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

₽75802

₽56806

₽78453

₽76966

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

31 256

national

32 489

health

2 352

total

66 097

Employee

45 136

148 062

pensions

3 046

9 994

unemployment

677

2 221

national

746

20 075

municipal

7 393

24 106

health

337

1 923

total

12 199

58 319

Employer

45 136

148 062

unemployment

293

962

health

347

1 140

accident

148

pensions

7 831

25 688

total

8 517

27 938

Corporate

122 348

176 000

income

24 469

35 199

total

24 469

35 199

Dividends

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

73 409

105 600

national

6 212

13 053

municipal

13 213

19 009

total

19 425

32 062

Income

176 000

Total tax

64 610

67 261

86 257

66 097

After tax

111 390

108 739

89 743

109 903

Living cost

32 937

Free-cash

78 453

75 802

56 806

76 966

Estimated living cost is ₽32937 per week

₽21514

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

₽3168

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.

₽7731

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.