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
₽71369
₽51808
₽68952
₽71879
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
health
-
-
-
2 194
municipal
-
-
-
29 845
national
-
-
-
27 879
total
-
-
-
59 918
Employee
49 612
-
141 332
-
unemployment
744
-
2 121
-
pensions
3 348
-
9 540
-
municipal
8 126
-
23 020
-
national
820
-
16 858
-
health
370
-
1 782
-
total
13 408
-
53 321
-
Employer
49 612
-
141 332
-
pensions
8 607
-
24 521
-
health
381
-
1 088
-
unemployment
322
-
918
-
accident
50
-
141
-
total
9 360
-
26 668
-
Corporate
109 028
168 000
-
-
income
21 805
33 601
-
-
total
21 805
33 601
-
-
Dividends

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

65 417
100 799
-
-
national
4 080
11 101
-
-
municipal
11 775
18 143
-
-
total
15 855
29 244
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 428
62 845
79 989
59 918
After tax
107 572
105 155
88 011
108 082
Living cost
36 203
36 203
36 203
36 203
Free-cash
71 369
68 952
51 808
71 879

Estimated living cost  is ₽36203 per week

₽23648
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
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.
₽8498
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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