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
₽65117
₽87682
₽90727
₽88130
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
-
-
-
39 386
health
-
-
-
2 683
municipal
-
-
-
34 976
total
-
-
-
77 045
Employee
44 226
-
165 728
-
health
330
-
2 201
-
municipal
7 244
-
26 973
-
pensions
2 985
-
11 187
-
unemployment
664
-
2 485
-
national
731
-
25 492
-
total
11 954
-
68 338
-
Employer
44 226
-
165 728
-
accident
45
-
166
-
pensions
7 673
-
28 753
-
unemployment
287
-
1 077
-
health
340
-
1 276
-
total
8 345
-
31 272
-
Corporate
144 430
197 000
-
-
income
28 886
39 400
-
-
total
28 886
39 400
-
-
Dividends

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

86 658
118 200
-
-
national
9 217
15 920
-
-
municipal
15 598
21 277
-
-
total
24 815
37 197
-
-
Income
197 000
197 000
197 000
197 000
Total tax
74 000
76 597
99 610
77 045
After tax
123 000
120 403
97 390
119 955
Living cost
32 273
32 273
32 273
32 273
Free-cash
90 727
88 130
65 117
87 682

Estimated living cost  is ₽32273 per week

₽21081
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3104
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
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.
₽7576
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close