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
₽88757
₽64079
₽85910
₽86646
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
municipal
-
-
-
34 983
national
-
-
-
37 342
total
-
-
-
74 974
Employee
48 484
-
165 726
-
unemployment
727
-
2 485
-
pensions
3 272
-
11 187
-
municipal
7 941
-
26 980
-
national
801
-
23 448
-
health
362
-
2 167
-
total
13 103
-
66 267
-
Employer
48 484
-
165 726
-
pensions
8 412
-
28 754
-
health
372
-
1 277
-
unemployment
315
-
1 077
-
accident
49
-
166
-
total
9 148
-
31 274
-
Corporate
139 368
197 000
-
-
income
27 874
39 400
-
-
total
27 874
39 400
-
-
Dividends

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

83 620
118 200
-
-
national
7 686
15 034
-
-
municipal
15 052
21 276
-
-
total
22 738
36 310
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 863
75 710
97 541
74 974
After tax
124 137
121 290
99 459
122 026
Living cost
35 380
35 380
35 380
35 380
Free-cash
88 757
85 910
64 079
86 646

Estimated living cost  is ₽35380 per week

₽23110
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3403
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.
₽8305
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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close