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
₽77057
₽74390
₽56149
₽76308
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
-
-
-
31 189
health
-
-
-
2 331
total
-
-
-
64 781
Employee
47 841
-
148 059
-
national
790
-
18 775
-
unemployment
718
-
2 221
-
health
357
-
1 900
-
municipal
7 836
-
24 110
-
pensions
3 229
-
9 995
-
total
12 930
-
57 001
-
Employer
47 841
-
148 059
-
accident
48
-
148
-
pensions
8 300
-
25 687
-
unemployment
311
-
963
-
health
368
-
1 141
-
total
9 027
-
27 939
-
Corporate
119 132
176 000
-
-
income
23 827
35 201
-
-
total
23 827
35 201
-
-
Dividends

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

71 479
105 599
-
-
municipal
12 866
19 008
-
-
national
5 382
12 490
-
-
total
18 248
31 498
-
-
Income
176 000
176 000
176 000
176 000
Total tax
64 032
66 699
84 940
64 781
After tax
111 968
109 301
91 060
111 219
Living cost
34 911
34 911
34 911
34 911
Free-cash
77 057
74 390
56 149
76 308

Estimated living cost  is ₽34911 per week

₽22804
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
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.
₽8195
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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