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
₽ 197000
per

Your estimated
City
free-cash

Helsinki , Finland
₽84336
₽87360
₽85911
₽63345
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

-
-
-
197 000
municipal
-
-
-
34 987
national
-
-
-
35 894
health
-
-
-
2 625
total
-
-
-
73 506
Employee
51 503
-
165 728
-
national
851
-
21 999
-
pensions
3 476
-
11 187
-
unemployment
773
-
2 486
-
municipal
8 436
-
26 985
-
health
385
-
2 144
-
total
13 921
-
64 801
-
Employer
51 503
-
165 728
-
health
396
-
1 276
-
pensions
8 935
-
28 753
-
accident
52
-
165
-
unemployment
334
-
1 077
-
total
9 717
-
31 271
-
Corporate
135 780
197 000
-
-
income
27 155
39 399
-
-
total
27 155
39 399
-
-
Dividends

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

81 468
118 200
-
-
municipal
14 664
21 276
-
-
national
6 600
14 406
-
-
total
21 264
35 682
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 057
75 081
96 072
73 506
After tax
124 943
121 919
100 928
123 494
Living cost
37 583
37 583
37 583
37 583
Free-cash
87 360
84 336
63 345
85 911

Estimated living cost  is ₽37583 per week

₽24549
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽598
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.
₽8822
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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