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
₽71111
₽51570
₽68711
₽71768
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
-
-
-
2 189
municipal
-
-
-
29 846
national
-
-
-
27 655
total
-
-
-
59 690
Employee
50 076
-
141 329
-
unemployment
751
-
2 120
-
pensions
3 379
-
9 540
-
municipal
8 202
-
23 020
-
national
827
-
16 761
-
health
374
-
1 779
-
total
13 533
-
53 220
-
Employer
50 076
-
141 329
-
pensions
8 688
-
24 521
-
health
385
-
1 087
-
unemployment
325
-
919
-
accident
51
-
141
-
total
9 449
-
26 668
-
Corporate
108 476
168 000
-
-
income
21 694
33 599
-
-
total
21 694
33 599
-
-
Dividends

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

65 086
100 801
-
-
national
3 956
11 005
-
-
municipal
11 715
18 143
-
-
total
15 671
29 148
-
-
Income
168 000
168 000
168 000
168 000
Total tax
60 347
62 747
79 888
59 690
After tax
107 653
105 253
88 112
108 310
Living cost
36 542
36 542
36 542
36 542
Free-cash
71 111
68 711
51 570
71 768

Estimated living cost  is ₽36542 per week

₽23869
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3515
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
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.
₽8578
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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