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
₽88434
₽85547
₽63912
₽86476
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
-
-
-
34 984
national
-
-
-
37 008
health
-
-
-
2 643
total
-
-
-
74 635
Employee
49 181
-
165 729
-
national
812
-
23 113
-
unemployment
738
-
2 485
-
health
367
-
2 162
-
municipal
8 055
-
26 982
-
pensions
3 319
-
11 186
-
total
13 291
-
65 928
-
Employer
49 181
-
165 729
-
accident
50
-
165
-
pensions
8 533
-
28 754
-
unemployment
319
-
1 077
-
health
378
-
1 275
-
total
9 280
-
31 271
-
Corporate
138 539
197 000
-
-
income
27 707
39 399
-
-
total
27 707
39 399
-
-
Dividends

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

83 124
118 201
-
-
municipal
14 963
21 277
-
-
national
7 436
14 888
-
-
total
22 399
36 165
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 677
75 564
97 199
74 635
After tax
124 323
121 436
99 801
122 365
Living cost
35 889
35 889
35 889
35 889
Free-cash
88 434
85 547
63 912
86 476

Estimated living cost  is ₽35889 per week

₽23443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3452
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
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.
₽8424
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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