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

₽76503

₽77501

₽56343

₽74807

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

national

31 575

municipal

31 259

health

2 336

total

65 170

Employee

47 041

148 062

pensions

3 175

9 994

health

351

1 907

municipal

7 705

24 109

unemployment

706

2 221

national

777

19 160

total

12 714

57 391

Employer

47 041

148 062

pensions

8 161

25 689

health

361

1 140

unemployment

305

962

accident

148

total

8 875

27 939

Corporate

120 084

176 000

income

24 017

35 200

total

24 017

35 200

Dividends

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

72 050

105 600

municipal

12 968

19 009

national

5 598

12 657

total

18 566

31 666

Income

176 000

Total tax

64 172

66 866

85 330

65 170

After tax

111 828

109 134

90 670

110 830

Living cost

34 327

Free-cash

77 501

74 807

56 343

76 503

Estimated living cost is ₽34327 per week

₽22422

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

₽3302

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

₽546

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.

₽8058

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.