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
₽ 197500
per

Your estimated
City
free-cash

Helsinki , Finland
₽83634
₽86636
₽85702
₽63079
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

-
-
-
197 500
municipal
-
-
-
35 078
health
-
-
-
2 619
national
-
-
-
35 144
total
-
-
-
72 841
Employee
53 385
-
166 148
-
health
399
-
2 135
-
municipal
8 744
-
27 056
-
pensions
3 603
-
11 214
-
unemployment
801
-
2 492
-
national
882
-
21 214
-
total
14 429
-
64 111
-
Employer
53 385
-
166 148
-
accident
54
-
166
-
unemployment
347
-
1 080
-
pensions
9 262
-
28 828
-
health
410
-
1 279
-
total
10 073
-
31 353
-
Corporate
134 043
197 500
-
-
income
26 808
39 501
-
-
total
26 808
39 501
-
-
Dividends

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

80 426
118 499
-
-
national
6 121
14 079
-
-
municipal
14 476
21 329
-
-
total
20 597
35 408
-
-
Income
197 500
197 500
197 500
197 500
Total tax
71 907
74 909
95 464
72 841
After tax
125 593
122 591
102 036
124 659
Living cost
38 957
38 957
38 957
38 957
Free-cash
86 636
83 634
63 079
85 702

Estimated living cost  is ₽38957 per week

₽25446
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3747
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽620
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.
₽9144
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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