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
₽ 176000
per

Your estimated
City
free-cash

Helsinki , Finland
₽56710
₽75599
₽76871
₽78273
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

-
-
-
176 000
health
-
-
-
2 350
municipal
-
-
-
31 257
national
-
-
-
32 302
total
-
-
-
65 909
Employee
45 523
-
148 061
-
unemployment
683
-
2 222
-
municipal
7 456
-
24 106
-
pensions
3 072
-
9 995
-
health
340
-
1 920
-
national
752
-
19 888
-
total
12 303
-
58 131
-
Employer
45 523
-
148 061
-
accident
46
-
148
-
health
350
-
1 140
-
unemployment
296
-
962
-
pensions
7 898
-
25 689
-
total
8 590
-
27 939
-
Corporate
121 887
176 000
-
-
income
24 377
35 200
-
-
total
24 377
35 200
-
-
Dividends

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

73 133
105 600
-
-
municipal
13 164
19 008
-
-
national
6 073
12 973
-
-
total
19 237
31 981
-
-
Income
176 000
176 000
176 000
176 000
Total tax
64 507
67 181
86 070
65 909
After tax
111 493
108 819
89 930
110 091
Living cost
33 220
33 220
33 220
33 220
Free-cash
78 273
75 599
56 710
76 871

Estimated living cost  is ₽33220 per week

₽21699
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3195
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
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.
₽7798
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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