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
₽ 180000
per

Your estimated
City
free-cash

Helsinki , Finland
₽73717
₽76299
₽76940
₽55355
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

-
-
-
180 000
municipal
-
-
-
31 977
health
-
-
-
2 349
national
-
-
-
29 725
total
-
-
-
64 051
Employee
53 457
-
151 425
-
health
399
-
1 907
-
municipal
8 756
-
24 665
-
pensions
3 608
-
10 221
-
unemployment
802
-
2 271
-
national
883
-
17 999
-
total
14 448
-
57 063
-
Employer
53 457
-
151 425
-
accident
54
-
152
-
unemployment
347
-
983
-
pensions
9 275
-
26 271
-
health
411
-
1 167
-
total
10 087
-
28 573
-
Corporate
116 457
180 000
-
-
income
23 290
36 001
-
-
total
23 290
36 001
-
-
Dividends

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

69 875
107 999
-
-
national
4 290
11 833
-
-
municipal
12 577
19 440
-
-
total
16 867
31 273
-
-
Income
180 000
180 000
180 000
180 000
Total tax
64 692
67 274
85 636
64 051
After tax
115 308
112 726
94 364
115 949
Living cost
39 009
39 009
39 009
39 009
Free-cash
76 299
73 717
55 355
76 940

Estimated living cost  is ₽39009 per week

₽25481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
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.
₽9157
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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