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
₽83908
₽63144
₽85710
₽86931
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
-
-
-
2 620
municipal
-
-
-
34 988
national
-
-
-
35 500
total
-
-
-
73 108
Employee
52 323
-
165 726
-
municipal
8 570
-
26 986
-
unemployment
785
-
2 486
-
pensions
3 531
-
11 186
-
national
864
-
21 606
-
health
391
-
2 136
-
total
14 141
-
64 400
-
Employer
52 323
-
165 726
-
health
402
-
1 276
-
pensions
9 078
-
28 754
-
accident
53
-
166
-
unemployment
340
-
1 078
-
total
9 873
-
31 274
-
Corporate
134 805
197 000
-
-
income
26 961
39 400
-
-
total
26 961
39 400
-
-
Dividends

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

80 882
118 200
-
-
municipal
14 558
21 275
-
-
national
6 354
14 235
-
-
total
20 912
35 510
-
-
Income
197 000
197 000
197 000
197 000
Total tax
71 887
74 910
95 674
73 108
After tax
125 113
122 090
101 326
123 892
Living cost
38 182
38 182
38 182
38 182
Free-cash
86 931
83 908
63 144
85 710

Estimated living cost  is ₽38182 per week

₽24940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3673
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8963
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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