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
₽72110
₽69648
₽52503
₽72206
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
-
-
-
28 520
health
-
-
-
2 204
total
-
-
-
60 567
Employee
48 274
-
141 330
-
national
797
-
17 133
-
unemployment
724
-
2 119
-
health
360
-
1 793
-
municipal
7 907
-
23 017
-
pensions
3 258
-
9 540
-
total
13 046
-
53 602
-
Employer
48 274
-
141 330
-
accident
49
-
141
-
pensions
8 375
-
24 520
-
unemployment
313
-
919
-
health
371
-
1 088
-
total
9 108
-
26 668
-
Corporate
110 617
168 000
-
-
income
22 124
33 601
-
-
total
22 124
33 601
-
-
Dividends

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

66 370
100 800
-
-
municipal
11 947
18 144
-
-
national
4 438
11 380
-
-
total
16 385
29 524
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 663
63 125
80 270
60 567
After tax
107 337
104 875
87 730
107 433
Living cost
35 227
35 227
35 227
35 227
Free-cash
72 110
69 648
52 503
72 206

Estimated living cost  is ₽35227 per week

₽23010
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
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.
₽8269
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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