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
₽ 144500
per

Your estimated
City
free-cash

Helsinki , Finland
₽53680
₽55143
₽58799
₽38984
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

-
-
-
144 500
municipal
-
-
-
25 686
health
-
-
-
1 801
national
-
-
-
19 206
total
-
-
-
46 693
Employee
53 456
-
121 561
-
health
399
-
1 448
-
municipal
8 756
-
19 815
-
pensions
3 608
-
8 206
-
unemployment
802
-
1 824
-
national
883
-
12 276
-
total
14 448
-
43 569
-
Employer
53 456
-
121 561
-
accident
54
-
121
-
unemployment
347
-
791
-
pensions
9 274
-
21 092
-
health
411
-
935
-
total
10 086
-
22 939
-
Corporate
80 958
144 500
-
-
income
16 192
28 901
-
-
total
16 192
28 901
-
-
Dividends

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

48 574
86 700
-
-
national
879
7 305
-
-
municipal
8 744
15 606
-
-
total
9 623
22 911
-
-
Income
144 500
144 500
144 500
144 500
Total tax
50 349
51 812
66 508
46 693
After tax
94 151
92 688
77 992
97 807
Living cost
39 008
39 008
39 008
39 008
Free-cash
55 143
53 680
38 984
58 799

Estimated living cost  is ₽39008 per week

₽25480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
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.
₽9157
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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