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

₽76560

₽77632

₽56401

₽74932

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

national

31 688

municipal

31 259

health

2 340

total

65 287

Employee

46 802

148 062

pensions

3 158

9 994

health

349

1 909

municipal

7 666

24 108

unemployment

702

2 222

national

773

19 275

total

12 648

57 508

Employer

46 802

148 062

pensions

8 120

25 688

health

360

1 139

unemployment

304

962

accident

149

total

8 831

27 938

Corporate

120 368

176 000

income

24 074

35 201

total

24 074

35 201

Dividends

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

72 220

105 600

municipal

13 000

19 008

national

5 662

12 706

total

18 662

31 714

Income

176 000

Total tax

64 215

66 915

85 446

65 287

After tax

111 785

109 085

90 554

110 713

Living cost

34 153

Free-cash

77 632

74 932

56 401

76 560

Estimated living cost is ₽34153 per week

₽22308

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

₽3285

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

₽544

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.

₽8017

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.