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
₽ 97000
per

Your estimated
City
free-cash

Helsinki , Finland
₽26363
₽18956
₽28121
₽32406
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

-
-
-
97 000
health
-
-
-
1 101
municipal
-
-
-
17 261
national
-
-
-
10 073
total
-
-
-
28 435
Employee
49 551
-
81 601
-
unemployment
744
-
1 224
-
pensions
3 344
-
5 508
-
municipal
8 116
-
13 320
-
national
819
-
5 571
-
health
370
-
863
-
total
13 393
-
26 486
-
Employer
49 551
-
81 601
-
pensions
8 597
-
14 157
-
health
381
-
629
-
unemployment
322
-
531
-
accident
50
-
82
-
total
9 350
-
15 399
-
Corporate
38 100
97 000
-
-
income
7 621
19 401
-
-
total
7 621
19 401
-
-
Dividends

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

22 859
58 199
-
-
national
-
2 844
-
-
municipal
4 114
10 475
-
-
total
4 114
13 319
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 478
32 720
41 885
28 435
After tax
62 522
64 280
55 115
68 565
Living cost
36 159
36 159
36 159
36 159
Free-cash
26 363
28 121
18 956
32 406

Estimated living cost  is ₽36159 per week

₽23619
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
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.
₽8488
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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