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
₽75780
₽55221
₽73190
₽75748
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
-
-
-
2 313
municipal
-
-
-
31 263
national
-
-
-
30 084
total
-
-
-
63 660
Employee
50 144
-
148 061
-
unemployment
752
-
2 221
-
pensions
3 384
-
9 995
-
municipal
8 213
-
24 113
-
national
828
-
18 037
-
health
374
-
1 883
-
total
13 551
-
56 249
-
Employer
50 144
-
148 061
-
pensions
8 700
-
25 689
-
health
385
-
1 139
-
unemployment
326
-
962
-
accident
51
-
148
-
total
9 462
-
27 938
-
Corporate
116 395
176 000
-
-
income
23 279
35 200
-
-
total
23 279
35 200
-
-
Dividends

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

69 836
105 600
-
-
national
4 766
12 011
-
-
municipal
12 570
19 007
-
-
total
17 336
31 018
-
-
Income
176 000
176 000
176 000
176 000
Total tax
63 628
66 218
84 187
63 660
After tax
112 372
109 782
91 813
112 340
Living cost
36 592
36 592
36 592
36 592
Free-cash
75 780
73 190
55 221
75 748

Estimated living cost  is ₽36592 per week

₽23902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
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.
₽8589
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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