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
₽ 144000
per

Your estimated
City
free-cash

Helsinki , Finland
₽58562
₽38816
₽54908
₽53463
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

-
-
-
144 000
municipal
-
-
-
25 597
health
-
-
-
1 795
national
-
-
-
19 127
total
-
-
-
46 519
Employee
53 334
-
121 140
-
pensions
3 599
-
8 178
-
national
881
-
12 219
-
municipal
8 736
-
19 747
-
unemployment
800
-
1 818
-
health
398
-
1 443
-
total
14 414
-
43 405
-
Employer
53 334
-
121 140
-
pensions
9 253
-
21 019
-
accident
54
-
121
-
health
410
-
933
-
unemployment
346
-
787
-
total
10 063
-
22 860
-
Corporate
80 603
144 000
-
-
income
16 121
28 800
-
-
total
16 121
28 800
-
-
Dividends

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

48 362
86 400
-
-
municipal
8 705
15 551
-
-
national
870
7 267
-
-
total
9 575
22 818
-
-
Income
144 000
144 000
144 000
144 000
Total tax
50 173
51 618
66 265
46 519
After tax
93 827
92 382
77 735
97 481
Living cost
38 919
38 919
38 919
38 919
Free-cash
54 908
53 463
38 816
58 562

Estimated living cost  is ₽38919 per week

₽25422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3744
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽619
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.
₽9136
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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