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
₽87940
₽84989
₽63651
₽86215
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
-
-
-
34 986
national
-
-
-
36 496
health
-
-
-
2 635
total
-
-
-
74 117
Employee
50 249
-
165 728
-
national
830
-
22 600
-
unemployment
754
-
2 487
-
health
375
-
2 153
-
municipal
8 230
-
26 982
-
pensions
3 391
-
11 186
-
total
13 580
-
65 408
-
Employer
50 249
-
165 728
-
accident
51
-
165
-
pensions
8 718
-
28 755
-
unemployment
326
-
1 077
-
health
386
-
1 276
-
total
9 481
-
31 273
-
Corporate
137 270
197 000
-
-
income
27 453
39 399
-
-
total
27 453
39 399
-
-
Dividends

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

82 362
118 201
-
-
municipal
14 826
21 276
-
-
national
7 052
14 668
-
-
total
21 878
35 944
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 392
75 343
96 681
74 117
After tax
124 608
121 657
100 319
122 883
Living cost
36 668
36 668
36 668
36 668
Free-cash
87 940
84 989
63 651
86 215

Estimated living cost  is ₽36668 per week

₽23952
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8607
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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