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
₽64525
₽86865
₽87089
₽89606
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
-
-
-
2 664
municipal
-
-
-
34 981
national
-
-
-
38 221
total
-
-
-
75 866
Employee
46 653
-
165 729
-
unemployment
700
-
2 485
-
municipal
7 641
-
26 978
-
pensions
3 148
-
11 187
-
health
348
-
2 183
-
national
771
-
24 326
-
total
12 608
-
67 159
-
Employer
46 653
-
165 729
-
accident
47
-
165
-
health
358
-
1 276
-
unemployment
303
-
1 077
-
pensions
8 094
-
28 753
-
total
8 802
-
31 271
-
Corporate
141 544
197 000
-
-
income
28 309
39 400
-
-
total
28 309
39 400
-
-
Dividends

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

84 926
118 200
-
-
municipal
15 286
21 275
-
-
national
8 344
15 415
-
-
total
23 630
36 690
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 349
76 090
98 430
75 866
After tax
123 651
120 910
98 570
121 134
Living cost
34 045
34 045
34 045
34 045
Free-cash
89 606
86 865
64 525
87 089

Estimated living cost  is ₽34045 per week

₽22238
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3275
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽7991
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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