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

Best value All models

City

free-cash

Helsinki , Finland

₽89055

₽86245

₽64235

₽86801

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

34 982

national

37 652

health

2 654

total

75 288

Employee

47 841

165 727

national

790

23 755

unemployment

718

2 487

health

357

2 173

municipal

7 836

26 978

pensions

3 229

11 187

total

12 930

66 580

Employer

47 841

165 727

accident

166

pensions

8 300

28 754

unemployment

311

1 077

health

368

1 277

total

9 027

31 274

Corporate

140 132

197 000

income

28 026

39 401

total

28 026

39 401

Dividends

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

84 080

118 199

municipal

15 134

21 275

national

7 917

15 168

total

23 051

36 443

Income

197 000

Total tax

73 034

75 844

97 854

75 288

After tax

123 966

121 156

99 146

121 712

Living cost

34 911

Free-cash

89 055

86 245

64 235

86 801

Estimated living cost is ₽34911 per week

₽22804

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₽3358

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽556

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.

₽8195

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.

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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.