My Salary & Expenses As a Software Engineer In 2024

Summary

Luke, un ingeniero de software de 22 años en Helsinki, Finlandia, comparte su salario y gastos mensuales. Con un sueldo anual de €2,200 y un aumento del 10%, incluye beneficios y una inversión en acciones que valdrían aproximadamente €400 al mes. Paga altos impuestos, pero disfruta de una vida cómoda y saludable. Además, gana más dinero con YouTube que con su trabajo diario, con ingresos variando entre €4,000 y €5,000 al mes. Inspira a otros a emprender y a perseguir sus sueños.

Takeaways

• 😀 El canal de YouTube de Luke, a los 22 años, le permite ganar más dinero que su trabajo como ingeniero de software en Helsinki, Finlandia.
• 💼 Luke gana €4,850 al mes como ingeniero de software fullstack, lo que incluye una subida del 10% en su salario reciente.
• 💵 A pesar de no tener una titulación en Ciencias de la Computación, Luke disfruta de un buen salario y está contento con su posición actual.
• 🏢 En Finlandia, los impuestos son altos, lo que hace que Luke pague alrededor del 33% en impuestos, lo que le deja con €36,000 al año después de deducirlos.
• 🏠 El costo de la vivienda en Helsinki es alto, pero Luke justifica su renta compartida de €1,124 al mes debido a la ubicación y las ventajas de trabajar desde casa.
• 🍽 Luke gasta alrededor de €500 al mes en alimentos, priorizando su salud y bienestar sobre el gasto económico.
• 🏋️‍♂️ El gimnasio cuesta €80 al mes y, aunque parece caro, Luke valora la conveniencia y la variedad de gimnasios disponibles.
• 💳 Luke minimiza sus gastos en suscripciones al utilizar servicios empresariales y pagar solo €10 al mes por Spotify.
• 💰 A pesar de los altos costos de vida, Luke logra ahorrar y invertir €1,200 al mes, la mayoría en criptomonedas.
• 📈 Luke ha experimentado un crecimiento significativo en sus ingresos de YouTube, ganando en promedio €5,070 al mes, lo que supera sus ingresos de trabajo.
• 🎥 Los gastos de producción de videos para YouTube son altos, con inversiones en equipos de grabación y gastos mensuales, pero Luke está comprometido con mejorar la calidad de sus contenidos.

Q & A

¿Cuál es la edad del presentador y en qué ciudad vive?

El presentador tiene 22 años y vive en Helsinki, Finlandia.

¿Cuánto tiempo ha estado trabajando como ingeniero de software?

El presentador ha estado trabajando como ingeniero de software por poco más de dos años.

¿Cuál es la remuneración anual del presentador como ingeniero de software?

La remuneración anual del presentador es de €2,200.

¿Cuál es la cantidad de aumento que recibió el presentador recientemente?

El presentador recibió un aumento del 10% en su salario.

¿Cuál es el valor aproximado de las acciones que posee el presentador en su empresa?

El valor de las acciones que posee el presentador en su empresa es de aproximadamente €400 al mes.

¿Cuál es la renta después de impuestos que el presentador tiene disponible para gastar?

Después de pagar impuestos, el presentador tiene €36,000 al mes disponibles para gastar.

¿Cuál es la cantidad que el presentador paga por su parte de la renta de su apartamento?

El presentador paga €1,124 por su parte de la renta de su apartamento.

¿Cuál es el gasto mensual promedio en comidas para el presentador?

El gasto mensual promedio en comidas para el presentador es de €500 a €550.

¿Cuál es el costo de la membresía al gimnasio para el presentador?

El costo de la membresía al gimnasio para el presentador es de €80 al mes.

¿Cuál es la principal fuente de ingresos adicionales para el presentador aparte de su trabajo como ingeniero de software?

La principal fuente de ingresos adicionales para el presentador es su canal de YouTube.

¿Cuál es el ingreso promedio mensual que el presentador obtiene de su canal de YouTube?

El ingreso promedio mensual que el presentador obtiene de su canal de YouTube es de €5,070.

Outlines

00:00

💼 Salario y gastos de un ingeniero de software en Finlandia

Luke, un ingeniero de software de 22 años que vive en Helsinki, Finlandia, comparte su salario y gastos. Trabaja como ingeniero fullstack y gana 2.200 euros al año, lo que se traduce en 4.350 euros al mes. Aunque podría ganar más en una empresa más grande, está satisfecho con su posición actual debido al aprendizaje continuo y su buen equipo de trabajo. Recientemente recibió un aumento del 10%, lo que le sorprendió en un momento de despidos masivos. Además de su salario, tiene acciones en la empresa que valora en aproximadamente 400 euros al mes. Sus beneficios adicionales suman 1 euro al mes. A pesar de los altos impuestos en Finlandia, que pueden llegar al 50% para ingresos altos, Luke se siente afortunado con su compensación total de 3.850 euros al mes.

05:01

🏠 Gastos de vida y enfoque en la salud

Después de pagar impuestos, Luke se queda con aproximadamente 36.000 euros al año, o 3.000 euros al mes para sus gastos personales. Su mayor gasto es el alquiler, que es de 1.950 euros, pero él solo paga 1.124 euros debido a que tiene una habitación más grande en un apartamento compartido. Aprecia la ubicación céntrica que le permite ahorrar en transporte y tiempo de desplazamiento. Su segundo gasto más grande es la comida, que le cuesta entre 500 y 550 euros al mes, prefiriendo productos orgánicos y carnes de alta calidad. También invierte en su salud, pagando 80 euros por un gimnasio que le permite visitar todas las sucursales en Helsinki. Además, menciona sus gastos en servicios de suscripción y cómo gestiona su tiempo y tareas con la aplicación Airflow.

10:01

📈 Ingresos y gastos del canal de YouTube

Luke también comparte detalles sobre sus ingresos y gastos relacionados con su canal de YouTube. A lo largo de los últimos meses, ha ganado más dinero con YouTube que con su trabajo diario, lo que le parece increíble. Sus ingresos provienen de los anuncios, patrocinios y, en menor medida, de la venta de productos. Mientras que los ingresos pueden variar, los patrocinios suelen ser de al menos 2.000 euros por una integración de 60 a 90 segundos. A pesar de los gastos en equipos de cámara y otros materiales, Luke reinvestir esos ingresos en mejorar la calidad de sus videos. También menciona que tiene una manager que se lleva un 10% de los acuerdos de patrocinio que negocia en su nombre. Finalmente, Luke reflexiona sobre su progreso y motiva a los espectadores a perseguir sus propios sueños y proyectos.

Keywords

💡Ingeniero de software

El ingeniero de software es una profesión que implica el diseño, desarrollo y mantenimiento de software. En el guion, Luke menciona que trabaja como ingeniero de software fullstack y ha estado en la industria por poco más de dos años. Este término es central en el video, ya que define su profesión y la base de su salario y gastos.

💡Salario

El salario es la remuneración que recibe Luke por su trabajo como ingeniero de software. En el guion, se menciona que su salario anual es de €2,200 o €4,350 al mes, lo cual es un punto de comparación con los salarios en los Estados Unidos. El salario es un tema recurrente, ya que afecta directamente sus gastos y estilo de vida.

💡Gastos

Los gastos son las cantidades de dinero que Luke invierte en diferentes aspectos de su vida, como alquiler, comida, gimnasio y servicios de suscripción. El guion detalla cómo分配 su presupuesto mensual después de pagar impuestos, lo que refleja su enfoque en la gestión financiera y la importancia de equilibrar ingresos y egresos.

💡Impuestos

Los impuestos son una parte importante de los gastos de Luke, ya que menciona que paga alrededor del 33% de sus ingresos en impuestos. Esto es relevante en el video, ya que destaca la alta tasa impositiva en Finlandia y cómo afecta sus ingresos netos después de deducirlos.

💡Capital social

El capital social se refiere a las acciones o derechos de propiedad que Luke tiene en la empresa por la que trabaja. Aunque en el guion decide valorar esto en cero debido a que la empresa es privada, es un concepto importante en la compensación total que podría tener un valor significativo en el futuro.

💡YouTube

YouTube es una plataforma mencionada en el guion donde Luke también genera ingresos a través de sus videos. Se destaca cómo ha logrado generar más ingresos de YouTube que de su trabajo diario, lo que demuestra la diversificación de fuentes de ingresos y el potencial del contenido creativo en línea.

💡Inversión

La inversión se refiere a la acción de poner dinero en activos con la esperanza de obtener ganancias futuras. Luke menciona que ha invertido en criptomonedas, lo que indica su interés en diversificar sus activos y su disposición a asumir ciertos riesgos financieros.

💡Remuneración total

La remuneración total es la suma de todos los ingresos que Luke recibe, incluido su salario, los beneficios y los ingresos de YouTube. En el guion, se calcula que su remuneración total es de €9,990 al mes, lo que demuestra su éxito en la acumulación de ingresos de diversas fuentes.

💡Equidad

La equidad en el contexto del video se refiere a la participación de propiedad en una empresa, que Luke valora en €400 al mes. Aunque es una estimación y no refleja su valor real, es parte de su compensación y muestra su alineación de intereses con el éxito de la empresa.

💡Gastos de negocios

Los gastos de negocios son los costos asociados con la creación y mantenimiento de contenido en YouTube. Luke menciona que ha invertido más de 10,000 euros en equipo de cámara y otros materiales, lo que demuestra su compromiso con la calidad de su contenido y su disposición a invertir en su carrera como creador de contenido.

Highlights

Luke, a 22-year-old software engineer in Helsinki, shares his salary and expenses.

He earns €2,200 per year or €4,350 per month, which is lower than US salaries but he values his current job for learning and team.

Luke recently received a 10% raise despite economic challenges.

He has equity in his company, estimated to be worth around €400 per month.

Total compensation from his software engineering job is €3,850 per month.

Taxes in Finland are high, with Luke paying around 33% of his income.

After taxes, Luke has approximately €3,000 per month for personal spending.

Rent is a significant expense at €1,124 per month, but he shares the cost with a roommate.

Luke's high rent is justified by the convenience of living in the city center and the benefits for his work and YouTube channel.

Food expenses are around €500 to €550 per month, reflecting his preference for organic and high-quality food.

Gym membership costs €80 per month, and it provides access to multiple gyms in Helsinki.

Utilities are split with his roommate, costing Luke €995 per month.

Subscription services are minimal due to business expensability, with Spotify costing €1 per month.

Luke invests his savings into crypto, which has been a profitable decision so far.

YouTube ad revenue consistently earns him around €450 per month.

Sponsorship deals are a significant source of income, often starting at €2,000 for product integrations.

Luke's YouTube income has recently surpassed his salary from his day job.

He emphasizes the importance of time management and uses an app called aif flow to balance work and YouTube.

Luke offers a 60% discount for students to use aif flow through a special code.

Total monthly income from both his job and YouTube is approximately €9,990, with expenses subtracted.

Luke motivates viewers to start their own ventures and shares his journey as an example of what's possible.

Transcripts

[Music]

what up yall it's Luke and today I'm

going to take you through my salary and

expenses as a 22-year-old software

engineer living here in Helsinki Finland

you know it's been a minute since we did

one of these videos and a lot has

changed during that time so I thought

it's only right that we make an updated

one and see how the journey is going so

far and I think this is going to be a

cool switch up to all the US salaries

that you're used to seeing you know

people making 300 400k because here in

Europe it's a lot different to that but

anyways without further Ado let's get

straight to it so I work as a fullstack

engineer and I've been in software

engineering for a little over two years

at this point I don't have a CS degree

but technically I'm still a student in

University I just haven't graduated yet

and with those stats my salary is

€2,200 per year or €

4,350 per month which seems pretty low

compared to all the US salaries and I

could be making around like 60k if I

joined a bigger company but to be

completely honest with you I'm pretty

happy at my current position I'm

learning a lot and my team is great so

I'm not looking jump ship for a few band

now for some reason I recently got a 10%

raise which kind of surprised me because

you know people are getting laid off and

somehow my income actually went up

during this time now on top of my salary

I also got equity in the company which

we can count as zero because the company

is private I mean yeah we can look at

the company's valuation and do some

mental gymnastics in order to get an

idea of how much the equity is worth but

I don't want to end up in a situation

where I'm thinking to myself that hey I

got this much on the side coming in from

the equity so I can spend that extra

amount on something else but technically

speaking and for the video sake it's

supposed to be around €400 per month

there's some other benefits as well for

food Fitness and things of this nature

which all add up to around €1 per month

and that's going to bring my total

compensation from my software

engineering job to

,850 per month which for a person my age

in Finland is incredible and I'm super

blessed now let's take a closer look on

how I spent all my money of course the

biggest one is going to be taxes which

in Finland are crazy high because we

have free school free healthc care and

all that stuff and with my earnings I

pay around

16,200 a year on taxes so around 33% so

that number of 16,200 isn't actually

that bad in the grand schemo things but

as you start earning anywhere close to

100,000 then you're basically paying 50%

tax and past a certain point you're

paying over 50% tax which in my opinion

is kind of ridiculous to be honest and

as you see later on the video once we

get to the YouTube stuff that 100,000

Mark isn't actually that far away and I

know many senior devs who earn that much

in Finland so after I pay my taxes like

a good boy I'm left with pretty much

bang on 36,000 or 3,000 per month to

spend on whatever I want to and the

first thing I want to spend my money on

is rent because I don't want to go

homeless I live in this pretty nice

apartment that's like right in center of

everything and it costs

$1,950 I don't pay that amount myself

because I have a roommate so my share of

the rent is only

1124 and if you wonder why I pay more

it's because I have a much bigger room

that I needed for my setup now I know

the rent seems high and it is but

there's a few things to consider here

first of all because I work remotely

fulltime I can ride off my entire room

as a work room and also because I shoot

YouTube videos all over the house I can

write off portions of each room so after

that's all said and done I'm left to pay

more like 1,50 every single month now a

second thing to consider is that because

I live in the center of everything I

don't need a car so that's at least a

few hundred bucks saved every single

month and lastly I live right next to

every single store gym whatever I may

need I'm saving at least 20 hours every

single month on commute which based on

my hourly rate adds up to quite a bit

every single month and I mean of course

the view as well like the amount of

creativity that this view unlocks me is

well worth the difference between this

place and renting some normal studio

apartment for €800 a month which is on

the cheaper side here so yes the rent

seems high at first but when you take

into consideration all these factors I

actually think it's worth it or maybe

I'm just coping and trying to justify my

PO financial decisions then after rent

my biggest expense is food now if you've

been watching my videos you know I like

my organic food and steak and stuff like

this so my food bill is actually pretty

high it comes around 500 to 550 a month

which for a single person is a lot I

know but honestly on my current diet I

feel so good that I think it's well

worth it I have this thing where I'd

rather hurt my pockets than my gut

because it's way easier for me to make

more money than it is for me to fix some

health issues that may come up now this

doesn't mean I never eat out but when I

do I try to go for something like a

Pokeball versus McDonald's and speaking

of health and fitness my gym cost €80

per month which is C crazy high I didn't

actually even realize that until I

started making this video but it covers

every single one of the gyms in the

Helsinki area so if I ever want to work

out at a different gym I can just go

there and it's going to be fine and one

of their gym is literally right

downstairs from my apartment so it's

just way too convenient for me all right

moving on we got utilities so water

electricity and ethernet and here we go

right down the middle with my roommate

so I pay around

995 every single month when it comes to

subscription services I don't have

basically any of my name because I'm

able to business expense a lot of things

that I may need for my business but I do

pay for Spotify from my own pocket which

comes to around €1 per month and here's

a full list of all the subscription

Services I use and after that's all said

and done I'm left with € 1,200 subtract

€50 for random stuff like clothes give

me this haircut and whatever else it may

be and at the end of the day I'm left

€50 to do whatever I want to for the

past couple of years I've put almost all

of it into crypto which actually has

turned out to be quite a decent decision

so far now we're going to have to see if

I can exit the markets alive or not and

my Investment Portfolio is going to

deserve a video of its own but whether

we make it to the promised land or

it all up I'm going to tell you straight

up so subscribe to the channel if you

want to see what happens and that's

going to conclude my personal salary and

expenses side of things next I want to

take you to my YouTube stuff just to

motivate you to start your own thing on

the side as well and I think especially

developers should try something on the

site that has no glass ceiling because

at the end of the day we're Builders and

Builders are meant to build cool stuff

and trust me I know it's hard to balance

a 9 to5 or your school with a side

hustle and I want to make a whole whole

separate video on how I balance my work

and my YouTube stuff but something that

has helped me a lot is this app called

aif flow which is like an all-in-one

time/ task management tool and I like

aif flow because when you're trying to

balance your main work and your side

hustle time management is key because

obviously we all have 24 hours in a day

and for this AE flow is literally

perfect it allows me to bring task from

other applications into this one

platform which makes task management

super easy as I'm able to keep track of

everything in this one place now you can

integrate aif flow with pretty much any

other productivity you may be using

whether that's Gmail Google Calendar

notion slack and so on and all the tasks

you bring from those other applications

will show up here on your inbox of

course you can create your own task as

well use the add new task button or what

I like to do is use the comment line as

it speeds things up a lot and as a

developer command Lines Just it

different they're actually roll out

their new AI feature that's going to

automatically assign your tasks into

certain projects which is going to make

everything organized and help keep track

of everything with oif flow I'm also

able to plan out my days into what I

like to call Deep work plugs I have my

calendar right here and I can create

these work blocks and with this lock

button I can choose whether this is a

deep work block so that no one can book

a meeting with me here or a regular work

block where I'm available for meetings

and this is going to show up in my

calendar as well and after I created

these work blocks I can just drag and

drop my tasks from my inbox into this

work blocks so I know exactly what I

need to do in each work block and

another feature I use a lot from aif

flow is the availability sharing feature

so as a software engineer and a contact

Creator I'm being directag into meetings

constantly and with the availability

sharing feature I'm able to just select

all the time that I'm available for

meetings and aif flow will generate this

link for me now when I share this link

to a colleague or a sponsor that wants

to meet up with me and they click on the

link then this nice looking UI opens and

they can just select whatever time works

the best for them this is just a brief

overview of what aif flow is capable of

and they're constantly rolling out new

features if you have any questions about

aif flat they offer a free one-onone

onboarding call for all new users so

definitely take use of that and because

many of you are CS students the people

at aifl have given a 60% discount for

all students by selecting student when

you're signing up and using the code 60

students one year and honestly a huge

shout out to AK flow for sponsoring the

video and being the first long-term

partner here on the channel but yeah

let's get to YouTube stuff now and this

is not supposed to be a flex at all I

just want to show you what's possible

when you start doing your own thing

because for the past couple of months

I've earned more from YouTube than from

my day job which is crazy for me to

think because I've only been doing this

for a year and I'm not out there selling

some garbage python CS to you now from

my YouTube ad Revenue which you get from

those annoying ads that you have to

watch before every video I've

consistently earned around $450 per

month which is great but most of the

money comes from sponsorship deals now I

can't tell you exactly what I've charged

for any given sponsorships because these

companies don't usually want these

numbers leaked but for your typical 60

to 90c integration the conversation

really even starts at $2,000 now this

doesn't mean that I accept all

sponsorship deals over $2,000 because I

only promote stuff that I actually truly

believe in so I'm super proud of every

single company that I've partnered up so

far and I think the products are awesome

now often the these deals also include

Revenue share and if the company wants

more screen time or wants me to do a

short form video for them then this

number can easily two to 3x and that

starts to be some serious serious money

at that point and it's not like oh Luke

thinks he's worth such and such amount

like no the marketplace decides how much

influencers are worth and it's the same

as with everything in life like if the

marketplace is willing to give you x

amount then you should definitely ask

for that amount or even more depending

what you bring to the table I mean it's

the exact same thing when you're

negotiating your salary for a job but

for the past couple of months on average

I've made

5,070 from this internet thing which is

insane like literally more than my day

job now of course these have also been

the best months for my YouTube channel

but if you take the average for the

whole year then it's still like €2,000 a

month so this number will swing up and

down a lot based on how many videos I

make how many views the videos get and

if I take a sponso on the video or not

now when it comes to expenses of the

business side of things I have a lot of

them for example the subscription

Services mentioned previously also at

this Point I've spent well over 10,000

on camera gear alone so that's going to

be my camera lenses drone microphone

tripods all this stuff it costs a lot of

money and of course these are one of

purchases but every single month there's

something I need to buy which ends up

costing me a lot of money and even right

now I still have so many things I need

to buy in order to make the videos

better and stuff I need for making new

videos so it's not like I make this

extra money from YouTube to buy bottle

service or fancy watches for now I'm

just going all in on making the videos

better because I love this stuff and I

want to see how far I can take it matter

of fact I don't pull basically any money

from the business account to my personal

accounts for spending also I have a

manager that takes 10% of every

partnership deal that she negotiates for

me but it's been well worth it because

she brings much more to the table and I

can just focus on making videos so

that's my YouTube income and now let's

total everything up together so from my

software engineering job I make

$4,850 every single month and from the

YouTube s of things I make 5,070 a month

and that's going to bring my monthly

income to 99,900 € 120 every single

month of course minus the monthly

expenses but I still can't believe I'm

even saying that number out loud like

when I was working in grocery store or

work in construction for minimum wage

the goal of making 10K per month felt so

unrealistic and now after 3 years we're

finally there like it's possible and I

want you to know that it's possible for

you too I'm literally just a regular

dude but yeah that's pretty much all for

my salary and expenses hope you got some

inspiration to start your own thing or

some extra motivation to keep going on

your journey like you got this but with

that said thank you so much for watching

all the way to the end and I'll see you

in the next one peace