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
₽27493
₽19749
₽28923
₽33114
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
-
-
-
17 260
national
-
-
-
10 355
total
-
-
-
28 727
Employee
48 180
-
81 601
-
unemployment
723
-
1 223
-
pensions
3 251
-
5 509
-
municipal
7 891
-
13 319
-
national
796
-
5 768
-
health
360
-
874
-
total
13 021
-
26 693
-
Employer
48 180
-
81 601
-
pensions
8 359
-
14 158
-
health
370
-
629
-
unemployment
313
-
530
-
accident
49
-
82
-
total
9 091
-
15 399
-
Corporate
39 729
97 000
-
-
income
7 945
19 399
-
-
total
7 945
19 399
-
-
Dividends

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

23 838
58 200
-
-
national
-
3 043
-
-
municipal
4 291
10 476
-
-
total
4 291
13 519
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 348
32 918
42 092
28 727
After tax
62 652
64 082
54 908
68 273
Living cost
35 158
35 158
35 158
35 158
Free-cash
27 493
28 923
19 749
33 114

Estimated living cost  is ₽35158 per week

₽22965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3382
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.
₽8253
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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