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

₽75189

₽56518

₽77902

₽76679

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

31 258

national

31 923

health

2 344

total

65 525

Employee

46 313

148 061

pensions

3 125

9 994

unemployment

695

2 222

national

765

19 510

municipal

7 586

24 108

health

346

1 913

total

12 517

57 747

Employer

46 313

148 061

unemployment

301

962

health

356

1 139

accident

149

pensions

8 035

25 689

total

8 739

27 939

Corporate

120 949

176 000

income

24 190

35 200

total

24 190

35 200

Dividends

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

72 569

105 600

national

5 793

12 807

municipal

13 063

19 008

total

18 856

31 815

Income

176 000

Total tax

64 302

67 015

85 686

65 525

After tax

111 698

108 985

90 314

110 475

Living cost

33 796

Free-cash

77 902

75 189

56 518

76 679

Estimated living cost is ₽33796 per week

₽22075

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

₽3251

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

₽538

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.

₽7933

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.