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
₽88244
₽85332
₽63812
₽86375
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
-
-
-
34 985
national
-
-
-
36 812
health
-
-
-
2 640
total
-
-
-
74 437
Employee
49 590
-
165 728
-
national
819
-
22 917
-
unemployment
744
-
2 486
-
health
370
-
2 159
-
municipal
8 122
-
26 981
-
pensions
3 347
-
11 186
-
total
13 402
-
65 729
-
Employer
49 590
-
165 728
-
accident
50
-
166
-
pensions
8 604
-
28 753
-
unemployment
322
-
1 077
-
health
381
-
1 275
-
total
9 357
-
31 271
-
Corporate
138 053
197 000
-
-
income
27 610
39 399
-
-
total
27 610
39 399
-
-
Dividends

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

82 832
118 200
-
-
municipal
14 911
21 276
-
-
national
7 288
14 805
-
-
total
22 199
36 081
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 568
75 480
97 000
74 437
After tax
124 432
121 520
100 000
122 563
Living cost
36 188
36 188
36 188
36 188
Free-cash
88 244
85 332
63 812
86 375

Estimated living cost  is ₽36188 per week

₽23638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3481
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
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.
₽8494
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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