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
₽71753
₽69313
₽52166
₽72051
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
-
-
-
28 212
health
-
-
-
2 198
total
-
-
-
60 254
Employee
48 915
-
141 330
-
national
808
-
17 001
-
unemployment
734
-
2 121
-
health
365
-
1 789
-
municipal
8 012
-
23 018
-
pensions
3 301
-
9 540
-
total
13 220
-
53 469
-
Employer
48 915
-
141 330
-
accident
49
-
141
-
pensions
8 487
-
24 521
-
unemployment
318
-
919
-
health
376
-
1 089
-
total
9 230
-
26 670
-
Corporate
109 855
168 000
-
-
income
21 971
33 600
-
-
total
21 971
33 600
-
-
Dividends

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

65 913
100 800
-
-
municipal
11 865
18 145
-
-
national
4 266
11 247
-
-
total
16 131
29 392
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 552
62 992
80 139
60 254
After tax
107 448
105 008
87 861
107 746
Living cost
35 695
35 695
35 695
35 695
Free-cash
71 753
69 313
52 166
72 051

Estimated living cost  is ₽35695 per week

₽23316
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
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.
₽8379
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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