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
₽73593
₽55621
₽75938
₽76210
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
-
-
-
2 318
municipal
-
-
-
31 262
national
-
-
-
30 458
total
-
-
-
64 038
Employee
49 366
-
148 062
-
municipal
8 086
-
24 113
-
unemployment
741
-
2 220
-
pensions
3 332
-
9 995
-
national
816
-
18 199
-
health
369
-
1 889
-
total
13 344
-
56 416
-
Employer
49 366
-
148 062
-
health
379
-
1 140
-
pensions
8 565
-
25 689
-
accident
50
-
148
-
unemployment
321
-
962
-
total
9 315
-
27 939
-
Corporate
117 319
176 000
-
-
income
23 463
35 201
-
-
total
23 463
35 201
-
-
Dividends

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

70 392
105 599
-
-
municipal
12 671
19 008
-
-
national
4 973
12 174
-
-
total
17 644
31 182
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 766
66 383
84 355
64 038
After tax
112 234
109 617
91 645
111 962
Living cost
36 024
36 024
36 024
36 024
Free-cash
76 210
73 593
55 621
75 938

Estimated living cost  is ₽36024 per week

₽23531
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3465
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽573
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.
₽8456
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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