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
₽27443
₽19716
₽28885
₽33082
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
-
-
-
1 112
municipal
-
-
-
17 259
national
-
-
-
10 344
total
-
-
-
28 715
Employee
48 241
-
81 601
-
unemployment
724
-
1 223
-
pensions
3 256
-
5 507
-
municipal
7 901
-
13 320
-
national
797
-
5 760
-
health
360
-
873
-
total
13 038
-
26 683
-
Employer
48 241
-
81 601
-
pensions
8 370
-
14 157
-
health
371
-
628
-
unemployment
313
-
531
-
accident
49
-
82
-
total
9 103
-
15 398
-
Corporate
39 657
97 000
-
-
income
7 931
19 400
-
-
total
7 931
19 400
-
-
Dividends

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

23 794
58 200
-
-
national
-
3 035
-
-
municipal
4 282
10 477
-
-
total
4 282
13 512
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 354
32 912
42 081
28 715
After tax
62 646
64 088
54 919
68 285
Living cost
35 203
35 203
35 203
35 203
Free-cash
27 443
28 885
19 716
33 082

Estimated living cost  is ₽35203 per week

₽22995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3386
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽8263
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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