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
₽76790
₽74136
₽56029
₽76189
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
municipal
-
-
-
31 261
national
-
-
-
30 957
health
-
-
-
2 327
total
-
-
-
64 545
Employee
48 327
-
148 061
-
national
798
-
18 544
-
unemployment
725
-
2 221
-
health
361
-
1 897
-
municipal
7 916
-
24 111
-
pensions
3 261
-
9 993
-
total
13 061
-
56 766
-
Employer
48 327
-
148 061
-
accident
49
-
148
-
pensions
8 384
-
25 689
-
unemployment
314
-
962
-
health
371
-
1 140
-
total
9 118
-
27 939
-
Corporate
118 554
176 000
-
-
income
23 710
35 199
-
-
total
23 710
35 199
-
-
Dividends

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

71 133
105 601
-
-
municipal
12 803
19 009
-
-
national
5 252
12 390
-
-
total
18 055
31 399
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 944
66 598
84 705
64 545
After tax
112 056
109 402
91 295
111 455
Living cost
35 266
35 266
35 266
35 266
Free-cash
76 790
74 136
56 029
76 189

Estimated living cost  is ₽35266 per week

₽23036
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3392
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.
₽8278
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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