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
₽76075
₽55495
₽73467
₽75879
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
-
-
-
2 317
municipal
-
-
-
31 262
national
-
-
-
30 339
total
-
-
-
63 918
Employee
49 612
-
148 061
-
unemployment
744
-
2 221
-
pensions
3 348
-
9 994
-
municipal
8 126
-
24 113
-
national
820
-
18 148
-
health
370
-
1 886
-
total
13 408
-
56 362
-
Employer
49 612
-
148 061
-
pensions
8 607
-
25 688
-
health
381
-
1 140
-
unemployment
322
-
963
-
accident
50
-
149
-
total
9 360
-
27 940
-
Corporate
117 028
176 000
-
-
income
23 406
35 201
-
-
total
23 406
35 201
-
-
Dividends

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

70 216
105 600
-
-
national
4 909
12 121
-
-
municipal
12 639
19 008
-
-
total
17 548
31 129
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 722
66 330
84 302
63 918
After tax
112 278
109 670
91 698
112 082
Living cost
36 203
36 203
36 203
36 203
Free-cash
76 075
73 467
55 495
75 879

Estimated living cost  is ₽36203 per week

₽23648
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
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.
₽8498
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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