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
₽ 190000
per

Your estimated
City
free-cash

Helsinki , Finland
₽84813
₽61389
₽83153
₽81969
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

-
-
-
190 000
municipal
-
-
-
33 742
health
-
-
-
2 542
national
-
-
-
35 198
total
-
-
-
71 482
Employee
48 462
-
159 840
-
health
362
-
2 077
-
unemployment
727
-
2 398
-
pensions
3 271
-
10 789
-
national
801
-
21 798
-
municipal
7 938
-
26 024
-
total
13 099
-
63 086
-
Employer
48 462
-
159 840
-
health
372
-
1 231
-
pensions
8 408
-
27 732
-
accident
49
-
159
-
unemployment
315
-
1 038
-
total
9 144
-
30 160
-
Corporate
132 394
190 000
-
-
income
26 479
38 000
-
-
total
26 479
38 000
-
-
Dividends

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

79 436
114 000
-
-
municipal
14 299
20 520
-
-
national
6 801
14 146
-
-
total
21 100
34 666
-
-
Income
190 000
190 000
190 000
190 000
Total tax
69 822
72 666
93 246
71 482
After tax
120 178
117 334
96 754
118 518
Living cost
35 365
35 365
35 365
35 365
Free-cash
84 813
81 969
61 389
83 153

Estimated living cost  is ₽35365 per week

₽23100
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3402
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
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.
₽8301
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.

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