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

₽75828

₽56820

₽78473

₽76978

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

31 257

national

32 511

health

2 353

total

66 121

Employee

45 087

148 061

pensions

3 043

9 993

unemployment

677

2 221

national

745

20 098

municipal

7 385

24 106

health

337

1 922

total

12 187

58 340

Employer

45 087

148 061

unemployment

293

963

health

346

1 140

accident

148

pensions

7 822

25 688

total

8 507

27 939

Corporate

122 406

176 000

income

24 482

35 200

total

24 482

35 200

Dividends

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

73 443

105 600

national

6 230

13 063

municipal

13 220

19 008

total

19 450

32 071

Income

176 000

Total tax

64 626

67 271

86 279

66 121

After tax

111 374

108 729

89 721

109 879

Living cost

32 901

Free-cash

78 473

75 828

56 820

76 978

Estimated living cost is ₽32901 per week

₽21491

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

₽3165

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

₽524

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.

₽7723

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.