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
₽27898
₽29209
₽20034
₽33369
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
-
-
-
17 259
national
-
-
-
10 457
health
-
-
-
1 116
total
-
-
-
28 832
Employee
47 687
-
81 604
-
national
788
-
5 840
-
unemployment
716
-
1 225
-
health
356
-
879
-
municipal
7 811
-
13 318
-
pensions
3 218
-
5 508
-
total
12 889
-
26 770
-
Employer
47 687
-
81 604
-
accident
48
-
81
-
pensions
8 273
-
14 158
-
unemployment
310
-
530
-
health
366
-
628
-
total
8 997
-
15 397
-
Corporate
40 316
97 000
-
-
income
8 064
19 400
-
-
total
8 064
19 400
-
-
Dividends

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

24 189
58 200
-
-
municipal
4 353
10 477
-
-
national
-
3 115
-
-
total
4 353
13 592
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 303
32 992
42 167
28 832
After tax
62 697
64 008
54 833
68 168
Living cost
34 799
34 799
34 799
34 799
Free-cash
27 898
29 209
20 034
33 369

Estimated living cost  is ₽34799 per week

₽22730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽8168
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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