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

₽57077

₽77238

₽78969

₽76384

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

33 024

health

2 361

municipal

31 255

total

66 640

Employee

44 019

148 062

health

329

1 931

municipal

7 210

24 105

pensions

2 971

9 995

unemployment

661

2 221

national

727

20 611

total

11 898

58 863

Employer

44 019

148 062

accident

148

pensions

7 637

25 688

unemployment

286

962

health

338

1 140

total

8 305

27 938

Corporate

123 675

176 000

income

24 736

35 201

total

24 736

35 201

Dividends

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

74 205

105 600

national

6 614

13 284

municipal

13 356

19 009

total

19 970

32 293

Income

176 000

Total tax

64 909

67 494

86 801

66 640

After tax

111 091

108 506

89 199

109 360

Living cost

32 122

Free-cash

78 969

76 384

57 077

77 238

Estimated living cost is ₽32122 per week

₽20982

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

₽3090

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

₽511

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.

₽7540

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.