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
₽88746
₽86641
₽85897
₽64076
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
-
-
-
2 649
national
-
-
-
37 331
municipal
-
-
-
34 983
total
-
-
-
74 963
Employee
48 506
-
165 726
-
pensions
3 273
-
11 187
-
unemployment
728
-
2 486
-
health
362
-
2 168
-
national
801
-
23 436
-
municipal
7 945
-
26 979
-
total
13 109
-
66 256
-
Employer
48 506
-
165 726
-
health
373
-
1 275
-
accident
49
-
166
-
unemployment
315
-
1 078
-
pensions
8 416
-
28 753
-
total
9 153
-
31 272
-
Corporate
139 342
197 000
-
-
income
27 869
39 401
-
-
total
27 869
39 401
-
-
Dividends

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

83 604
118 199
-
-
national
7 679
15 029
-
-
municipal
15 048
21 277
-
-
total
22 727
36 306
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 858
75 707
97 528
74 963
After tax
124 142
121 293
99 472
122 037
Living cost
35 396
35 396
35 396
35 396
Free-cash
88 746
85 897
64 076
86 641

Estimated living cost  is ₽35396 per week

₽23121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
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.
₽8309
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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