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
₽88279
₽85371
₽63832
₽86395
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
health
-
-
-
2 641
national
-
-
-
36 847
total
-
-
-
74 472
Employee
49 516
-
165 725
-
national
818
-
22 952
-
unemployment
743
-
2 486
-
health
370
-
2 159
-
pensions
3 342
-
11 186
-
municipal
8 110
-
26 981
-
total
13 383
-
65 764
-
Employer
49 516
-
165 725
-
health
380
-
1 275
-
accident
50
-
166
-
unemployment
321
-
1 077
-
pensions
8 591
-
28 753
-
total
9 342
-
31 271
-
Corporate
138 142
197 000
-
-
income
27 628
39 399
-
-
total
27 628
39 399
-
-
Dividends

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

82 886
118 201
-
-
municipal
14 920
21 277
-
-
national
7 315
14 820
-
-
total
22 235
36 097
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 588
75 496
97 035
74 472
After tax
124 412
121 504
99 965
122 528
Living cost
36 133
36 133
36 133
36 133
Free-cash
88 279
85 371
63 832
86 395

Estimated living cost  is ₽36133 per week

₽23602
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3476
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
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.
₽8482
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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