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
₽63271
₽85837
₽84176
₽87220
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
-
-
-
35 749
health
-
-
-
2 623
municipal
-
-
-
34 988
total
-
-
-
73 360
Employee
51 804
-
165 726
-
municipal
8 485
-
26 985
-
health
387
-
2 141
-
national
856
-
21 855
-
pensions
3 496
-
11 187
-
unemployment
777
-
2 485
-
total
14 001
-
64 653
-
Employer
51 804
-
165 726
-
unemployment
336
-
1 078
-
pensions
8 988
-
28 753
-
health
398
-
1 276
-
accident
52
-
166
-
total
9 774
-
31 273
-
Corporate
135 422
197 000
-
-
income
27 084
39 400
-
-
total
27 084
39 400
-
-
Dividends

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

81 253
118 200
-
-
municipal
14 625
21 277
-
-
national
6 493
14 344
-
-
total
21 118
35 621
-
-
Income
197 000
197 000
197 000
197 000
Total tax
71 977
75 021
95 926
73 360
After tax
125 023
121 979
101 074
123 640
Living cost
37 803
37 803
37 803
37 803
Free-cash
87 220
84 176
63 271
85 837

Estimated living cost  is ₽37803 per week

₽24693
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽602
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.
₽8874
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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