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
₽76857
₽74204
₽56061
₽76220
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
-
-
-
31 017
health
-
-
-
2 328
total
-
-
-
64 606
Employee
48 201
-
148 059
-
national
796
-
18 603
-
unemployment
723
-
2 220
-
health
360
-
1 899
-
municipal
7 895
-
24 111
-
pensions
3 253
-
9 993
-
total
13 027
-
56 826
-
Employer
48 201
-
148 059
-
accident
49
-
148
-
pensions
8 363
-
25 687
-
unemployment
313
-
963
-
health
370
-
1 141
-
total
9 095
-
27 939
-
Corporate
118 705
176 000
-
-
income
23 740
35 199
-
-
total
23 740
35 199
-
-
Dividends

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

71 223
105 601
-
-
municipal
12 820
19 008
-
-
national
5 287
12 415
-
-
total
18 107
31 423
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 969
66 622
84 765
64 606
After tax
112 031
109 378
91 235
111 394
Living cost
35 174
35 174
35 174
35 174
Free-cash
76 857
74 204
56 061
76 220

Estimated living cost  is ₽35174 per week

₽22975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽8256
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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