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
₽75788
₽73195
₽55229
₽75751
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
-
-
-
31 264
national
-
-
-
30 091
health
-
-
-
2 313
total
-
-
-
63 668
Employee
50 129
-
148 061
-
national
828
-
18 043
-
unemployment
752
-
2 220
-
health
374
-
1 882
-
municipal
8 211
-
24 113
-
pensions
3 383
-
9 993
-
total
13 548
-
56 251
-
Employer
50 129
-
148 061
-
accident
51
-
148
-
pensions
8 697
-
25 688
-
unemployment
325
-
962
-
health
385
-
1 141
-
total
9 458
-
27 939
-
Corporate
116 413
176 000
-
-
income
23 283
35 200
-
-
total
23 283
35 200
-
-
Dividends

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

69 847
105 600
-
-
municipal
12 572
19 009
-
-
national
4 770
12 015
-
-
total
17 342
31 024
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 631
66 224
84 190
63 668
After tax
112 369
109 776
91 810
112 332
Living cost
36 581
36 581
36 581
36 581
Free-cash
75 788
73 195
55 229
75 751

Estimated living cost  is ₽36581 per week

₽23894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
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.
₽8587
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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