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
₽28351
₽29533
₽20356
₽33655
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
municipal
-
-
-
17 258
national
-
-
-
10 571
health
-
-
-
1 120
total
-
-
-
28 949
Employee
47 134
-
81 600
-
national
779
-
5 919
-
unemployment
707
-
1 224
-
health
352
-
882
-
municipal
7 720
-
13 317
-
pensions
3 181
-
5 508
-
total
12 739
-
26 850
-
Employer
47 134
-
81 600
-
accident
48
-
82
-
pensions
8 178
-
14 157
-
unemployment
306
-
530
-
health
362
-
629
-
total
8 894
-
15 398
-
Corporate
40 972
97 000
-
-
income
8 195
19 400
-
-
total
8 195
19 400
-
-
Dividends

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

24 583
58 200
-
-
municipal
4 425
10 476
-
-
national
-
3 195
-
-
total
4 425
13 671
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 253
33 071
42 248
28 949
After tax
62 747
63 929
54 752
68 051
Living cost
34 396
34 396
34 396
34 396
Free-cash
28 351
29 533
20 356
33 655

Estimated living cost  is ₽34396 per week

₽22467
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3308
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽8074
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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