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
₽64340
₽86465
₽86905
₽89252
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
-
-
-
2 658
national
-
-
-
37 855
municipal
-
-
-
34 981
total
-
-
-
75 494
Employee
47 415
-
165 726
-
pensions
3 200
-
11 187
-
municipal
7 766
-
26 977
-
health
354
-
2 175
-
national
783
-
23 961
-
unemployment
711
-
2 487
-
total
12 814
-
66 787
-
Employer
47 415
-
165 726
-
accident
48
-
166
-
unemployment
308
-
1 077
-
health
364
-
1 276
-
pensions
8 226
-
28 753
-
total
8 946
-
31 272
-
Corporate
140 638
197 000
-
-
income
28 128
39 401
-
-
total
28 128
39 401
-
-
Dividends

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

84 382
118 199
-
-
municipal
15 189
21 276
-
-
national
8 070
15 257
-
-
total
23 259
36 533
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 147
75 934
98 059
75 494
After tax
123 853
121 066
98 941
121 506
Living cost
34 601
34 601
34 601
34 601
Free-cash
89 252
86 465
64 340
86 905

Estimated living cost  is ₽34601 per week

₽22601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3328
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.
₽8122
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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