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
₽71913
₽52317
₽69467
₽72121
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
health
-
-
-
2 201
municipal
-
-
-
29 844
national
-
-
-
28 353
total
-
-
-
60 398
Employee
48 622
-
141 329
-
unemployment
730
-
2 120
-
pensions
3 281
-
9 540
-
municipal
7 964
-
23 018
-
national
803
-
17 062
-
health
363
-
1 791
-
total
13 141
-
53 531
-
Employer
48 622
-
141 329
-
pensions
8 436
-
24 521
-
health
374
-
1 089
-
unemployment
316
-
919
-
accident
49
-
142
-
total
9 175
-
26 671
-
Corporate
110 204
168 000
-
-
income
22 041
33 600
-
-
total
22 041
33 600
-
-
Dividends

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

66 122
100 800
-
-
national
4 346
11 308
-
-
municipal
11 903
18 144
-
-
total
16 249
29 452
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 606
63 052
80 202
60 398
After tax
107 394
104 948
87 798
107 602
Living cost
35 481
35 481
35 481
35 481
Free-cash
71 913
69 467
52 317
72 121

Estimated living cost  is ₽35481 per week

₽23176
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3413
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
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.
₽8329
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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