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
₽86815
₽89079
₽64249
₽86273
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
-
-
-
37 674
municipal
-
-
-
34 981
health
-
-
-
2 655
total
-
-
-
75 310
Employee
47 792
-
165 728
-
pensions
3 225
-
11 186
-
health
357
-
2 174
-
municipal
7 828
-
26 979
-
unemployment
717
-
2 486
-
national
790
-
23 780
-
total
12 917
-
66 605
-
Employer
47 792
-
165 728
-
pensions
8 292
-
28 753
-
health
367
-
1 276
-
unemployment
310
-
1 077
-
accident
48
-
165
-
total
9 017
-
31 271
-
Corporate
140 191
197 000
-
-
income
28 038
39 399
-
-
total
28 038
39 399
-
-
Dividends

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

84 115
118 200
-
-
municipal
15 140
21 275
-
-
national
7 934
15 178
-
-
total
23 074
36 453
-
-
Income
197 000
197 000
197 000
197 000
Total tax
73 046
75 852
97 876
75 310
After tax
123 954
121 148
99 124
121 690
Living cost
34 875
34 875
34 875
34 875
Free-cash
89 079
86 273
64 249
86 815

Estimated living cost  is ₽34875 per week

₽22780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
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.
₽8186
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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