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
₽72939
₽54973
₽75630
₽75515
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
-
-
-
2 308
municipal
-
-
-
31 265
national
-
-
-
29 856
total
-
-
-
63 429
Employee
50 622
-
148 062
-
municipal
8 292
-
24 115
-
unemployment
760
-
2 220
-
pensions
3 416
-
9 993
-
national
836
-
17 941
-
health
378
-
1 879
-
total
13 682
-
56 148
-
Employer
50 622
-
148 062
-
health
389
-
1 139
-
pensions
8 783
-
25 689
-
accident
51
-
148
-
unemployment
329
-
962
-
total
9 552
-
27 938
-
Corporate
115 826
176 000
-
-
income
23 165
35 200
-
-
total
23 165
35 200
-
-
Dividends

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

69 496
105 600
-
-
municipal
12 509
19 008
-
-
national
4 636
11 912
-
-
total
17 145
30 920
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 544
66 120
84 086
63 429
After tax
112 456
109 880
91 914
112 571
Living cost
36 941
36 941
36 941
36 941
Free-cash
75 515
72 939
54 973
75 630

Estimated living cost  is ₽36941 per week

₽24130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
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.
₽8671
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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