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
₽76891
₽74237
₽56075
₽76237
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
-
-
-
31 047
health
-
-
-
2 328
total
-
-
-
64 635
Employee
48 138
-
148 061
-
national
795
-
18 634
-
unemployment
722
-
2 221
-
health
359
-
1 898
-
municipal
7 885
-
24 110
-
pensions
3 249
-
9 994
-
total
13 010
-
56 857
-
Employer
48 138
-
148 061
-
accident
49
-
148
-
pensions
8 352
-
25 689
-
unemployment
313
-
962
-
health
370
-
1 141
-
total
9 084
-
27 940
-
Corporate
118 780
176 000
-
-
income
23 756
35 200
-
-
total
23 756
35 200
-
-
Dividends

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

71 268
105 600
-
-
municipal
12 828
19 007
-
-
national
5 303
12 428
-
-
total
18 131
31 435
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 981
66 635
84 797
64 635
After tax
112 019
109 365
91 203
111 365
Living cost
35 128
35 128
35 128
35 128
Free-cash
76 891
74 237
56 075
76 237

Estimated living cost  is ₽35128 per week

₽22945
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3379
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽8246
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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