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
₽86901
₽89243
₽64334
₽86457
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
-
-
-
37 844
health
-
-
-
2 657
municipal
-
-
-
34 981
total
-
-
-
75 482
Employee
47 438
-
165 727
-
unemployment
712
-
2 486
-
municipal
7 770
-
26 978
-
national
784
-
23 949
-
pensions
3 201
-
11 187
-
health
354
-
2 176
-
total
12 821
-
66 776
-
Employer
47 438
-
165 727
-
pensions
8 230
-
28 753
-
health
364
-
1 276
-
accident
48
-
166
-
unemployment
308
-
1 078
-
total
8 950
-
31 273
-
Corporate
140 611
197 000
-
-
income
28 121
39 399
-
-
total
28 121
39 399
-
-
Dividends

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

84 367
118 201
-
-
municipal
15 186
21 275
-
-
national
8 062
15 252
-
-
total
23 248
36 527
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 140
75 926
98 049
75 482
After tax
123 860
121 074
98 951
121 518
Living cost
34 617
34 617
34 617
34 617
Free-cash
89 243
86 457
64 334
86 901

Estimated living cost  is ₽34617 per week

₽22612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3330
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
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.
₽8126
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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