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
₽ 89000
per

Your estimated
City
free-cash

Helsinki , Finland
₽33100
₽24048
₽36253
₽34019
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

-
-
-
89 000
health
-
-
-
1 110
municipal
-
-
-
15 820
national
-
-
-
11 844
total
-
-
-
28 774
Employee
32 851
-
74 871
-
health
245
-
892
-
municipal
5 381
-
12 205
-
pensions
2 217
-
5 054
-
national
543
-
7 576
-
unemployment
493
-
1 123
-
total
8 879
-
26 850
-
Employer
32 851
-
74 871
-
accident
33
-
75
-
unemployment
213
-
487
-
health
252
-
577
-
pensions
5 699
-
12 990
-
total
6 197
-
14 129
-
Corporate
49 951
89 000
-
-
income
9 990
17 800
-
-
total
9 990
17 800
-
-
Dividends

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

29 970
53 400
-
-
municipal
5 395
9 612
-
-
national
547
4 515
-
-
total
5 942
14 127
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 008
31 927
40 979
28 774
After tax
57 992
57 073
48 021
60 226
Living cost
23 973
23 973
23 973
23 973
Free-cash
34 019
33 100
24 048
36 253

Estimated living cost  is ₽23973 per week

₽15659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2306
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽5627
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.

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