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

₽55994

₽74054

₽76150

₽76698

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

health

2 326

national

30 881

municipal

31 261

total

64 468

Employee

48 487

148 060

municipal

7 942

24 110

national

801

18 465

pensions

3 272

9 993

health

362

1 896

unemployment

728

2 221

total

13 105

56 685

Employer

48 487

148 060

unemployment

315

962

health

373

1 140

accident

149

pensions

8 412

25 688

total

9 149

27 939

Corporate

118 365

176 000

income

23 673

35 200

total

23 673

35 200

Dividends

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

71 019

105 600

national

5 210

12 355

municipal

12 783

19 009

total

17 993

31 364

Income

176 000

Total tax

63 920

66 564

84 624

64 468

After tax

112 080

109 436

91 376

111 532

Living cost

35 382

Free-cash

76 698

74 054

55 994

76 150

Estimated living cost is ₽35382 per week

₽23112

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

₽3403

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

₽563

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.

₽8305

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.