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
₽87677
₽64902
₽90323
₽87468
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
municipal
-
-
-
34 978
national
-
-
-
38 966
health
-
-
-
2 676
total
-
-
-
76 620
Employee
45 102
-
165 728
-
pensions
3 044
-
11 186
-
unemployment
677
-
2 486
-
national
745
-
25 071
-
municipal
7 387
-
26 976
-
health
337
-
2 195
-
total
12 190
-
67 914
-
Employer
45 102
-
165 728
-
unemployment
293
-
1 077
-
health
347
-
1 275
-
accident
46
-
166
-
pensions
7 825
-
28 754
-
total
8 511
-
31 272
-
Corporate
143 388
197 000
-
-
income
28 677
39 399
-
-
total
28 677
39 399
-
-
Dividends

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

86 033
118 200
-
-
national
8 901
15 737
-
-
municipal
15 486
21 275
-
-
total
24 387
37 012
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 765
76 411
99 186
76 620
After tax
123 235
120 589
97 814
120 380
Living cost
32 912
32 912
32 912
32 912
Free-cash
90 323
87 677
64 902
87 468

Estimated living cost  is ₽32912 per week

₽21498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
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.
₽7726
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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