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

₽56855

₽77013

₽78542

₽75907

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

32 584

health

2 354

municipal

31 256

total

66 194

Employee

44 938

148 062

health

336

1 924

municipal

7 361

24 106

pensions

3 033

9 994

unemployment

674

2 221

national

742

20 169

total

12 146

58 414

Employer

44 938

148 062

accident

148

pensions

7 797

25 688

unemployment

292

963

health

345

1 139

total

8 479

27 938

Corporate

122 583

176 000

income

24 516

35 199

total

24 516

35 199

Dividends

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

73 550

105 600

national

6 284

13 093

municipal

13 240

19 008

total

19 524

32 101

Income

176 000

Total tax

64 665

67 300

86 352

66 194

After tax

111 335

108 700

89 648

109 806

Living cost

32 793

Free-cash

78 542

75 907

56 855

77 013

Estimated living cost is ₽32793 per week

₽21420

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

₽3154

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

₽522

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.

₽7698

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.