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
₽27300
₽19614
₽28785
₽32992
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
-
-
-
1 109
municipal
-
-
-
17 261
national
-
-
-
10 308
total
-
-
-
28 678
Employee
48 416
-
81 601
-
unemployment
726
-
1 224
-
pensions
3 267
-
5 508
-
municipal
7 930
-
13 319
-
national
800
-
5 733
-
health
361
-
873
-
total
13 084
-
26 657
-
Employer
48 416
-
81 601
-
pensions
8 400
-
14 157
-
health
372
-
629
-
unemployment
314
-
531
-
accident
49
-
82
-
total
9 135
-
15 399
-
Corporate
39 449
97 000
-
-
income
7 890
19 400
-
-
total
7 890
19 400
-
-
Dividends

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

23 670
58 200
-
-
national
-
3 009
-
-
municipal
4 261
10 476
-
-
total
4 261
13 485
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 370
32 885
42 056
28 678
After tax
62 630
64 115
54 944
68 322
Living cost
35 330
35 330
35 330
35 330
Free-cash
27 300
28 785
19 614
32 992

Estimated living cost  is ₽35330 per week

₽23078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
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.
₽8293
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close