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
₽86887
₽64534
₽89627
₽87100
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
-
-
-
34 980
national
-
-
-
38 243
health
-
-
-
2 665
total
-
-
-
75 888
Employee
46 609
-
165 727
-
pensions
3 145
-
11 186
-
unemployment
699
-
2 486
-
national
770
-
24 349
-
municipal
7 634
-
26 978
-
health
348
-
2 182
-
total
12 596
-
67 181
-
Employer
46 609
-
165 727
-
unemployment
303
-
1 078
-
health
358
-
1 276
-
accident
47
-
166
-
pensions
8 086
-
28 753
-
total
8 794
-
31 273
-
Corporate
141 597
197 000
-
-
income
28 319
39 400
-
-
total
28 319
39 400
-
-
Dividends

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

84 958
118 200
-
-
national
8 360
15 424
-
-
municipal
15 292
21 277
-
-
total
23 652
36 701
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 361
76 101
98 454
75 888
After tax
123 639
120 899
98 546
121 112
Living cost
34 012
34 012
34 012
34 012
Free-cash
89 627
86 887
64 534
87 100

Estimated living cost  is ₽34012 per week

₽22217
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽7984
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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