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
₽88051
₽63710
₽86275
₽85116
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
-
-
-
36 611
health
-
-
-
2 637
municipal
-
-
-
34 985
total
-
-
-
74 233
Employee
50 007
-
165 729
-
pensions
3 375
-
11 187
-
national
826
-
22 717
-
unemployment
750
-
2 486
-
municipal
8 191
-
26 982
-
health
373
-
2 155
-
total
13 515
-
65 527
-
Employer
50 007
-
165 729
-
accident
51
-
166
-
unemployment
325
-
1 077
-
health
384
-
1 275
-
pensions
8 676
-
28 753
-
total
9 436
-
31 271
-
Corporate
137 557
197 000
-
-
income
27 511
39 401
-
-
total
27 511
39 401
-
-
Dividends

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

82 535
118 199
-
-
national
7 139
14 716
-
-
municipal
14 856
21 275
-
-
total
21 995
35 991
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 457
75 392
96 798
74 233
After tax
124 543
121 608
100 202
122 767
Living cost
36 492
36 492
36 492
36 492
Free-cash
88 051
85 116
63 710
86 275

Estimated living cost  is ₽36492 per week

₽23836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3510
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽8566
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close