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
₽ 156000
per

Your estimated
City
free-cash

Helsinki , Finland
₽60472
₽65087
₽44584
₽62495
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

-
-
-
156 000
health
-
-
-
1 984
municipal
-
-
-
27 723
national
-
-
-
22 618
total
-
-
-
52 325
Employee
52 880
-
131 235
-
municipal
8 661
-
21 385
-
pensions
3 569
-
8 858
-
unemployment
793
-
1 968
-
national
874
-
14 249
-
health
395
-
1 602
-
total
14 292
-
48 062
-
Employer
52 880
-
131 235
-
accident
53
-
132
-
unemployment
343
-
853
-
health
406
-
1 011
-
pensions
9 174
-
22 770
-
total
9 976
-
24 766
-
Corporate
93 143
156 000
-
-
income
18 629
31 200
-
-
total
18 629
31 200
-
-
Dividends

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

55 886
93 600
-
-
municipal
10 059
16 848
-
-
national
1 961
8 892
-
-
total
12 020
25 740
-
-
Income
156 000
156 000
156 000
156 000
Total tax
54 917
56 940
72 828
52 325
After tax
101 083
99 060
83 172
103 675
Living cost
38 588
38 588
38 588
38 588
Free-cash
62 495
60 472
44 584
65 087

Estimated living cost  is ₽38588 per week

₽25205
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3712
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9058
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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