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
₽72188
₽69725
₽52574
₽72240
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
-
-
-
28 591
health
-
-
-
2 205
total
-
-
-
60 640
Employee
48 127
-
141 331
-
national
795
-
17 164
-
unemployment
722
-
2 120
-
health
359
-
1 795
-
municipal
7 883
-
23 018
-
pensions
3 248
-
9 541
-
total
13 007
-
53 638
-
Employer
48 127
-
141 331
-
accident
49
-
141
-
pensions
8 350
-
24 521
-
unemployment
312
-
918
-
health
370
-
1 088
-
total
9 081
-
26 668
-
Corporate
110 793
168 000
-
-
income
22 159
33 600
-
-
total
22 159
33 600
-
-
Dividends

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

66 475
100 800
-
-
municipal
11 966
18 144
-
-
national
4 479
11 411
-
-
total
16 445
29 555
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 692
63 155
80 306
60 640
After tax
107 308
104 845
87 694
107 360
Living cost
35 120
35 120
35 120
35 120
Free-cash
72 188
69 725
52 574
72 240

Estimated living cost  is ₽35120 per week

₽22940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3378
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8244
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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