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
₽76740
₽74092
₽56010
₽76169
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
-
-
-
31 261
national
-
-
-
30 916
health
-
-
-
2 326
total
-
-
-
64 503
Employee
48 413
-
148 060
-
national
800
-
18 502
-
unemployment
726
-
2 221
-
health
361
-
1 896
-
municipal
7 930
-
24 110
-
pensions
3 267
-
9 994
-
total
13 084
-
56 723
-
Employer
48 413
-
148 060
-
accident
49
-
148
-
pensions
8 399
-
25 689
-
unemployment
314
-
962
-
health
372
-
1 140
-
total
9 134
-
27 939
-
Corporate
118 453
176 000
-
-
income
23 691
35 200
-
-
total
23 691
35 200
-
-
Dividends

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

71 071
105 600
-
-
municipal
12 793
19 008
-
-
national
5 230
12 372
-
-
total
18 023
31 380
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 932
66 580
84 662
64 503
After tax
112 068
109 420
91 338
111 497
Living cost
35 328
35 328
35 328
35 328
Free-cash
76 740
74 092
56 010
76 169

Estimated living cost  is ₽35328 per week

₽23076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
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.
₽8293
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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