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
₽71618
₽69187
₽52039
₽71990
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
-
-
-
28 096
health
-
-
-
2 197
total
-
-
-
60 137
Employee
49 160
-
141 330
-
national
812
-
16 951
-
unemployment
738
-
2 121
-
health
367
-
1 787
-
municipal
8 052
-
23 019
-
pensions
3 318
-
9 540
-
total
13 287
-
53 418
-
Employer
49 160
-
141 330
-
accident
50
-
142
-
pensions
8 529
-
24 521
-
unemployment
319
-
918
-
health
378
-
1 089
-
total
9 276
-
26 670
-
Corporate
109 565
168 000
-
-
income
21 913
33 600
-
-
total
21 913
33 600
-
-
Dividends

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

65 739
100 800
-
-
municipal
11 832
18 145
-
-
national
4 201
11 195
-
-
total
16 033
29 340
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 509
62 940
80 088
60 137
After tax
107 491
105 060
87 912
107 863
Living cost
35 873
35 873
35 873
35 873
Free-cash
71 618
69 187
52 039
71 990

Estimated living cost  is ₽35873 per week

₽23432
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3451
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
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.
₽8421
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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