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
₽76819
₽74164
₽56042
₽76203
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
-
-
-
30 982
health
-
-
-
2 328
total
-
-
-
64 570
Employee
48 274
-
148 060
-
national
797
-
18 567
-
unemployment
724
-
2 220
-
health
360
-
1 898
-
municipal
7 907
-
24 111
-
pensions
3 258
-
9 995
-
total
13 046
-
56 791
-
Employer
48 274
-
148 060
-
accident
49
-
148
-
pensions
8 375
-
25 688
-
unemployment
313
-
963
-
health
371
-
1 141
-
total
9 108
-
27 940
-
Corporate
118 617
176 000
-
-
income
23 723
35 201
-
-
total
23 723
35 201
-
-
Dividends

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

71 171
105 599
-
-
municipal
12 810
19 007
-
-
national
5 267
12 401
-
-
total
18 077
31 408
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 954
66 609
84 731
64 570
After tax
112 046
109 391
91 269
111 430
Living cost
35 227
35 227
35 227
35 227
Free-cash
76 819
74 164
56 042
76 203

Estimated living cost  is ₽35227 per week

₽23010
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
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.
₽8269
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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