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
₽27602
₽19830
₽29002
₽33183
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
-
-
-
1 113
municipal
-
-
-
17 259
national
-
-
-
10 384
total
-
-
-
28 756
Employee
48 047
-
81 600
-
unemployment
721
-
1 224
-
pensions
3 242
-
5 508
-
municipal
7 870
-
13 318
-
national
794
-
5 787
-
health
359
-
875
-
total
12 986
-
26 712
-
Employer
48 047
-
81 600
-
pensions
8 336
-
14 157
-
health
369
-
629
-
unemployment
312
-
530
-
accident
49
-
81
-
total
9 066
-
15 397
-
Corporate
39 888
97 000
-
-
income
7 977
19 399
-
-
total
7 977
19 399
-
-
Dividends

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

23 933
58 200
-
-
national
-
3 062
-
-
municipal
4 308
10 476
-
-
total
4 308
13 538
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 337
32 937
42 109
28 756
After tax
62 663
64 063
54 891
68 244
Living cost
35 061
35 061
35 061
35 061
Free-cash
27 602
29 002
19 830
33 183

Estimated living cost  is ₽35061 per week

₽22902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3372
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
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.
₽8230
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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