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
₽ 200000
per

Your estimated
City
free-cash

Helsinki , Finland
₽85327
₽88406
₽87081
₽64175
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

-
-
-
200 000
municipal
-
-
-
35 522
health
-
-
-
2 661
national
-
-
-
36 172
total
-
-
-
74 355
Employee
52 847
-
168 251
-
health
395
-
2 171
-
municipal
8 656
-
27 396
-
pensions
3 566
-
11 357
-
unemployment
793
-
2 524
-
national
873
-
22 064
-
total
14 283
-
65 512
-
Employer
52 847
-
168 251
-
accident
53
-
168
-
unemployment
343
-
1 094
-
pensions
9 169
-
29 191
-
health
406
-
1 296
-
total
9 971
-
31 749
-
Corporate
137 182
200 000
-
-
income
27 436
39 999
-
-
total
27 436
39 999
-
-
Dividends

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

82 309
120 001
-
-
national
6 525
14 509
-
-
municipal
14 815
21 601
-
-
total
21 340
36 110
-
-
Income
200 000
200 000
200 000
200 000
Total tax
73 030
76 109
97 261
74 355
After tax
126 970
123 891
102 739
125 645
Living cost
38 564
38 564
38 564
38 564
Free-cash
88 406
85 327
64 175
87 081

Estimated living cost  is ₽38564 per week

₽25190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
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.
₽9052
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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