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
₽88949
₽64182
₽86128
₽86746
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
-
-
-
2 653
municipal
-
-
-
34 982
national
-
-
-
37 542
total
-
-
-
75 177
Employee
48 068
-
165 728
-
unemployment
721
-
2 486
-
pensions
3 244
-
11 186
-
municipal
7 873
-
26 979
-
national
794
-
23 647
-
health
359
-
2 171
-
total
12 991
-
66 469
-
Employer
48 068
-
165 728
-
pensions
8 339
-
28 753
-
health
369
-
1 276
-
unemployment
312
-
1 077
-
accident
49
-
166
-
total
9 069
-
31 272
-
Corporate
139 863
197 000
-
-
income
27 973
39 400
-
-
total
27 973
39 400
-
-
Dividends

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

83 917
118 200
-
-
national
7 836
15 120
-
-
municipal
15 105
21 275
-
-
total
22 941
36 395
-
-
Income
197 000
197 000
197 000
197 000
Total tax
72 974
75 795
97 741
75 177
After tax
124 026
121 205
99 259
121 823
Living cost
35 077
35 077
35 077
35 077
Free-cash
88 949
86 128
64 182
86 746

Estimated living cost  is ₽35077 per week

₽22912
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3374
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
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.
₽8234
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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