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

₽76319

₽77083

₽56161

₽74416

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

31 214

municipal

31 261

health

2 331

total

64 806

Employee

47 792

148 062

pensions

3 225

9 995

health

357

1 901

municipal

7 828

24 111

unemployment

717

2 220

national

790

18 800

total

12 917

57 027

Employer

47 792

148 062

pensions

8 292

25 688

health

367

1 139

unemployment

310

962

accident

148

total

9 017

27 937

Corporate

119 191

176 000

income

23 839

35 200

total

23 839

35 200

Dividends

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

71 514

105 600

municipal

12 873

19 008

national

5 396

12 501

total

18 269

31 509

Income

176 000

Total tax

64 042

66 709

84 964

64 806

After tax

111 958

109 291

91 036

111 194

Living cost

34 875

Free-cash

77 083

74 416

56 161

76 319

Estimated living cost is ₽34875 per week

₽22780

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

₽3355

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

₽555

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.

₽8186

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.

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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.