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
₽37383
₽27507
₽40370
₽38627
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
-
-
-
1 230
municipal
-
-
-
17 238
national
-
-
-
13 864
total
-
-
-
32 332
Employee
33 297
-
81 602
-
health
249
-
992
-
municipal
5 454
-
13 298
-
pensions
2 247
-
5 508
-
national
550
-
8 774
-
unemployment
500
-
1 224
-
total
9 000
-
29 796
-
Employer
33 297
-
81 602
-
accident
34
-
82
-
unemployment
216
-
531
-
health
256
-
628
-
pensions
5 777
-
14 158
-
total
6 283
-
15 399
-
Corporate
57 420
97 000
-
-
income
11 484
19 400
-
-
total
11 484
19 400
-
-
Dividends

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

34 452
58 200
-
-
municipal
6 201
10 476
-
-
national
1 107
5 443
-
-
total
7 308
15 919
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 075
35 319
45 195
32 332
After tax
62 925
61 681
51 805
64 668
Living cost
24 298
24 298
24 298
24 298
Free-cash
38 627
37 383
27 507
40 370

Estimated living cost  is ₽24298 per week

₽15871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽5704
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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