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
₽ 158000
per

Your estimated
City
free-cash

Helsinki , Finland
₽61491
₽63551
₽66034
₽45396
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

-
-
-
158 000
municipal
-
-
-
28 078
health
-
-
-
2 013
national
-
-
-
23 132
total
-
-
-
53 223
Employee
53 092
-
132 919
-
health
396
-
1 626
-
municipal
8 696
-
21 659
-
pensions
3 583
-
8 972
-
unemployment
797
-
1 994
-
national
877
-
14 529
-
total
14 349
-
48 780
-
Employer
53 092
-
132 919
-
accident
54
-
132
-
unemployment
345
-
864
-
pensions
9 211
-
23 062
-
health
408
-
1 023
-
total
10 018
-
25 081
-
Corporate
94 891
158 000
-
-
income
18 978
31 599
-
-
total
18 978
31 599
-
-
Dividends

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

56 935
94 801
-
-
national
2 112
9 103
-
-
municipal
10 249
17 064
-
-
total
12 361
26 167
-
-
Income
158 000
158 000
158 000
158 000
Total tax
55 706
57 766
73 861
53 223
After tax
102 294
100 234
84 139
104 777
Living cost
38 743
38 743
38 743
38 743
Free-cash
63 551
61 491
45 396
66 034

Estimated living cost  is ₽38743 per week

₽25307
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
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.
₽9094
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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