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
₽ 168000
per

Your estimated
City
free-cash

Helsinki , Finland
₽72182
₽69720
₽52568
₽72236
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

-
-
-
168 000
municipal
-
-
-
29 844
national
-
-
-
28 587
health
-
-
-
2 205
total
-
-
-
60 636
Employee
48 138
-
141 330
-
national
795
-
17 163
-
unemployment
722
-
2 120
-
health
359
-
1 795
-
municipal
7 885
-
23 018
-
pensions
3 249
-
9 539
-
total
13 010
-
53 635
-
Employer
48 138
-
141 330
-
accident
49
-
141
-
pensions
8 352
-
24 520
-
unemployment
313
-
919
-
health
370
-
1 089
-
total
9 084
-
26 669
-
Corporate
110 780
168 000
-
-
income
22 155
33 599
-
-
total
22 155
33 599
-
-
Dividends

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

66 468
100 801
-
-
municipal
11 965
18 144
-
-
national
4 476
11 409
-
-
total
16 441
29 553
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 690
63 152
80 304
60 636
After tax
107 310
104 848
87 696
107 364
Living cost
35 128
35 128
35 128
35 128
Free-cash
72 182
69 720
52 568
72 236

Estimated living cost  is ₽35128 per week

₽22945
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3379
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8246
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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