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
₽72193
₽54231
₽75282
₽74718
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
-
-
-
2 298
municipal
-
-
-
31 267
national
-
-
-
29 166
total
-
-
-
62 731
Employee
52 057
-
148 061
-
municipal
8 526
-
24 117
-
unemployment
781
-
2 221
-
pensions
3 513
-
9 995
-
national
860
-
17 644
-
health
389
-
1 866
-
total
14 069
-
55 843
-
Employer
52 057
-
148 061
-
health
400
-
1 140
-
pensions
9 032
-
25 688
-
accident
53
-
148
-
unemployment
338
-
963
-
total
9 823
-
27 939
-
Corporate
114 121
176 000
-
-
income
22 825
35 200
-
-
total
22 825
35 200
-
-
Dividends

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

68 472
105 600
-
-
municipal
12 325
19 007
-
-
national
4 253
11 613
-
-
total
16 578
30 620
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 295
65 820
83 782
62 731
After tax
112 705
110 180
92 218
113 269
Living cost
37 987
37 987
37 987
37 987
Free-cash
74 718
72 193
54 231
75 282

Estimated living cost  is ₽37987 per week

₽24813
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3654
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽605
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.
₽8917
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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