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
₽ 154000
per

Your estimated
City
free-cash

Helsinki , Finland
₽64221
₽43945
₽61617
₽59625
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

-
-
-
154 000
municipal
-
-
-
27 368
health
-
-
-
1 956
national
-
-
-
22 262
total
-
-
-
51 586
Employee
52 338
-
129 553
-
pensions
3 532
-
8 744
-
national
865
-
14 037
-
municipal
8 573
-
21 111
-
unemployment
785
-
1 943
-
health
391
-
1 580
-
total
14 146
-
47 415
-
Employer
52 338
-
129 553
-
pensions
9 080
-
22 478
-
accident
53
-
130
-
health
402
-
997
-
unemployment
340
-
842
-
total
9 875
-
24 447
-
Corporate
91 787
154 000
-
-
income
18 357
30 800
-
-
total
18 357
30 800
-
-
Dividends

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

55 072
92 400
-
-
municipal
9 913
16 632
-
-
national
1 899
8 750
-
-
total
11 812
25 382
-
-
Income
154 000
154 000
154 000
154 000
Total tax
54 190
56 182
71 862
51 586
After tax
99 810
97 818
82 138
102 414
Living cost
38 193
38 193
38 193
38 193
Free-cash
61 617
59 625
43 945
64 221

Estimated living cost  is ₽38193 per week

₽24947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8965
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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