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
₽77195
₽74518
₽56208
₽76366
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
-
-
-
31 309
health
-
-
-
2 333
total
-
-
-
64 903
Employee
47 594
-
148 061
-
national
786
-
18 896
-
unemployment
714
-
2 221
-
health
355
-
1 902
-
municipal
7 795
-
24 109
-
pensions
3 212
-
9 994
-
total
12 862
-
57 122
-
Employer
47 594
-
148 061
-
accident
48
-
148
-
pensions
8 257
-
25 688
-
unemployment
309
-
963
-
health
366
-
1 140
-
total
8 980
-
27 939
-
Corporate
119 426
176 000
-
-
income
23 886
35 200
-
-
total
23 886
35 200
-
-
Dividends

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

71 656
105 600
-
-
municipal
12 897
19 009
-
-
national
5 449
12 542
-
-
total
18 346
31 551
-
-
Income
176 000
176 000
176 000
176 000
Total tax
64 074
66 751
85 061
64 903
After tax
111 926
109 249
90 939
111 097
Living cost
34 731
34 731
34 731
34 731
Free-cash
77 195
74 518
56 208
76 366

Estimated living cost  is ₽34731 per week

₽22686
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3341
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽8152
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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