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
₽25782
₽18544
₽27708
₽32038
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
-
-
-
1 095
municipal
-
-
-
17 264
national
-
-
-
9 927
total
-
-
-
28 286
Employee
50 260
-
81 600
-
unemployment
754
-
1 224
-
pensions
3 392
-
5 507
-
municipal
8 232
-
13 323
-
national
830
-
5 469
-
health
375
-
857
-
total
13 583
-
26 380
-
Employer
50 260
-
81 600
-
pensions
8 720
-
14 158
-
health
386
-
629
-
unemployment
326
-
531
-
accident
51
-
82
-
total
9 483
-
15 400
-
Corporate
37 257
97 000
-
-
income
7 451
19 399
-
-
total
7 451
19 399
-
-
Dividends

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

22 355
58 201
-
-
national
-
2 741
-
-
municipal
4 025
10 476
-
-
total
4 025
13 217
-
-
Income
97 000
97 000
97 000
97 000
Total tax
34 542
32 616
41 780
28 286
After tax
62 458
64 384
55 220
68 714
Living cost
36 676
36 676
36 676
36 676
Free-cash
25 782
27 708
18 544
32 038

Estimated living cost  is ₽36676 per week

₽23957
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3528
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8609
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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