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
₽54920
₽72885
₽75607
₽75456
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
health
-
-
-
2 307
national
-
-
-
29 803
municipal
-
-
-
31 265
total
-
-
-
63 375
Employee
50 729
-
148 061
-
municipal
8 309
-
24 114
-
national
838
-
17 918
-
pensions
3 423
-
9 994
-
health
379
-
1 877
-
unemployment
761
-
2 221
-
total
13 710
-
56 124
-
Employer
50 729
-
148 061
-
unemployment
329
-
962
-
health
390
-
1 140
-
accident
51
-
148
-
pensions
8 801
-
25 688
-
total
9 571
-
27 938
-
Corporate
115 700
176 000
-
-
income
23 141
35 201
-
-
total
23 141
35 201
-
-
Dividends

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

69 419
105 599
-
-
national
4 609
11 889
-
-
municipal
12 495
19 007
-
-
total
17 104
30 896
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 526
66 097
84 062
63 375
After tax
112 474
109 903
91 938
112 625
Living cost
37 018
37 018
37 018
37 018
Free-cash
75 456
72 885
54 920
75 607

Estimated living cost  is ₽37018 per week

₽24180
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3561
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
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.
₽8690
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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