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
₽52084
₽69230
₽72010
₽71665
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
-
-
-
29 845
national
-
-
-
28 137
health
-
-
-
2 198
total
-
-
-
60 180
Employee
49 073
-
141 331
-
health
366
-
1 788
-
pensions
3 312
-
9 540
-
unemployment
736
-
2 120
-
national
811
-
16 969
-
municipal
8 038
-
23 019
-
total
13 263
-
53 436
-
Employer
49 073
-
141 331
-
unemployment
319
-
919
-
accident
50
-
142
-
health
377
-
1 089
-
pensions
8 514
-
24 520
-
total
9 260
-
26 670
-
Corporate
109 668
168 000
-
-
income
21 934
33 601
-
-
total
21 934
33 601
-
-
Dividends

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

65 800
100 800
-
-
national
4 225
11 214
-
-
municipal
11 843
18 145
-
-
total
16 068
29 359
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 525
62 960
80 106
60 180
After tax
107 475
105 040
87 894
107 820
Living cost
35 810
35 810
35 810
35 810
Free-cash
71 665
69 230
52 084
72 010

Estimated living cost  is ₽35810 per week

₽23391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3444
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽570
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.
₽8406
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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