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
₽ 60000
per

Your estimated
City
free-cash

Helsinki , Finland
₽2915
-₽2637
₽7721
-₽1523
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

-
-
-
60 000
municipal
-
-
-
10 708
health
-
-
-
506
national
-
-
-
2 612
total
-
-
-
13 826
Employee
52 695
-
50 474
-
health
393
-
359
-
municipal
8 631
-
8 272
-
pensions
3 556
-
3 408
-
unemployment
791
-
756
-
national
871
-
751
-
total
14 242
-
13 546
-
Employer
52 695
-
50 474
-
accident
53
-
51
-
unemployment
342
-
329
-
pensions
9 142
-
8 756
-
health
405
-
388
-
total
9 942
-
9 524
-
Corporate
-
60 000
-
-
income
-
12 001
-
-
total
-
12 001
-
-
Dividends

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

-
35 999
-
-
national
-
152
-
-
municipal
-
6 479
-
-
total
-
6 631
-
-
Income
60 000
60 000
60 000
60 000
Total tax
24 184
18 632
23 070
13 826
After tax
35 816
41 368
36 930
46 174
Living cost
38 453
38 453
38 453
38 453
Free-cash
-2 637
2 915
-1 523
7 721

Estimated living cost  is ₽38453 per week

₽25117
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3699
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽612
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.
₽9026
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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