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
₽63636
₽84957
₽86200
₽87912
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
-
-
-
34 986
national
-
-
-
36 467
health
-
-
-
2 635
total
-
-
-
74 088
Employee
50 309
-
165 727
-
national
831
-
22 571
-
municipal
8 240
-
26 982
-
unemployment
755
-
2 486
-
pensions
3 395
-
11 187
-
health
376
-
2 154
-
total
13 597
-
65 380
-
Employer
50 309
-
165 727
-
pensions
8 728
-
28 753
-
health
387
-
1 276
-
unemployment
327
-
1 078
-
accident
51
-
165
-
total
9 493
-
31 272
-
Corporate
137 198
197 000
-
-
income
27 439
39 399
-
-
total
27 439
39 399
-
-
Dividends

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

82 319
118 201
-
-
municipal
14 818
21 277
-
-
national
7 029
14 655
-
-
total
21 847
35 932
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 376
75 331
96 652
74 088
After tax
124 624
121 669
100 348
122 912
Living cost
36 712
36 712
36 712
36 712
Free-cash
87 912
84 957
63 636
86 200

Estimated living cost  is ₽36712 per week

₽23980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8618
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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