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
₽27697
₽19892
₽29068
₽33241
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
-
-
-
17 260
national
-
-
-
10 408
total
-
-
-
28 781
Employee
47 933
-
81 602
-
unemployment
719
-
1 224
-
pensions
3 235
-
5 508
-
municipal
7 851
-
13 319
-
national
792
-
5 804
-
health
358
-
877
-
total
12 955
-
26 732
-
Employer
47 933
-
81 602
-
pensions
8 316
-
14 158
-
health
368
-
628
-
unemployment
311
-
531
-
accident
48
-
81
-
total
9 043
-
15 398
-
Corporate
40 024
97 000
-
-
income
8 005
19 400
-
-
total
8 005
19 400
-
-
Dividends

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

24 014
58 200
-
-
national
-
3 079
-
-
municipal
4 322
10 475
-
-
total
4 322
13 554
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 325
32 954
42 130
28 781
After tax
62 675
64 046
54 870
68 219
Living cost
34 978
34 978
34 978
34 978
Free-cash
27 697
29 068
19 892
33 241

Estimated living cost  is ₽34978 per week

₽22847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3364
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
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.
₽8211
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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