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
₽ 141000
per

Your estimated
City
free-cash

Helsinki , Finland
₽57145
₽37812
₽53479
₽52148
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

-
-
-
141 000
municipal
-
-
-
25 064
health
-
-
-
1 753
national
-
-
-
18 650
total
-
-
-
45 467
Employee
52 606
-
118 617
-
pensions
3 550
-
8 007
-
national
869
-
11 885
-
municipal
8 616
-
19 335
-
unemployment
789
-
1 780
-
health
393
-
1 410
-
total
14 217
-
42 417
-
Employer
52 606
-
118 617
-
pensions
9 127
-
20 580
-
accident
53
-
120
-
health
404
-
913
-
unemployment
342
-
770
-
total
9 926
-
22 383
-
Corporate
78 468
141 000
-
-
income
15 694
28 200
-
-
total
15 694
28 200
-
-
Dividends

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

47 081
84 600
-
-
municipal
8 474
15 227
-
-
national
822
7 037
-
-
total
9 296
22 264
-
-
Income
141 000
141 000
141 000
141 000
Total tax
49 133
50 464
64 800
45 467
After tax
91 867
90 536
76 200
95 533
Living cost
38 388
38 388
38 388
38 388
Free-cash
53 479
52 148
37 812
57 145

Estimated living cost  is ₽38388 per week

₽25075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
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.
₽9011
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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