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
₽86993
₽89422
₽64428
₽86658
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
-
-
-
38 033
municipal
-
-
-
34 981
health
-
-
-
2 661
total
-
-
-
75 675
Employee
47 047
-
165 727
-
pensions
3 175
-
11 186
-
health
351
-
2 179
-
municipal
7 706
-
26 978
-
unemployment
706
-
2 486
-
national
777
-
24 138
-
total
12 715
-
66 967
-
Employer
47 047
-
165 727
-
pensions
8 162
-
28 753
-
health
361
-
1 276
-
unemployment
305
-
1 078
-
accident
48
-
166
-
total
8 876
-
31 273
-
Corporate
141 076
197 000
-
-
income
28 215
39 400
-
-
total
28 215
39 400
-
-
Dividends

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

84 645
118 200
-
-
municipal
15 237
21 277
-
-
national
8 203
15 333
-
-
total
23 440
36 610
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 246
76 010
98 240
75 675
After tax
123 754
120 990
98 760
121 325
Living cost
34 332
34 332
34 332
34 332
Free-cash
89 422
86 658
64 428
86 993

Estimated living cost  is ₽34332 per week

₽22425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3302
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽8059
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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