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
₽ 101000
per

Your estimated
City
free-cash

Valencia , Spain
₽42155
₽30739
₽34535
₽46075
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
-
-
-
101 000
unemployment
-
-
-
512
income
-
-
-
22 809
other
-
-
-
73
accident
-
-
-
659
pensions
-
-
-
20 705
total
-
-
-
44 758
Employee
29 188
-
77 675
-
unemployment
452
-
1 134
-
pensions
1 372
-
3 439
-
income
5 627
-
20 582
-
other
28
-
73
-
total
7 479
-
25 228
-
Employer
29 188
-
77 675
-
pensions
6 888
-
17 267
-
accident
578
-
1 449
-
unemployment
1 606
-
4 024
-
other
234
-
586
-
total
9 306
-
23 326
-
Corporate
62 507
101 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

9 376
15 151
-
-
total
9 376
15 151
-
-
Dividends
53 131
85 849
-
-
withholding
10 977
18 067
-
-
total
10 977
18 067
-
-
Income
101 000
101 000
101 000
101 000
Total tax
37 138
33 218
48 554
44 758
After tax
63 862
67 782
52 446
56 242
Living cost
21 707
21 707
21 707
21 707
Free-cash
42 155
46 075
30 739
34 535

Estimated living cost  is ₽21707 per week

₽14652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4588
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
Bratislava , Slovakia
₽47841
₽37123
₽32945
₽53170
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
-
-
-
101 000
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

-
-
-
24 239
income
-
-
-
13 539
other
-
-
-
4 798
health
-
-
-
4 445
total
-
-
-
47 021
Employee
28 661
-
80 669
-
health
401
-
1 129
-
unemployment
286
-
807
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

2 006
-
5 647
-
income
4 934
-
14 930
-
total
7 627
-
22 513
-
Employer
28 661
-
80 669
-
health
401
-
1 129
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

4 873
-
13 714
-
accident
229
-
646
-
unemployment
286
-
807
-
other
1 434
-
4 034
-
total
7 223
-
20 330
-
Corporate
65 115
101 000
-
-
income
13 674
21 210
-
-
total
13 674
21 210
-
-
Dividends
51 442
79 790
-
-
withholding
3 601
5 586
-
-
total
3 601
5 586
-
-
Income
101 000
101 000
101 000
101 000
Total tax
32 125
26 796
42 843
47 021
After tax
68 875
74 204
58 157
53 979
Living cost
21 034
21 034
21 034
21 034
Free-cash
47 841
53 170
37 123
32 945

Estimated living cost  is ₽21034 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽339
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.
₽4413
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
Varna , Bulgaria
₽72315
₽71656
₽68109
₽75988
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
-
-
-
101 000
pensions

Individual pension and social contributions account is optional for those who entered the labor force after 31 December, 2014.

-
-
-
4 088
unemployment
-
-
-
110
income
-
-
-
15 150
health
-
-
-
3 176
total
-
-
-
22 524
Employee
13 728
-
95 581
-
health
631
-
1 270
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 205
-
2 425
-
income
1 373
-
9 558
-
total
3 360
-
13 557
-
Employer
13 728
-
95 581
-
health
948
-
1 906
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 513
-
3 044
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 694
-
5 420
-
Corporate
84 579
101 000
-
-
income
8 458
10 100
-
-
total
8 458
10 100
-
-
Dividends
76 121
90 900
-
-
withholding
3 806
4 545
-
-
total
3 806
4 545
-
-
Income
101 000
101 000
101 000
101 000
Total tax
18 318
14 645
18 977
22 524
After tax
82 682
86 355
82 023
78 476
Living cost
10 367
10 367
10 367
10 367
Free-cash
72 315
75 988
71 656
68 109

Estimated living cost  is ₽10367 per week

₽6053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
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.
₽3300
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
Nice , France
₽28559
₽32751
₽30525
₽23897
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
-
-
-
101 000
income
-
-
-
12 740
other
-
-
-
3 131
health
-
-
-
3 083
social contributions
-
-
-
2 878
pensions
-
-
-
21 636
surtax
-
-
-
-
total
-
-
-
43 468
Employee
33 784
-
80 362
-
pensions
3 820
-
4 668
-
income
1 994
-
13 649
-
social contributions
963
-
2 290
-
surtax
-
-
-
-
total
6 777
-
20 607
-
Employer
33 784
-
80 362
-
health
2 365
-
6 345
-
social contributions
102
-
241
-
pensions
5 550
-
8 021
-
unemployment
1 368
-
3 255
-
other
1 165
-
2 773
-
total
10 550
-
20 635
-
Corporate
56 666
101 000
-
-
income
15 867
28 280
-
-
surtax
-
-
-
-
total
15 867
28 280
-
-
Dividends
40 799
72 720
-
-
social contributions
7 018
12 508
-
-
surtax
-
-
-
-
withholding
5 222
9 308
-
-
total
12 240
21 816
-
-
Income
101 000
101 000
101 000
101 000
Total tax
45 434
50 096
41 242
43 468
After tax
55 566
50 904
59 758
57 532
Living cost
27 007
27 007
27 007
27 007
Free-cash
28 559
23 897
32 751
30 525

Estimated living cost  is ₽27007 per week

₽17029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2196
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7324
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
Rotterdam , Netherlands
₽11532
₽23245
₽25118
₽16366
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
-
-
-
101 000
pensions
-
-
-
9 249
income
-
-
-
23 831
health
-
-
-
9 734
total
-
-
-
42 814
Employee
67 409
67 409
86 330
-
health
10 347
8 801
9 734
-
pensions
12 134
9 249
9 249
-
income

It is possible to apply for a 30% ruling (tax reduction) for salaries over €37,000 per annum.

11 034
11 034
11 034
-
total
33 515
29 084
30 017
-
Employer
67 409
67 409
86 330
-
health
4 686
4 686
5 823
-
pensions
4 692
4 692
5 832
-
unemployment
2 427
2 427
3 015
-
total
11 805
11 805
14 670
-
Corporate
22 614
21 787
-
-
income
4 522
4 358
-
-
total
4 522
4 358
-
-
Dividends
18 091
17 429
-
-
income
3 844
3 705
-
-
withholding
2 714
2 614
-
-
total
6 558
6 319
-
-
Income
101 000
101 000
101 000
101 000
Total tax
56 400
51 566
44 687
42 814
After tax
44 600
49 434
56 313
58 186
Living cost
33 068
33 068
33 068
33 068
Free-cash
11 532
16 366
23 245
25 118

Estimated living cost  is ₽33068 per week

₽23434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽6127
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
Dresden , Germany
₽35825
₽43213
₽33085
₽27094
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
101 000
trade
-
-
-
10 128
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
27 001
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 393
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
1 484
total
-
-
-
44 006
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

30 192
-
101 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 393
-
5 393
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

843
-
27 001
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

46
-
1 484
-
total
6 282
-
33 878
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
70 808
101 000
-
-
income
10 621
15 151
-
-
trade
11 152
15 907
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

584
833
-
-
chamber of commerce
222
265
-
-
total
22 579
32 156
-
-
Dividends
48 229
68 844
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

647
930
-
-
withholding
11 758
16 911
-
-
total
12 405
17 841
-
-
Income
101 000
101 000
101 000
101 000
Total tax
41 266
49 997
33 878
44 006
After tax
59 734
51 003
67 122
56 994
Living cost
23 909
23 909
23 909
23 909
Free-cash
35 825
27 094
43 213
33 085

Estimated living cost  is ₽23909 per week

₽15040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5635
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

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽51232
₽51382
₽52451
₽55528
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
-
-
-
101 000
income
-
-
-
14 926
health
-
-
-
2 575
social contributions
-
-
-
12 772
total
-
-
-
30 273
Employee
60 699
60 699
92 494
-
health
470
1 032
1 573
-
income
6 609
5 619
14 468
-
social contributions
2 295
5 038
6 795
-
total
9 374
11 689
22 836
-
Employer
60 699
60 699
92 494
-
health
511
1 123
1 711
-
social contributions
2 295
5 038
6 795
-
total
2 806
6 161
8 506
-
Corporate
70 544
34 140
-
-
income
8 819
4 268
-
-
total
8 819
4 268
-
-
Dividends
61 725
29 872
-
-
withholding
10 493
5 078
-
-
total
10 493
5 078
-
-
Income
101 000
101 000
101 000
101 000
Total tax
31 492
27 196
31 342
30 273
After tax
69 508
73 804
69 658
70 727
Living cost
18 276
18 276
18 276
18 276
Free-cash
51 232
55 528
51 382
52 451

Estimated living cost  is ₽18276 per week

₽10953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽5126
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
Lisbon , Portugal
₽31893
₽24114
₽30607
₽32689
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

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
101 000
income
-
-
-
10 535
social contributions

Social contributions in Portugal are calculated from the total income before any reductions apply.

-
-
-
35 098
surtax
-
-
-
-
total
-
-
-
45 633
Employee
36 305
-
81 616
-
income
7 552
-
23 765
-
social contributions
3 994
-
8 977
-
surtax
-
-
-
-
total
11 546
-
32 742
-
Employer
36 305
-
81 616
-
social contributions
8 622
-
19 384
-
total
8 622
-
19 384
-
Corporate
56 073
101 000
-
-
income
11 776
21 210
-
-
surtax
-
-
-
-
total
11 776
21 210
-
-
Dividends
44 297
79 790
-
-
withholding
12 403
22 341
-
-
total
12 403
22 341
-
-
Income
101 000
101 000
101 000
101 000
Total tax
44 347
43 551
52 126
45 633
After tax
56 653
57 449
48 874
55 367
Living cost
24 760
24 760
24 760
24 760
Free-cash
31 893
32 689
24 114
30 607

Estimated living cost  is ₽24760 per week

₽18526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1461
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4361
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
Batumi , Georgia
₽88842
₽74814
₽94004
₽89964
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

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
101 000
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 010
total
-
-
-
1 010
Employee
7 482
-
101 000
-
income
1 496
-
20 200
-
total
1 496
-
20 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

93 518
101 000
-
-
total
-
-
-
-
Dividends
93 518
101 000
-
-
withholding
4 676
5 050
-
-
total
4 676
5 050
-
-
Income
101 000
101 000
101 000
101 000
Total tax
6 172
5 050
20 200
1 010
After tax
94 828
95 950
80 800
99 990
Living cost
5 986
5 986
5 986
5 986
Free-cash
88 842
89 964
74 814
94 004

Estimated living cost  is ₽5986 per week

₽3710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
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.
₽1614
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

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽41763
₽27222
₽30087
₽48365
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

A sole-trader pays social contribution from 75% of the assessed income made in the last year.

The minimum monthly assessed income used to calculate contributions is 60% of the insured's average monthly wage in the last year.

The maximum assessed income used to calculate contributions is 3.5 times the insured's average monthly wage in the last year.

-
-
-
101 000
pensions
-
-
-
18 445
unemployment
-
-
-
151
income
-
-
-
21 206
health
-
-
-
9 938
total
-
-
-
49 740
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 906
-
87 394
-
health
2 254
-
5 644
-
unemployment
49
-
123
-
pensions
5 411
-
13 546
-
income
6 020
-
19 686
-
total
13 734
-
38 999
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 906
-
87 394
-
health
2 325
-
5 820
-
pensions
3 089
-
7 734
-
unemployment
21
-
52
-
total
5 435
-
13 606
-
Corporate
60 659
101 000
-
-
income
11 525
19 191
-
-
total
11 525
19 191
-
-
Dividends
49 134
81 809
-
-
withholding
7 370
12 271
-
-
total
7 370
12 271
-
-
Income
101 000
101 000
101 000
101 000
Total tax
38 064
31 462
52 605
49 740
After tax
62 936
69 538
48 395
51 260
Living cost
21 173
21 173
21 173
21 173
Free-cash
41 763
48 365
27 222
30 087

Estimated living cost  is ₽21173 per week

₽14530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1357
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
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.
₽4876
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
Sliema , Malta
₽35585
₽45480
₽44910
₽32827
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

We use The Residence Programme or The Global Residence Programme.

-
-
-
101 000
income
-
-
-
22 470
health

This is an average price for a private worldwide health insurance. The price will vary depending on your age and health condition.

-
-
-
4 966
total
-
-
-
27 436
Employee
36 212
-
97 369
-
social contributions
3 628
-
3 631
-
income
3 929
-
19 604
-
total
7 557
-
23 235
-
Employer
36 212
-
97 369
-
social contributions
3 628
-
3 631
-
total
3 628
-
3 631
-
Corporate
61 160
101 000
-
-
income
21 406
35 349
-
-
total
21 406
35 349
-
-
Dividends
39 754
65 651
-
-
social contributions
4 170
4 170
-
-
total
4 170
4 170
-
-
Income
101 000
101 000
101 000
101 000
Total tax
36 761
39 519
26 866
27 436
After tax
64 239
61 481
74 134
73 564
Living cost
28 654
28 654
28 654
28 654
Free-cash
35 585
32 827
45 480
44 910

Estimated living cost  is ₽28654 per week

₽18875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽7081
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
Vilnius , Lithuania
₽45291
₽47159
₽48123
₽44881
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
-
-
-
101 000
income
-
-
-
15 151
health
-
-
-
7 049
social contributions
-
-
-
13 939
total
-
-
-
36 139
Employee
26 764
-
101 000
-
health
1 868
-
7 049
-
income
4 464
-
16 115
-
social contributions
3 694
-
13 939
-
total
10 026
-
37 103
-
Employer
26 764
-
101 000
-
total
-
-
-
-
Corporate
74 236
101 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

3 712
5 050
-
-
total
3 712
5 050
-
-
Dividends
70 524
95 950
-
-
social contributions
9 732
13 241
-
-
withholding
10 579
14 393
-
-
health
4 922
6 697
-
-
total
25 233
34 331
-
-
Income
101 000
101 000
101 000
101 000
Total tax
38 971
39 381
37 103
36 139
After tax
62 029
61 619
63 897
64 861
Living cost
16 738
16 738
16 738
16 738
Free-cash
45 291
44 881
47 159
48 123

Estimated living cost  is ₽16738 per week

₽11202
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1032
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4118
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
Prague , Czech Republic
₽39537
₽29142
₽30199
₽47426
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
-
-
-
101 000
income
-
-
-
9 232
health
-
-
-
13 635
social contributions
-
-
-
25 822
solidarity contribution
-
-
-
-
total
-
-
-
48 689
Employee
32 518
-
75 373
-
health
4 390
-
10 175
-
solidarity contribution
-
-
-
-
income
3 902
-
9 045
-
social contributions
2 114
-
4 899
-
total
10 406
-
24 119
-
Employer
32 518
-
75 373
-
health
2 927
-
6 784
-
social contributions
8 130
-
18 843
-
total
11 057
-
25 627
-
Corporate
57 425
101 000
-
-
income
10 911
19 190
-
-
total
10 911
19 190
-
-
Dividends
46 515
81 810
-
-
withholding
6 977
12 272
-
-
total
6 977
12 272
-
-
Income
101 000
101 000
101 000
101 000
Total tax
39 351
31 462
49 746
48 689
After tax
61 649
69 538
51 254
52 311
Living cost
22 112
22 112
22 112
22 112
Free-cash
39 537
47 426
29 142
30 199

Estimated living cost  is ₽22112 per week

₽16444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4061
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
Tbilisi , Georgia
₽84873
₽71472
₽90662
₽86622
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

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
101 000
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 010
total
-
-
-
1 010
Employee
11 661
-
101 000
-
income
2 332
-
20 200
-
total
2 332
-
20 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

89 339
101 000
-
-
total
-
-
-
-
Dividends
89 339
101 000
-
-
withholding
4 467
5 050
-
-
total
4 467
5 050
-
-
Income
101 000
101 000
101 000
101 000
Total tax
6 799
5 050
20 200
1 010
After tax
94 201
95 950
80 800
99 990
Living cost
9 328
9 328
9 328
9 328
Free-cash
84 873
86 622
71 472
90 662

Estimated living cost  is ₽9328 per week

₽6313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽313
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.
₽2311
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

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽18204
₽21632
₽19406
₽12778
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
-
-
-
101 000
income
-
-
-
12 740
other
-
-
-
3 131
health
-
-
-
3 083
social contributions
-
-
-
2 878
pensions
-
-
-
21 636
surtax
-
-
-
-
total
-
-
-
43 468
Employee
49 440
-
80 362
-
pensions
5 592
-
4 668
-
income
4 314
-
13 649
-
social contributions
1 408
-
2 290
-
surtax
-
-
-
-
total
11 314
-
20 607
-
Employer
49 440
-
80 362
-
health
3 460
-
6 345
-
social contributions
148
-
241
-
pensions
8 124
-
8 021
-
unemployment
2 003
-
3 255
-
other
1 706
-
2 773
-
total
15 441
-
20 635
-
Corporate
36 119
101 000
-
-
income
10 113
28 280
-
-
surtax
-
-
-
-
total
10 113
28 280
-
-
Dividends
26 006
72 720
-
-
social contributions
4 473
12 508
-
-
surtax
-
-
-
-
withholding
3 329
9 308
-
-
total
7 802
21 816
-
-
Income
101 000
101 000
101 000
101 000
Total tax
44 670
50 096
41 242
43 468
After tax
56 330
50 904
59 758
57 532
Living cost
38 126
38 126
38 126
38 126
Free-cash
18 204
12 778
21 632
19 406

Estimated living cost  is ₽38126 per week

₽25803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽8681
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
Belgrade , Serbia
₽55494
₽43448
₽43450
₽59366
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

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

-
-
-
101 000
pensions
-
-
-
15 119
unemployment
-
-
-
872
income
-
-
-
21 963
health
-
-
-
5 989
total
-
-
-
43 943
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 519
-
90 591
-
health
1 057
-
2 995
-
unemployment
154
-
436
-
pensions
2 873
-
8 141
-
income
2 828
-
21 963
-
total
6 912
-
33 535
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 519
-
90 591
-
health
1 057
-
2 995
-
pensions
2 462
-
6 978
-
unemployment
154
-
436
-
total
3 673
-
10 409
-
Corporate
76 808
101 000
-
-
income
11 521
15 150
-
-
total
11 521
15 150
-
-
Dividends
65 287
85 850
-
-
withholding
9 793
12 877
-
-
total
9 793
12 877
-
-
Income
101 000
101 000
101 000
101 000
Total tax
31 899
28 027
43 944
43 943
After tax
69 101
72 973
57 056
57 057
Living cost
13 608
13 608
13 608
13 608
Free-cash
55 494
59 366
43 448
43 450

Estimated living cost  is ₽13608 per week

₽9162
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1053
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽2999
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
Zurich , Switzerland
₽15446
₽24135
₽29041
-₽7538
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
-
-
-
101 000
pensions
-
-
-
9 293
city
-
-
-
1 065
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
2 020
health
-
-
-
228
regional
-
-
-
4 433
national
-
-
-
1 198
total
-
-
-
18 237
Employee
62 868
-
90 401
-
health
142
-
203
-
unemployment
-
-
-
-
city
675
-
971
-
pensions
5 282
-
7 594
-
regional
2 059
-
3 805
-
national
298
-
965
-
total
8 456
-
13 538
-
Employer
62 868
-
90 401
-
health
142
-
203
-
pensions
5 282
-
7 594
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 257
-
1 808
-
total
6 681
-
9 605
-
Corporate
30 760
101 000
-
-
regional
6 506
21 362
-
-
national
2 615
8 585
-
-
total
9 121
29 947
-
-
Dividends
21 639
71 053
-
-
withholding
7 574
24 869
-
-
total
7 574
24 869
-
-
Income
101 000
101 000
101 000
101 000
Total tax
31 832
54 816
23 143
18 237
After tax
69 168
46 184
77 857
82 763
Living cost
53 722
53 722
53 722
53 722
Free-cash
15 446
-7 538
24 135
29 041

Estimated living cost  is ₽53722 per week

₽34935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4821
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽660
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.
₽13307
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

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽35453
₽25093
₽38945
₽35164
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

-
-
-
101 000
municipal
-
-
-
17 959
health
-
-
-
1 225
national
-
-
-
12 565
total
-
-
-
31 749
Employee
41 530
-
84 966
-
health
310
-
980
-
unemployment
623
-
1 275
-
pensions
2 803
-
5 736
-
national
686
-
7 720
-
municipal
6 802
-
13 855
-
total
11 224
-
29 566
-
Employer
41 530
-
84 966
-
health
319
-
655
-
pensions
7 205
-
14 742
-
accident
42
-
85
-
unemployment
270
-
553
-
total
7 836
-
16 035
-
Corporate
51 634
101 000
-
-
income
10 327
20 200
-
-
total
10 327
20 200
-
-
Dividends

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

30 980
60 600
-
-
municipal
5 577
10 908
-
-
national
277
4 422
-
-
total
5 854
15 330
-
-
Income
101 000
101 000
101 000
101 000
Total tax
35 241
35 530
45 601
31 749
After tax
65 759
65 470
55 399
69 251
Living cost
30 306
30 306
30 306
30 306
Free-cash
35 453
35 164
25 093
38 945

Estimated living cost  is ₽30306 per week

₽19796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7114
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.

Brussels , Belgium
₽15946
₽8899
₽16363
₽27783
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
-
-
-
101 000
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

-
-
-
5 098
social contributions
-
-
-
16 035
national
-
-
-
34 722
total
-
-
-
55 855
Employee

The minimum management director salary is set at €45,000 per year.

56 464
-
78 229
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 653
-
3 678
-
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

2 945
-
4 081
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

491
-
680
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 235
-
5 868
-
national
17 359
-
26 242
-
total
27 683
-
40 549
-
Employer

The minimum management director salary is set at €45,000 per year.

56 464
-
78 229
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 472
-
4 810
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 003
-
6 931
-
surtax
6 402
-
8 871
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

734
-
1 017
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

824
-
1 141
-
total
16 435
-
22 770
-
Corporate
28 100
101 000
-
-
income
5 620
20 200
-
-
surtax
112
404
-
-
total
5 732
20 604
-
-
Dividends
22 367
80 395
-
-
withholding

As an investor, you can take advantage of €640 tax free allowance per year.

6 422
23 831
-
-
total
6 422
23 831
-
-
Income
101 000
101 000
101 000
101 000
Total tax
56 272
44 435
63 319
55 855
After tax
44 728
56 565
37 681
45 145
Living cost
28 782
28 782
28 782
28 782
Free-cash
15 946
27 783
8 899
16 363

Estimated living cost  is ₽28782 per week

₽18539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽7276
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
Stockholm , Sweden
₽20210
₽18846
₽19767
₽20975
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
-
-
-
101 000
unemployment
-
-
-
75
municipal
-
-
-
23 648
other
-
-
-
8 702
health
-
-
-
4 673
national
-
-
-
1 718
accident
-
-
-
150
pensions
-
-
-
8 096
total
-
-
-
47 062
Employee
48 691
-
77 469
-
national
-
-
1 351
-
municipal
14 520
-
23 101
-
total
14 520
-
24 452
-
Employer
48 691
-
77 469
-
health
2 994
-
4 606
-
pensions
5 263
-
8 096
-
accident
97
-
150
-
unemployment
1 285
-
1 977
-
other
5 658
-
8 702
-
total
15 297
-
23 531
-
Corporate
37 010
101 000
-
-
income
8 142
22 220
-
-
total
8 142
22 220
-
-
Dividends
28 868
78 780
-
-
withholding
8 660
23 634
-
-
total
8 660
23 634
-
-
Income
101 000
101 000
101 000
101 000
Total tax
46 619
45 854
47 983
47 062
After tax
54 381
55 146
53 017
53 938
Living cost
34 171
34 171
34 171
34 171
Free-cash
20 210
20 975
18 846
19 767

Estimated living cost  is ₽34171 per week

₽22647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3353
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽7652
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
Oslo , Norway
-₽30162
₽51472
₽31843
₽23492
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
-
-
-
101 000
income
-
-
-
19 687
social contributions
-
-
-
11 514
total
-
-
-
31 201
Employee
54 424
-
-
-
income
12 005
-
-
-
social contributions
4 463
-
636
-
total
16 468
-
636
-
Employer
54 424
-
-
-
social contributions
76 738
-
10 936
-
total
76 738
-
10 936
-
Corporate
-
101 000
-
-
income
-
22 220
-
-
total
-
22 220
-
-
Dividends
-
78 780
-
-
income
-
17 332
-
-
total
-
17 332
-
-
Income
101 000
101 000
101 000
101 000
Total tax
93 206
39 552
11 572
31 201
After tax
7 794
61 448
89 428
69 799
Living cost
37 956
37 956
37 956
37 956
Free-cash
-30 162
23 492
51 472
31 843

Estimated living cost  is ₽37956 per week

₽24628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9275
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
Limassol , Cyprus
₽44926
₽44055
₽45124
₽48201
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
-
-
-
101 000
income
-
-
-
14 926
health
-
-
-
2 575
social contributions
-
-
-
12 772
total
-
-
-
30 273
Employee
60 699
60 699
92 494
-
health
604
1 032
1 573
-
income
6 374
5 619
14 468
-
social contributions
2 950
5 038
6 795
-
total
9 928
11 689
22 836
-
Employer
60 699
60 699
92 494
-
health
658
1 123
1 711
-
social contributions
2 950
5 038
6 795
-
total
3 608
6 161
8 506
-
Corporate
61 862
34 140
-
-
income
7 733
4 268
-
-
total
7 733
4 268
-
-
Dividends
54 130
29 872
-
-
withholding
9 202
5 078
-
-
total
9 202
5 078
-
-
Income
101 000
101 000
101 000
101 000
Total tax
30 471
27 196
31 342
30 273
After tax
70 529
73 804
69 658
70 727
Living cost
25 603
25 603
25 603
25 603
Free-cash
44 926
48 201
44 055
45 124

Estimated living cost  is ₽25603 per week

₽17502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5671
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
Edinburgh , United Kingdom
₽43226
₽31933
₽41254
₽41458
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
-
-
-
101 000
income
-
-
-
25 405
pensions
-
-
-
6 172
total
-
-
-
31 577
Employee
38 666
-
88 531
-
health
504
-
1 410
-
pensions
2 951
-
7 828
-
income
7 041
-
19 190
-
total
10 496
-
28 428
-
Employer
38 666
-
88 531
-
health
735
-
1 682
-
pensions
3 907
-
10 788
-
total
4 642
-
12 470
-
Corporate
57 693
101 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

10 961
19 190
-
-
total
10 961
19 190
-
-
Dividends
46 731
81 810
-
-
withholding
3 506
12 183
-
-
total
3 506
12 183
-
-
Income
101 000
101 000
101 000
101 000
Total tax
29 605
31 373
40 898
31 577
After tax
71 395
69 627
60 102
69 423
Living cost
28 169
28 169
28 169
28 169
Free-cash
43 226
41 458
31 933
41 254

Estimated living cost  is ₽28169 per week

₽19324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5901
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

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽18162
₽13065
₽17683
₽21753
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
-
-
-
101 000
municipal
-
-
-
676
regional
-
-
-
2 221
social contributions
-
-
-
25 976
national
-
-
-
22 997
total
-
-
-
51 870
Employee
66 517
-
101 000
-
social contributions
22 429
-
34 057
-
regional
1 004
-
1 903
-
national
11 241
-
19 926
-
municipal
397
-
602
-
total
35 071
-
56 488
-
Employer
66 517
-
101 000
-
total
-
-
-
-
Corporate
34 483
101 000
-
-
nationa
8 276
24 240
-
-
municipal
1 663
4 868
-
-
total
9 939
29 108
-
-
Dividends
24 543
71 891
-
-
withholding
6 381
18 692
-
-
total
6 381
18 692
-
-
Income
101 000
101 000
101 000
101 000
Total tax
51 391
47 800
56 488
51 870
After tax
49 609
53 200
44 512
49 130
Living cost
31 447
31 447
31 447
31 447
Free-cash
18 162
21 753
13 065
17 683

Estimated living cost  is ₽31447 per week

₽22089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽6718
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
Gdansk , Poland
₽5598
₽36840
₽52331
-₽8653
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
-
-
-
101 000
pensions
-
-
-
3 184
income
-
-
-
26 505
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
31 835
Employee
26 480
-
88 907
-
health
3 032
-
10 180
-
pensions
2 982
-
5 838
-
income
3 633
-
19 215
-
total
9 647
-
35 233
-
Employer
26 480
-
88 907
-
pensions
4 306
-
8 430
-
accident
442
-
1 485
-
unemployment
649
-
2 178
-
total
5 397
-
12 093
-
Corporate
69 123
101 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

62 211
90 900
-
-
total
62 211
90 900
-
-
Dividends
6 912
10 100
-
-
withholding
1 313
1 919
-
-
total
1 313
1 919
-
-
Income
101 000
101 000
101 000
101 000
Total tax
78 568
92 819
47 326
31 835
After tax
22 432
8 181
53 674
69 165
Living cost
16 834
16 834
16 834
16 834
Free-cash
5 598
-8 653
36 840
52 331

Estimated living cost  is ₽16834 per week

₽12338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽3212
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

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽31892
₽36647
₽27419
₽21566
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
101 000
trade
-
-
-
9 228
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
27 001
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 393
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
1 484
total
-
-
-
43 106
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

39 276
-
101 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 393
-
5 393
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 230
-
27 001
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

178
-
1 484
-
total
8 801
-
33 878
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 724
101 000
-
-
income
9 259
15 151
-
-
trade
8 858
14 493
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

509
833
-
-
chamber of commerce
210
268
-
-
total
18 836
30 745
-
-
Dividends
42 888
70 255
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

574
950
-
-
withholding
10 421
17 264
-
-
total
10 995
18 214
-
-
Income
101 000
101 000
101 000
101 000
Total tax
38 632
48 959
33 878
43 106
After tax
62 368
52 041
67 122
57 894
Living cost
30 476
30 476
30 476
30 476
Free-cash
31 892
21 566
36 647
27 419

Estimated living cost  is ₽30476 per week

₽21023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5731
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

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽57903
₽40257
₽13204
₽64378
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

As of 1 January, 2018 a microenterprise tax rate for microenterprise turnover of up to €40,000 is 15%. This tax is inclusive of all other taxes and contributions.

Microenterprise tax could also be applied to a company but as the only exception is a limitation of liability, we advise to register as a sole-trader.

-
-
-
101 000
income
-
-
-
15 375
microenterprise
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
30 244
surtax
-
-
-
25 755
total
-
-
-
71 374
Employee
23 066
-
81 393
-
income
4 106
-
15 761
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

2 538
-
8 953
-
surtax
-
-
-
-
total
6 644
-
24 714
-
Employer
23 066
-
81 393
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

5 556
-
19 607
-
surtax
-
-
-
-
total
5 556
-
19 607
-
Corporate
72 378
101 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

14 475
20 200
-
-
total
14 475
20 200
-
-
Dividends

In Latvia, local dividends are not subject to withholding tax.

57 903
80 800
-
-
total
-
-
-
-
Income
101 000
101 000
101 000
101 000
Total tax
26 675
20 200
44 321
71 374
After tax
74 325
80 800
56 679
29 626
Living cost
16 422
16 422
16 422
16 422
Free-cash
57 903
64 378
40 257
13 204

Estimated living cost  is ₽16422 per week

₽10477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
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.
₽4009
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
Istanbul , Turkey
₽51648
₽49448
₽50143
₽53254
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
-
-
-
101 000
income
-
-
-
28 794
health
-
-
-
5 167
pensions
-
-
-
7 126
total
-
-
-
41 087
Employee
14 880
-
92 983
-
health
744
-
1 782
-
unemployment
149
-
356
-
pensions
1 339
-
3 207
-
income
2 879
-
28 420
-
total
5 111
-
33 765
-
Employer
14 880
-
92 983
-
health
1 414
-
3 385
-
pensions
1 637
-
3 919
-
unemployment
298
-
713
-
total
3 349
-
8 017
-
Corporate
82 772
101 000
-
-
income
18 210
22 220
-
-
total
18 210
22 220
-
-
Dividends
64 562
78 780
-
-
withholding
12 912
15 756
-
-
total
12 912
15 756
-
-
Income
101 000
101 000
101 000
101 000
Total tax
39 582
37 976
41 782
41 087
After tax
61 418
63 024
59 218
59 913
Living cost
9 770
9 770
9 770
9 770
Free-cash
51 648
53 254
49 448
50 143

Estimated living cost  is ₽9770 per week

₽5806
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
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.
₽2948
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
Athens , Greece
₽43288
₽29081
₽30753
₽45799
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
-
-
-
101 000
pensions
-
-
-
20 200
unemployment
-
-
-
180
income
-
-
-
21 966
other
-
-
-
-
health
-
-
-
7 171
surtax
-
-
-
3 000
total
-
-
-
52 517
Employee
26 583
-
83 436
-
health
679
-
2 129
-
unemployment
1 850
-
5 808
-
pensions
1 774
-
5 565
-
income
4 456
-
20 386
-
other
-
-
-
-
surtax
94
-
2 737
-
total
8 853
-
36 625
-
Employer
26 583
-
83 436
-
health
1 209
-
3 796
-
pensions
3 544
-
11 123
-
unemployment
843
-
2 645
-
other
-
-
-
-
total
5 596
-
17 564
-
Corporate
68 820
101 000
-
-
income
17 893
26 260
-
-
total
17 893
26 260
-
-
Dividends
50 927
74 740
-
-
withholding
7 640
11 211
-
-
total
7 640
11 211
-
-
Income
101 000
101 000
101 000
101 000
Total tax
39 982
37 471
54 189
52 517
After tax
61 018
63 529
46 811
48 483
Living cost
17 730
17 730
17 730
17 730
Free-cash
43 288
45 799
29 081
30 753

Estimated living cost  is ₽17730 per week

₽10705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1541
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽5074
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
Graz , Austria
₽30755
₽2645
₽25634
₽31147
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
-
-
-
101 000
pensions
-
-
-
17 061
chamber of commerce
-
-
-
404