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
₽77139
₽74471
₽56185
₽76345
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
-
-
-
31 260
national
-
-
-
31 264
health
-
-
-
2 332
total
-
-
-
64 856
Employee
47 687
-
148 060
-
national
788
-
18 850
-
unemployment
716
-
2 221
-
health
356
-
1 902
-
municipal
7 811
-
24 110
-
pensions
3 218
-
9 993
-
total
12 889
-
57 076
-
Employer
47 687
-
148 060
-
accident
48
-
148
-
pensions
8 273
-
25 689
-
unemployment
310
-
963
-
health
366
-
1 140
-
total
8 997
-
27 940
-
Corporate
119 316
176 000
-
-
income
23 864
35 201
-
-
total
23 864
35 201
-
-
Dividends

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

71 589
105 600
-
-
municipal
12 887
19 008
-
-
national
5 425
12 521
-
-
total
18 312
31 529
-
-
Income
176 000
176 000
176 000
176 000
Total tax
64 062
66 730
85 016
64 856
After tax
111 938
109 270
90 984
111 144
Living cost
34 799
34 799
34 799
34 799
Free-cash
77 139
74 471
56 185
76 345

Estimated living cost  is ₽34799 per week

₽22730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽8168
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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