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
₽88166
₽63771
₽85246
₽86338
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
health
-
-
-
2 638
municipal
-
-
-
34 984
national
-
-
-
36 731
total
-
-
-
74 353
Employee
49 757
-
165 729
-
unemployment
747
-
2 486
-
pensions
3 358
-
11 186
-
municipal
8 150
-
26 982
-
national
822
-
22 838
-
health
372
-
2 157
-
total
13 449
-
65 649
-
Employer
49 757
-
165 729
-
pensions
8 633
-
28 753
-
health
382
-
1 276
-
unemployment
323
-
1 077
-
accident
50
-
165
-
total
9 388
-
31 271
-
Corporate
137 855
197 000
-
-
income
27 570
39 399
-
-
total
27 570
39 399
-
-
Dividends

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

82 713
118 200
-
-
national
7 229
14 770
-
-
municipal
14 889
21 276
-
-
total
22 118
36 046
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 525
75 445
96 920
74 353
After tax
124 475
121 555
100 080
122 647
Living cost
36 309
36 309
36 309
36 309
Free-cash
88 166
85 246
63 771
86 338

Estimated living cost  is ₽36309 per week

₽23717
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3493
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
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.
₽8523
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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