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
₽88918
₽86090
₽64165
₽86728
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
-
-
-
34 983
national
-
-
-
37 510
health
-
-
-
2 651
total
-
-
-
75 144
Employee
48 138
-
165 729
-
national
795
-
23 614
-
unemployment
722
-
2 486
-
health
359
-
2 170
-
municipal
7 885
-
26 979
-
pensions
3 249
-
11 187
-
total
13 010
-
66 436
-
Employer
48 138
-
165 729
-
accident
49
-
165
-
pensions
8 352
-
28 753
-
unemployment
313
-
1 077
-
health
370
-
1 276
-
total
9 084
-
31 271
-
Corporate
139 780
197 000
-
-
income
27 956
39 400
-
-
total
27 956
39 400
-
-
Dividends

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

83 868
118 200
-
-
municipal
15 095
21 277
-
-
national
7 809
15 105
-
-
total
22 904
36 382
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 954
75 782
97 707
75 144
After tax
124 046
121 218
99 293
121 856
Living cost
35 128
35 128
35 128
35 128
Free-cash
88 918
86 090
64 165
86 728

Estimated living cost  is ₽35128 per week

₽22945
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3379
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8246
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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