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

₽75566

₽56696

₽78243

₽76856

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

31 258

national

32 269

health

2 348

total

65 875

Employee

45 591

148 061

pensions

3 077

9 993

unemployment

684

2 222

national

753

19 855

municipal

7 467

24 108

health

340

1 919

total

12 321

58 097

Employer

45 591

148 061

unemployment

296

962

health

350

1 140

accident

148

pensions

7 910

25 688

total

8 602

27 938

Corporate

121 807

176 000

income

24 361

35 199

total

24 361

35 199

Dividends

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

73 084

105 600

national

6 048

12 958

municipal

13 156

19 008

total

19 204

31 966

Income

176 000

Total tax

64 488

67 165

86 035

65 875

After tax

111 512

108 835

89 965

110 125

Living cost

33 269

Free-cash

78 243

75 566

56 696

76 856

Estimated living cost is ₽33269 per week

₽21731

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

₽3200

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

₽530

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.

₽7809

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.