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
₽71133
₽68730
₽51590
₽71778
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
-
-
-
29 845
national
-
-
-
27 676
health
-
-
-
2 191
total
-
-
-
59 712
Employee
50 033
-
141 331
-
national
827
-
16 772
-
unemployment
751
-
2 120
-
health
374
-
1 779
-
municipal
8 195
-
23 020
-
pensions
3 376
-
9 539
-
total
13 523
-
53 230
-
Employer
50 033
-
141 331
-
accident
51
-
141
-
pensions
8 680
-
24 522
-
unemployment
325
-
919
-
health
384
-
1 088
-
total
9 440
-
26 670
-
Corporate
108 527
168 000
-
-
income
21 706
33 601
-
-
total
21 706
33 601
-
-
Dividends

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

65 116
100 799
-
-
municipal
11 721
18 144
-
-
national
3 967
11 015
-
-
total
15 688
29 159
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 357
62 760
79 900
59 712
After tax
107 643
105 240
88 100
108 288
Living cost
36 510
36 510
36 510
36 510
Free-cash
71 133
68 730
51 590
71 778

Estimated living cost  is ₽36510 per week

₽23848
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽8570
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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