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
₽86988
₽89409
₽64422
₽86647
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
-
-
-
38 019
municipal
-
-
-
34 982
health
-
-
-
2 661
total
-
-
-
75 662
Employee
47 073
-
165 727
-
pensions
3 177
-
11 187
-
health
351
-
2 178
-
municipal
7 710
-
26 978
-
unemployment
706
-
2 486
-
national
778
-
24 126
-
total
12 722
-
66 955
-
Employer
47 073
-
165 727
-
pensions
8 167
-
28 754
-
health
362
-
1 277
-
unemployment
306
-
1 076
-
accident
48
-
166
-
total
8 883
-
31 273
-
Corporate
141 046
197 000
-
-
income
28 209
39 399
-
-
total
28 209
39 399
-
-
Dividends

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

84 628
118 200
-
-
municipal
15 233
21 276
-
-
national
8 194
15 328
-
-
total
23 427
36 604
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 241
76 003
98 228
75 662
After tax
123 759
120 997
98 772
121 338
Living cost
34 350
34 350
34 350
34 350
Free-cash
89 409
86 647
64 422
86 988

Estimated living cost  is ₽34350 per week

₽22438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3304
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽8063
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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