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
₽88966
₽64188
₽86755
₽86146
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
-
-
-
37 560
municipal
-
-
-
34 983
health
-
-
-
2 652
total
-
-
-
75 195
Employee
48 031
-
165 726
-
health
359
-
2 171
-
unemployment
721
-
2 486
-
municipal
7 867
-
26 979
-
national
793
-
23 666
-
pensions
3 241
-
11 186
-
total
12 981
-
66 488
-
Employer
48 031
-
165 726
-
pensions
8 333
-
28 753
-
health
369
-
1 277
-
accident
49
-
166
-
unemployment
312
-
1 078
-
total
9 063
-
31 274
-
Corporate
139 907
197 000
-
-
income
27 981
39 399
-
-
total
27 981
39 399
-
-
Dividends

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

83 944
118 201
-
-
national
7 849
15 129
-
-
municipal
15 110
21 276
-
-
total
22 959
36 405
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 984
75 804
97 762
75 195
After tax
124 016
121 196
99 238
121 805
Living cost
35 050
35 050
35 050
35 050
Free-cash
88 966
86 146
64 188
86 755

Estimated living cost  is ₽35050 per week

₽22894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
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.
₽8227
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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