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
₽87995
₽63679
₽85051
₽86246
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
-
-
-
2 636
municipal
-
-
-
34 985
national
-
-
-
36 553
total
-
-
-
74 174
Employee
50 129
-
165 725
-
unemployment
752
-
2 486
-
pensions
3 383
-
11 187
-
municipal
8 211
-
26 981
-
national
828
-
22 658
-
health
374
-
2 155
-
total
13 548
-
65 467
-
Employer
50 129
-
165 725
-
pensions
8 697
-
28 753
-
health
385
-
1 277
-
unemployment
325
-
1 078
-
accident
51
-
166
-
total
9 458
-
31 274
-
Corporate
137 413
197 000
-
-
income
27 483
39 401
-
-
total
27 483
39 401
-
-
Dividends

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

82 447
118 200
-
-
national
7 095
14 692
-
-
municipal
14 841
21 276
-
-
total
21 936
35 968
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 425
75 369
96 741
74 174
After tax
124 575
121 631
100 259
122 826
Living cost
36 580
36 580
36 580
36 580
Free-cash
87 995
85 051
63 679
86 246

Estimated living cost  is ₽36580 per week

₽23894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
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.
₽8587
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close