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

Best value All models

City

free-cash

Helsinki , Finland

₽87026

₽89483

₽64459

₽86723

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

38 093

municipal

34 980

health

2 662

total

75 735

Employee

46 920

165 726

pensions

3 166

11 187

health

350

2 180

municipal

7 685

26 977

unemployment

704

2 486

national

775

24 198

total

12 680

67 028

Employer

46 920

165 726

pensions

8 140

28 754

health

360

1 276

unemployment

305

1 078

accident

166

total

8 852

31 274

Corporate

141 227

197 000

income

28 246

39 401

total

28 246

39 401

Dividends

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

84 736

118 200

municipal

15 252

21 277

national

8 248

15 360

total

23 500

36 637

Income

197 000

Total tax

73 278

76 038

98 302

75 735

After tax

123 722

120 962

98 698

121 265

Living cost

34 239

Free-cash

89 483

86 723

64 459

87 026

Estimated living cost is ₽34239 per week

₽22365

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₽3293

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽545

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.

₽8037

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.

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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.