82 799
-
-
municipal
8 213
14 904
-
-
national
752
6 753
-
-
total
8 965
21 657
-
-
Income
138 000
138 000
138 000
138 000
Total tax
48 097
49 258
63 286
44 364
After tax
89 903
88 742
74 714
93 636
Living cost
38 038
38 038
38 038
38 038
Free-cash
51 865
50 704
36 676
55 598

Estimated living cost  is ₽38038 per week

₽24846
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3659
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽605
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.
₽8929
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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