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
₽62913
₽85474
₽83401
₽86392
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
national
-
-
-
35 035
health
-
-
-
2 610
municipal
-
-
-
34 991
total
-
-
-
72 636
Employee
53 293
-
165 727
-
municipal
8 729
-
26 986
-
health
398
-
2 130
-
national
880
-
21 139
-
pensions
3 597
-
11 187
-
unemployment
800
-
2 485
-
total
14 404
-
63 927
-
Employer
53 293
-
165 727
-
unemployment
346
-
1 076
-
pensions
9 246
-
28 753
-
health
409
-
1 276
-
accident
54
-
165
-
total
10 055
-
31 270
-
Corporate
133 652
197 000
-
-
income
26 731
39 400
-
-
total
26 731
39 400
-
-
Dividends

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

80 191
118 200
-
-
municipal
14 434
21 275
-
-
national
6 094
14 034
-
-
total
20 528
35 309
-
-
Income
197 000
197 000
197 000
197 000
Total tax
71 718
74 709
95 197
72 636
After tax
125 282
122 291
101 803
124 364
Living cost
38 890
38 890
38 890
38 890
Free-cash
86 392
83 401
62 913
85 474

Estimated living cost  is ₽38890 per week

₽25403
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3741
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽619
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.
₽9129
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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