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
₽87054
₽89537
₽64487
₽86788
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
-
-
-
38 150
municipal
-
-
-
34 981
health
-
-
-
2 662
total
-
-
-
75 793
Employee
46 802
-
165 728
-
pensions
3 158
-
11 187
-
health
349
-
2 181
-
municipal
7 666
-
26 978
-
unemployment
702
-
2 487
-
national
773
-
24 255
-
total
12 648
-
67 088
-
Employer
46 802
-
165 728
-
pensions
8 120
-
28 754
-
health
360
-
1 276
-
unemployment
304
-
1 077
-
accident
47
-
165
-
total
8 831
-
31 272
-
Corporate
141 368
197 000
-
-
income
28 274
39 401
-
-
total
28 274
39 401
-
-
Dividends

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

84 820
118 200
-
-
municipal
15 267
21 275
-
-
national
8 290
15 383
-
-
total
23 557
36 658
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 310
76 059
98 360
75 793
After tax
123 690
120 941
98 640
121 207
Living cost
34 153
34 153
34 153
34 153
Free-cash
89 537
86 788
64 487
87 054

Estimated living cost  is ₽34153 per week

₽22308
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3285
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽8017
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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