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
₽71951
₽69504
₽52355
₽72137
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
-
-
-
28 387
health
-
-
-
2 201
total
-
-
-
60 432
Employee
48 554
-
141 329
-
national
802
-
17 076
-
unemployment
729
-
2 119
-
health
363
-
1 792
-
municipal
7 953
-
23 019
-
pensions
3 277
-
9 539
-
total
13 124
-
53 545
-
Employer
48 554
-
141 329
-
accident
49
-
142
-
pensions
8 424
-
24 520
-
unemployment
315
-
919
-
health
373
-
1 088
-
total
9 161
-
26 669
-
Corporate
110 285
168 000
-
-
income
22 058
33 600
-
-
total
22 058
33 600
-
-
Dividends

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

66 171
100 800
-
-
municipal
11 911
18 143
-
-
national
4 364
11 322
-
-
total
16 275
29 465
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 618
63 065
80 214
60 432
After tax
107 382
104 935
87 786
107 568
Living cost
35 431
35 431
35 431
35 431
Free-cash
71 951
69 504
52 355
72 137

Estimated living cost  is ₽35431 per week

₽23143
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3408
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽564
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.
₽8317
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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