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
₽83347
₽86336
₽85448
₽62882
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
-
-
-
34 991
health
-
-
-
2 610
national
-
-
-
34 984
total
-
-
-
72 585
Employee
53 399
-
165 727
-
health
399
-
2 128
-
municipal
8 746
-
26 986
-
pensions
3 604
-
11 187
-
unemployment
801
-
2 487
-
national
882
-
21 089
-
total
14 432
-
63 877
-
Employer
53 399
-
165 727
-
accident
54
-
166
-
unemployment
347
-
1 077
-
pensions
9 264
-
28 754
-
health
410
-
1 277
-
total
10 075
-
31 274
-
Corporate
133 526
197 000
-
-
income
26 705
39 399
-
-
total
26 705
39 399
-
-
Dividends

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

80 116
118 200
-
-
national
6 065
14 012
-
-
municipal
14 420
21 275
-
-
total
20 485
35 287
-
-
Income
197 000
197 000
197 000
197 000
Total tax
71 697
74 686
95 151
72 585
After tax
125 303
122 314
101 849
124 415
Living cost
38 967
38 967
38 967
38 967
Free-cash
86 336
83 347
62 882
85 448

Estimated living cost  is ₽38967 per week

₽25453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽620
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.
₽9147
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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