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
₽72149
₽69686
₽52537
₽72221
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
-
-
-
28 557
health
-
-
-
2 205
total
-
-
-
60 605
Employee
48 201
-
141 332
-
national
796
-
17 149
-
unemployment
723
-
2 119
-
health
360
-
1 794
-
municipal
7 895
-
23 019
-
pensions
3 253
-
9 540
-
total
13 027
-
53 621
-
Employer
48 201
-
141 332
-
accident
49
-
141
-
pensions
8 363
-
24 521
-
unemployment
313
-
918
-
health
370
-
1 088
-
total
9 095
-
26 668
-
Corporate
110 705
168 000
-
-
income
22 141
33 600
-
-
total
22 141
33 600
-
-
Dividends

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

66 423
100 800
-
-
municipal
11 956
18 144
-
-
national
4 458
11 396
-
-
total
16 414
29 540
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 677
63 140
80 289
60 605
After tax
107 323
104 860
87 711
107 395
Living cost
35 174
35 174
35 174
35 174
Free-cash
72 149
69 686
52 537
72 221

Estimated living cost  is ₽35174 per week

₽22975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽8256
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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