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

₽75614

₽73031

₽55066

₽75675

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

31 263

national

29 941

health

2 311

total

63 515

Employee

50 443

148 061

national

833

17 977

unemployment

757

2 222

health

377

1 879

municipal

8 262

24 113

pensions

3 404

9 994

total

13 633

56 185

Employer

50 443

148 061

accident

147

pensions

8 751

25 689

unemployment

327

962

health

388

1 141

total

9 517

27 939

Corporate

116 040

176 000

income

23 209

35 201

total

23 209

35 201

Dividends

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

69 623

105 600

municipal

12 532

19 008

national

4 685

11 950

total

17 217

30 958

Income

176 000

Total tax

63 576

66 159

84 124

63 515

After tax

112 424

109 841

91 876

112 485

Living cost

36 810

Free-cash

75 614

73 031

55 066

75 675

Estimated living cost is ₽36810 per week

₽24044

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

₽3541

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

₽586

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.

₽8640

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.