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
₽88733
₽64069
₽85882
₽86633
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
-
-
-
2 649
municipal
-
-
-
34 983
national
-
-
-
37 317
total
-
-
-
74 949
Employee
48 536
-
165 726
-
unemployment
728
-
2 486
-
pensions
3 275
-
11 187
-
municipal
7 950
-
26 979
-
national
802
-
23 422
-
health
362
-
2 167
-
total
13 117
-
66 241
-
Employer
48 536
-
165 726
-
pensions
8 421
-
28 753
-
health
373
-
1 276
-
unemployment
315
-
1 077
-
accident
49
-
166
-
total
9 158
-
31 272
-
Corporate
139 307
197 000
-
-
income
27 862
39 400
-
-
total
27 862
39 400
-
-
Dividends

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

83 584
118 200
-
-
national
7 667
15 024
-
-
municipal
15 045
21 276
-
-
total
22 712
36 300
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 849
75 700
97 513
74 949
After tax
124 151
121 300
99 487
122 051
Living cost
35 418
35 418
35 418
35 418
Free-cash
88 733
85 882
64 069
86 633

Estimated living cost  is ₽35418 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽564
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.
₽8314
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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