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
₽76839
₽74186
₽56054
₽76213
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
-
-
-
31 260
national
-
-
-
31 003
health
-
-
-
2 328
total
-
-
-
64 591
Employee
48 231
-
148 062
-
national
797
-
18 589
-
unemployment
724
-
2 222
-
health
360
-
1 898
-
municipal
7 900
-
24 110
-
pensions
3 255
-
9 994
-
total
13 036
-
56 813
-
Employer
48 231
-
148 062
-
accident
49
-
148
-
pensions
8 368
-
25 688
-
unemployment
313
-
962
-
health
371
-
1 139
-
total
9 101
-
27 937
-
Corporate
118 668
176 000
-
-
income
23 734
35 201
-
-
total
23 734
35 201
-
-
Dividends

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

71 200
105 599
-
-
municipal
12 816
19 008
-
-
national
5 278
12 409
-
-
total
18 094
31 417
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 965
66 618
84 750
64 591
After tax
112 035
109 382
91 250
111 409
Living cost
35 196
35 196
35 196
35 196
Free-cash
76 839
74 186
56 054
76 213

Estimated living cost  is ₽35196 per week

₽22990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3385
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.
₽8262
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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