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
₽ 189000
per

Your estimated
City
free-cash

Helsinki , Finland
₽81644
₽59943
₽82068
₽79244
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

-
-
-
189 000
municipal
-
-
-
33 572
health
-
-
-
2 493
national
-
-
-
32 903
total
-
-
-
68 968
Employee
52 606
-
158 997
-
pensions
3 550
-
10 732
-
national
869
-
19 627
-
municipal
8 616
-
25 893
-
unemployment
789
-
2 385
-
health
393
-
2 030
-
total
14 217
-
60 667
-
Employer
52 606
-
158 997
-
pensions
9 127
-
27 585
-
accident
53
-
159
-
health
404
-
1 224
-
unemployment
342
-
1 034
-
total
9 926
-
30 002
-
Corporate
126 468
189 000
-
-
income
25 293
37 800
-
-
total
25 293
37 800
-
-
Dividends

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

75 881
113 400
-
-
municipal
13 658
20 411
-
-
national
5 450
13 157
-
-
total
19 108
33 568
-
-
Income
189 000
189 000
189 000
189 000
Total tax
68 544
71 368
90 669
68 968
After tax
120 456
117 632
98 331
120 032
Living cost
38 388
38 388
38 388
38 388
Free-cash
82 068
79 244
59 943
81 644

Estimated living cost  is ₽38388 per week

₽25075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
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.
₽9011
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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