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
₽72366
₽69891
₽52737
₽72318
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
-
-
-
29 843
national
-
-
-
28 742
health
-
-
-
2 207
total
-
-
-
60 792
Employee
47 812
-
141 330
-
national
790
-
17 230
-
unemployment
717
-
2 119
-
health
357
-
1 797
-
municipal
7 831
-
23 018
-
pensions
3 227
-
9 540
-
total
12 922
-
53 704
-
Employer
47 812
-
141 330
-
accident
48
-
141
-
pensions
8 295
-
24 521
-
unemployment
310
-
919
-
health
367
-
1 088
-
total
9 020
-
26 669
-
Corporate
111 167
168 000
-
-
income
22 233
33 599
-
-
total
22 233
33 599
-
-
Dividends

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

66 700
100 800
-
-
municipal
12 006
18 144
-
-
national
4 563
11 476
-
-
total
16 569
29 620
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 744
63 219
80 373
60 792
After tax
107 256
104 781
87 627
107 208
Living cost
34 890
34 890
34 890
34 890
Free-cash
72 366
69 891
52 737
72 318

Estimated living cost  is ₽34890 per week

₽22790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3356
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
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.
₽8190
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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