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
₽67228
₽50101
₽71076
₽69538
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
-
-
-
2 168
municipal
-
-
-
29 850
national
-
-
-
26 293
total
-
-
-
58 311
Employee
52 914
-
141 331
-
municipal
8 667
-
23 025
-
unemployment
794
-
2 120
-
pensions
3 571
-
9 539
-
national
874
-
16 177
-
health
395
-
1 756
-
total
14 301
-
52 617
-
Employer
52 914
-
141 331
-
health
407
-
1 088
-
pensions
9 180
-
24 522
-
accident
53
-
141
-
unemployment
344
-
918
-
total
9 984
-
26 669
-
Corporate
105 102
168 000
-
-
income
21 021
33 601
-
-
total
21 021
33 601
-
-
Dividends

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

63 060
100 799
-
-
municipal
11 350
18 143
-
-
national
3 193
10 415
-
-
total
14 543
28 558
-
-
Income
168 000
168 000
168 000
168 000
Total tax
59 849
62 159
79 286
58 311
After tax
108 151
105 841
88 714
109 689
Living cost
38 613
38 613
38 613
38 613
Free-cash
69 538
67 228
50 101
71 076

Estimated living cost  is ₽38613 per week

₽25222
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3714
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽615
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.
₽9064
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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