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
₽63751
₽85204
₽86318
₽88133
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
-
-
-
2 639
national
-
-
-
36 694
municipal
-
-
-
34 984
total
-
-
-
74 317
Employee
49 834
-
165 728
-
municipal
8 162
-
26 982
-
national
823
-
22 800
-
pensions
3 363
-
11 187
-
health
372
-
2 157
-
unemployment
748
-
2 486
-
total
13 468
-
65 612
-
Employer
49 834
-
165 728
-
unemployment
324
-
1 077
-
health
383
-
1 276
-
accident
50
-
165
-
pensions
8 646
-
28 754
-
total
9 403
-
31 272
-
Corporate
137 764
197 000
-
-
income
27 553
39 401
-
-
total
27 553
39 401
-
-
Dividends

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

82 658
118 200
-
-
national
7 200
14 753
-
-
municipal
14 878
21 277
-
-
total
22 078
36 030
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 502
75 431
96 884
74 317
After tax
124 498
121 569
100 116
122 683
Living cost
36 365
36 365
36 365
36 365
Free-cash
88 133
85 204
63 751
86 318

Estimated living cost  is ₽36365 per week

₽23754
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽8536
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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