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

Best value All models

City

free-cash

Helsinki , Finland

₽56720

₽75620

₽76881

₽78293

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

2 349

municipal

31 257

national

32 321

total

65 927

Employee

45 485

148 060

unemployment

682

2 221

municipal

7 450

24 106

pensions

3 070

9 995

health

340

1 920

national

751

19 906

total

12 293

58 148

Employer

45 485

148 060

accident

148

health

349

1 140

unemployment

295

963

pensions

7 891

25 689

total

8 581

27 940

Corporate

121 933

176 000

income

24 386

35 200

total

24 386

35 200

Dividends

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

73 160

105 600

municipal

13 169

19 008

national

6 086

12 980

total

19 255

31 988

Income

176 000

Total tax

64 515

67 188

86 088

65 927

After tax

111 485

108 812

89 912

110 073

Living cost

33 192

Free-cash

78 293

75 620

56 720

76 881

Estimated living cost is ₽33192 per week

₽21681

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₽3193

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽528

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.

₽7791

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.

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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.