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
₽ 199000
per

Your estimated
City
free-cash

Helsinki , Finland
₽84669
₽86541
₽63743
₽87717
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

-
-
-
199 000
health
-
-
-
2 643
municipal
-
-
-
35 343
national
-
-
-
35 776
total
-
-
-
73 762
Employee
53 029
-
167 409
-
municipal
8 686
-
27 260
-
pensions
3 579
-
11 300
-
unemployment
796
-
2 511
-
national
876
-
21 741
-
health
396
-
2 158
-
total
14 333
-
64 970
-
Employer
53 029
-
167 409
-
accident
54
-
168
-
unemployment
344
-
1 088
-
health
407
-
1 289
-
pensions
9 200
-
29 045
-
total
10 005
-
31 590
-
Corporate
135 966
199 000
-
-
income
27 193
39 800
-
-
total
27 193
39 800
-
-
Dividends

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

81 579
119 400
-
-
municipal
14 684
21 491
-
-
national
6 371
14 343
-
-
total
21 055
35 834
-
-
Income
199 000
199 000
199 000
199 000
Total tax
72 586
75 634
96 560
73 762
After tax
126 414
123 366
102 440
125 238
Living cost
38 697
38 697
38 697
38 697
Free-cash
87 717
84 669
63 743
86 541

Estimated living cost  is ₽38697 per week

₽25277
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3722
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽616
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.
₽9084
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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