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
₽76550
₽73914
₽55924
₽76087
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
-
-
-
30 750
health
-
-
-
2 323
total
-
-
-
64 334
Employee
48 757
-
148 063
-
national
805
-
18 338
-
unemployment
732
-
2 221
-
health
364
-
1 894
-
municipal
7 986
-
24 112
-
pensions
3 290
-
9 994
-
total
13 177
-
56 559
-
Employer
48 757
-
148 063
-
accident
49
-
148
-
pensions
8 459
-
25 688
-
unemployment
317
-
962
-
health
375
-
1 140
-
total
9 200
-
27 938
-
Corporate
118 044
176 000
-
-
income
23 609
35 201
-
-
total
23 609
35 201
-
-
Dividends

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

70 826
105 600
-
-
municipal
12 748
19 007
-
-
national
5 137
12 299
-
-
total
17 885
31 306
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 871
66 507
84 497
64 334
After tax
112 129
109 493
91 503
111 666
Living cost
35 579
35 579
35 579
35 579
Free-cash
76 550
73 914
55 924
76 087

Estimated living cost  is ₽35579 per week

₽23240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3422
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
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.
₽8352
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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