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
₽88823
₽64114
₽85984
₽86679
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
-
-
-
2 650
municipal
-
-
-
34 983
national
-
-
-
37 412
total
-
-
-
75 045
Employee
48 341
-
165 726
-
unemployment
725
-
2 486
-
pensions
3 262
-
11 187
-
municipal
7 918
-
26 979
-
national
799
-
23 515
-
health
361
-
2 169
-
total
13 065
-
66 336
-
Employer
48 341
-
165 726
-
pensions
8 387
-
28 754
-
health
371
-
1 276
-
unemployment
314
-
1 078
-
accident
49
-
166
-
total
9 121
-
31 274
-
Corporate
139 538
197 000
-
-
income
27 907
39 399
-
-
total
27 907
39 399
-
-
Dividends

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

83 723
118 201
-
-
national
7 738
15 065
-
-
municipal
15 070
21 276
-
-
total
22 808
36 341
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 901
75 740
97 610
75 045
After tax
124 099
121 260
99 390
121 955
Living cost
35 276
35 276
35 276
35 276
Free-cash
88 823
85 984
64 114
86 679

Estimated living cost  is ₽35276 per week

₽23042
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
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.
₽8281
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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