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
₽77212
₽74537
₽56215
₽76376
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
-
-
-
31 324
health
-
-
-
2 333
total
-
-
-
64 917
Employee
47 562
-
148 061
-
national
786
-
18 909
-
unemployment
714
-
2 222
-
health
355
-
1 903
-
municipal
7 790
-
24 110
-
pensions
3 210
-
9 995
-
total
12 855
-
57 139
-
Employer
47 562
-
148 061
-
accident
48
-
148
-
pensions
8 252
-
25 688
-
unemployment
309
-
962
-
health
365
-
1 141
-
total
8 974
-
27 939
-
Corporate
119 464
176 000
-
-
income
23 892
35 199
-
-
total
23 892
35 199
-
-
Dividends

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

71 679
105 600
-
-
municipal
12 903
19 008
-
-
national
5 457
12 549
-
-
total
18 360
31 557
-
-
Income
176 000
176 000
176 000
176 000
Total tax
64 081
66 756
85 078
64 917
After tax
111 919
109 244
90 922
111 083
Living cost
34 708
34 708
34 708
34 708
Free-cash
77 212
74 537
56 215
76 376

Estimated living cost  is ₽34708 per week

₽22671
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
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.
₽8147
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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