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
₽72603
₽70118
₽52961
₽72424
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
-
-
-
29 841
national
-
-
-
28 952
health
-
-
-
2 211
total
-
-
-
61 004
Employee
47 376
-
141 330
-
national
783
-
17 319
-
unemployment
711
-
2 121
-
health
354
-
1 801
-
municipal
7 760
-
23 016
-
pensions
3 197
-
9 540
-
total
12 805
-
53 797
-
Employer
47 376
-
141 330
-
accident
48
-
142
-
pensions
8 220
-
24 520
-
unemployment
308
-
919
-
health
364
-
1 089
-
total
8 940
-
26 670
-
Corporate
111 685
168 000
-
-
income
22 336
33 599
-
-
total
22 336
33 599
-
-
Dividends

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

67 011
100 801
-
-
municipal
12 063
18 144
-
-
national
4 681
11 567
-
-
total
16 744
29 711
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 825
63 310
80 467
61 004
After tax
107 175
104 690
87 533
106 996
Living cost
34 572
34 572
34 572
34 572
Free-cash
72 603
70 118
52 961
72 424

Estimated living cost  is ₽34572 per week

₽22582
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3325
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽8115
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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