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
₽76819
₽74169
₽56043
₽76204
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
-
-
-
31 261
national
-
-
-
30 983
health
-
-
-
2 328
total
-
-
-
64 572
Employee
48 270
-
148 061
-
national
797
-
18 569
-
unemployment
724
-
2 222
-
health
360
-
1 898
-
municipal
7 906
-
24 111
-
pensions
3 258
-
9 994
-
total
13 045
-
56 794
-
Employer
48 270
-
148 061
-
accident
49
-
148
-
pensions
8 375
-
25 688
-
unemployment
313
-
963
-
health
371
-
1 140
-
total
9 108
-
27 939
-
Corporate
118 622
176 000
-
-
income
23 724
35 199
-
-
total
23 724
35 199
-
-
Dividends

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

71 174
105 600
-
-
municipal
12 811
19 007
-
-
national
5 269
12 401
-
-
total
18 080
31 408
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 957
66 607
84 733
64 572
After tax
112 043
109 393
91 267
111 428
Living cost
35 224
35 224
35 224
35 224
Free-cash
76 819
74 169
56 043
76 204

Estimated living cost  is ₽35224 per week

₽23008
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
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.
₽8268
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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