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
₽ 101500
per

Your estimated
City
free-cash

Valencia , Spain
₽29529
₽33500
₽45475
₽41300
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
-
-
-
101 500
income
-
-
-
22 319
accident
-
-
-
690
unemployment
-
-
-
536
pensions
-
-
-
21 665
other
-
-
-
77
total
-
-
-
45 287
Employee
30 541
-
77 094
-
other
30
-
77
-
income
5 888
-
19 988
-
unemployment
473
-
1 187
-
pensions
1 436
-
3 599
-
total
7 827
-
24 851
-
Employer
30 541
-
77 094
-
unemployment
1 680
-
4 210
-
pensions
7 207
-
18 068
-
other
245
-
613
-
accident
605
-
1 516
-
total
9 737
-
24 407
-
Corporate
61 223
101 500
-
-
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.

9 183
15 224
-
-
total
9 183
15 224
-
-
Dividends
52 039
86 276
-
-
withholding
10 740
18 088
-
-
total
10 740
18 088
-
-
Income
101 500
101 500
101 500
101 500
Total tax
37 487
33 312
49 258
45 287
After tax
64 013
68 188
52 242
56 213
Living cost
22 713
22 713
22 713
22 713
Free-cash
41 300
45 475
29 529
33 500

Estimated living cost  is ₽22713 per week

₽15331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4801
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
₽36575
₽32377
₽52564
₽46987
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
-
-
-
101 500
income
-
-
-
13 469
health
-
-
-
4 466
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.

-
-
-
24 359
other
-
-
-
4 821
total
-
-
-
47 115
Employee
29 990
-
81 070
-
income
5 163
-
14 867
-
health
420
-
1 135
-
unemployment
299
-
810
-
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.

2 099
-
5 676
-
total
7 981
-
22 488
-
Employer
29 990
-
81 070
-
unemployment
299
-
810
-
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.

5 099
-
13 782
-
other
1 500
-
4 053
-
accident
240
-
649
-
health
420
-
1 135
-
total
7 558
-
20 429
-
Corporate
63 952
101 500
-
-
income
13 430
21 315
-
-
total
13 430
21 315
-
-
Dividends
50 523
80 185
-
-
withholding
3 536
5 613
-
-
total
3 536
5 613
-
-
Income
101 500
101 500
101 500
101 500
Total tax
32 505
26 928
42 917
47 115
After tax
68 995
74 572
58 583
54 385
Living cost
22 008
22 008
22 008
22 008
Free-cash
46 987
52 564
36 575
32 377

Estimated living cost  is ₽22008 per week

₽15550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4618
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
₽71254
₽67747
₽75955
₽72120
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
-
-
-
101 500
income
-
-
-
15 225
health
-
-
-
3 317
unemployment
-
-
-
115
pensions

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

-
-
-
4 269
total
-
-
-
22 926
Employee
14 336
-
95 841
-
income
1 433
-
9 584
-
health
659
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 509
-
13 761
-
Employer
14 336
-
95 841
-
unemployment
86
-
173
-
pensions

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

1 580
-
3 178
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 990
-
total
2 814
-
5 658
-
Corporate
84 351
101 500
-
-
income
8 435
10 150
-
-
total
8 435
10 150
-
-
Dividends
75 915
91 350
-
-
withholding
3 795
4 568
-
-
total
3 795
4 568
-
-
Income
101 500
101 500
101 500
101 500
Total tax
18 553
14 718
19 419
22 926
After tax
82 947
86 782
82 081
78 574
Living cost
10 827
10 827
10 827
10 827
Free-cash
72 120
75 955
71 254
67 747

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3446
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
₽32419
₽29651
₽22898
₽27776
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
-
-
-
101 500
income
-
-
-
12 341
social contributions
-
-
-
2 892
health
-
-
-
2 919
surtax
-
-
-
-
pensions
-
-
-
22 292
other
-
-
-
3 146
total
-
-
-
43 590
Employee
35 350
-
81 044
-
income
2 086
-
13 482
-
social contributions
1 008
-
2 309
-
surtax
-
-
-
-
pensions
3 997
-
4 575
-
total
7 091
-
20 366
-
Employer
35 350
-
81 044
-
unemployment
1 431
-
3 282
-
social contributions
107
-
243
-
pensions
5 807
-
7 891
-
other
1 219
-
2 796
-
health
2 475
-
6 244
-
total
11 039
-
20 456
-
Corporate
55 111
101 500
-
-
income
15 431
28 420
-
-
surtax
-
-
-
-
total
15 431
28 420
-
-
Dividends
39 680
73 080
-
-
withholding
5 078
9 354
-
-
surtax
-
-
-
-
social contributions
6 826
12 569
-
-
total
11 904
21 923
-
-
Income
101 500
101 500
101 500
101 500
Total tax
45 465
50 343
40 822
43 590
After tax
56 035
51 157
60 678
57 910
Living cost
28 259
28 259
28 259
28 259
Free-cash
27 776
22 898
32 419
29 651

Estimated living cost  is ₽28259 per week

₽17818
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7663
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
₽20442
₽23694
₽14995
₽9935
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
-
-
-
101 500
income
-
-
-
23 343
health
-
-
-
10 185
pensions
-
-
-
9 677
total
-
-
-
43 205
Employee
70 534
70 534
86 376
-
income

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

11 545
11 545
11 545
-
health
10 826
9 209
10 111
-
pensions
12 696
9 677
9 677
-
total
35 067
30 431
31 333
-
Employer
70 534
70 534
86 376
-
unemployment
2 539
2 539
3 110
-
pensions
4 909
4 909
6 011
-
health
4 903
4 903
6 003
-
total
12 351
12 351
15 124
-
Corporate
19 480
18 615
-
-
income
3 897
3 723
-
-
total
3 897
3 723
-
-
Dividends
15 584
14 892
-
-
withholding
2 337
2 234
-
-
income
3 312
3 165
-
-
total
5 649
5 399
-
-
Income
101 500
101 500
101 500
101 500
Total tax
56 964
51 904
46 457
43 205
After tax
44 536
49 596
55 043
58 295
Living cost
34 601
34 601
34 601
34 601
Free-cash
9 935
14 995
20 442
23 694

Estimated living cost  is ₽34601 per week

₽24521
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.
₽550
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.
₽6411
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
₽42884
₽32947
₽26249
₽35382
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.

-
-
-
101 500
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.

-
-
-
26 497
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.

-
-
-
5 643
trade
-
-
-
9 937
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.

-
-
-
1 458
total
-
-
-
43 535
Employee

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

31 591
-
101 500
-
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.

882
-
26 497
-
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.

5 643
-
5 643
-
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.

49
-
1 458
-
total
6 574
-
33 598
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
69 909
101 500
-
-
chamber of commerce
226
271
-
-
income
10 486
15 224
-
-
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.

577
837
-
-
trade
11 011
15 986
-
-
total
22 300
32 318
-
-
Dividends
47 609
69 181
-
-
withholding
11 588
16 981
-
-
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.

638
934
-
-
total
12 226
17 915
-
-
Income
101 500
101 500
101 500
101 500
Total tax
41 100
50 233
33 598
43 535
After tax
60 400
51 267
67 902
57 965
Living cost
25 018
25 018
25 018
25 018
Free-cash
35 382
26 249
42 884
32 947

Estimated living cost  is ₽25018 per week

₽15737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽5897
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
₽50939
₽52030
₽55067
₽50573
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
-
-
-
101 500
income
-
-
-
14 395
social contributions
-
-
-
13 364
health
-
-
-
2 588
total
-
-
-
30 347
Employee
63 512
63 512
92 675
-
income
6 915
5 879
13 928
-
social contributions
2 401
5 271
7 110
-
health
492
1 080
1 575
-
total
9 808
12 230
22 613
-
Employer
63 512
63 512
92 675
-
social contributions
2 401
5 271
7 110
-
health
534
1 176
1 715
-
total
2 935
6 447
8 825
-
Corporate
69 632
31 541
-
-
income
8 704
3 942
-
-
total
8 704
3 942
-
-
Dividends
60 928
27 599
-
-
withholding
10 357
4 691
-
-
total
10 357
4 691
-
-
Income
101 500
101 500
101 500
101 500
Total tax
31 804
27 310
31 438
30 347
After tax
69 696
74 190
70 062
71 153
Living cost
19 123
19 123
19 123
19 123
Free-cash
50 573
55 067
50 939
52 030

Estimated living cost  is ₽19123 per week

₽11461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5364
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
₽23578
₽29919
₽31825
₽30992
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.

-
-
-
101 500
income
-
-
-
10 401
social contributions

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

-
-
-
35 272
surtax
-
-
-
-
total
-
-
-
45 673
Employee
37 988
-
82 020
-
income
7 902
-
23 512
-
social contributions
4 179
-
9 022
-
surtax
-
-
-
-
total
12 081
-
32 534
-
Employer
37 988
-
82 020
-
social contributions
9 022
-
19 480
-
total
9 022
-
19 480
-
Corporate
54 490
101 500
-
-
income
11 444
21 315
-
-
surtax
-
-
-
-
total
11 444
21 315
-
-
Dividends
43 046
80 185
-
-
withholding
12 053
22 452
-
-
total
12 053
22 452
-
-
Income
101 500
101 500
101 500
101 500
Total tax
44 600
43 767
52 014
45 673
After tax
56 900
57 733
49 486
55 827
Living cost
25 908
25 908
25 908
25 908
Free-cash
30 992
31 825
23 578
29 919

Estimated living cost  is ₽25908 per week

₽19384
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1528
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽4563
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
₽75014
₽94299
₽90239
₽89079
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%.

-
-
-
101 500
microenterprise

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

-
-
-
1 015
total
-
-
-
1 015
Employee
7 732
-
101 500
-
income
1 546
-
20 300
-
total
1 546
-
20 300
-
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%.

93 768
101 500
-
-
total
-
-
-
-
Dividends
93 768
101 500
-
-
withholding
4 689
5 075
-
-
total
4 689
5 075
-
-
Income
101 500
101 500
101 500
101 500
Total tax
6 235
5 075
20 300
1 015
After tax
95 265
96 425
81 200
100 485
Living cost
6 186
6 186
6 186
6 186
Free-cash
89 079
90 239
75 014
94 299

Estimated living cost  is ₽6186 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1668
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
₽26622
₽29531
₽47729
₽40818
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.

-
-
-
101 500
income
-
-
-
21 139
health
-
-
-
9 988
unemployment
-
-
-
152
pensions
-
-
-
18 536
total
-
-
-
49 815
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.

36 524
-
87 824
-
income
6 299
-
19 639
-
health
2 359
-
5 674
-
unemployment
52
-
122
-
pensions
5 662
-
13 613
-
total
14 372
-
39 048
-
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.

36 524
-
87 824
-
unemployment
22
-
53
-
pensions
3 232
-
7 773
-
health
2 433
-
5 850
-
total
5 687
-
13 676
-
Corporate
59 289
101 500
-
-
income
11 265
19 285
-
-
total
11 265
19 285
-
-
Dividends
48 024
82 215
-
-
withholding
7 204
12 332
-
-
total
7 204
12 332
-
-
Income
101 500
101 500
101 500
101 500
Total tax
38 528
31 617
52 724
49 815
After tax
62 972
69 883
48 776
51 685
Living cost
22 154
22 154
22 154
22 154
Free-cash
40 818
47 729
26 622
29 531

Estimated living cost  is ₽22154 per week

₽15204
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.
₽429
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.
₽5102
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
₽44856
₽42576
₽31628
₽34516
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.

-
-
-
101 500
income
-
-
-
23 511
health

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

-
-
-
5 430
total
-
-
-
28 941
Employee
37 890
-
97 701
-
social contributions
3 796
-
3 799
-
income
4 111
-
19 063
-
total
7 907
-
22 862
-
Employer
37 890
-
97 701
-
social contributions
3 796
-
3 799
-
total
3 796
-
3 799
-
Corporate
59 814
101 500
-
-
income
20 934
35 525
-
-
total
20 934
35 525
-
-
Dividends
38 879
65 975
-
-
social contributions
4 364
4 364
-
-
total
4 364
4 364
-
-
Income
101 500
101 500
101 500
101 500
Total tax
37 001
39 889
26 661
28 941
After tax
64 499
61 611
74 839
72 559
Living cost
29 983
29 983
29 983
29 983
Free-cash
34 516
31 628
44 856
42 576

Estimated living cost  is ₽29983 per week

₽19749
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2364
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽7409
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
₽46870
₽47671
₽44410
₽44840
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
-
-
-
101 500
income
-
-
-
15 224
social contributions
-
-
-
14 006
health
-
-
-
7 085
total
-
-
-
36 315
Employee
28 005
-
101 500
-
income
4 671
-
16 025
-
social contributions
3 865
-
14 006
-
health
1 955
-
7 085
-
total
10 491
-
37 116
-
Employer
28 005
-
101 500
-
total
-
-
-
-
Corporate
73 495
101 500
-
-
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%.

3 674
5 075
-
-
total
3 674
5 075
-
-
Dividends
69 821
96 425
-
-
withholding
10 473
14 464
-
-
health
4 873
6 730
-
-
social contributions
9 635
13 307
-
-
total
24 981
34 501
-
-
Income
101 500
101 500
101 500
101 500
Total tax
39 146
39 576
37 116
36 315
After tax
62 354
61 924
64 384
65 185
Living cost
17 514
17 514
17 514
17 514
Free-cash
44 840
44 410
46 870
47 671

Estimated living cost  is ₽17514 per week

₽11721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4309
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
₽28835
₽29453
₽47211
₽39123
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
-
-
-
101 500
income
-
-
-
9 198
social contributions
-
-
-
26 475
solidarity contribution
-
-
-
-
health
-
-
-
13 702
total
-
-
-
49 375
Employee
33 342
-
75 746
-
solidarity contribution
-
-
-
-
income
4 001
-
9 090
-
social contributions
2 167
-
4 923
-
health
4 501
-
10 226
-
total
10 669
-
24 239
-
Employer
33 342
-
75 746
-
social contributions
8 335
-
18 937
-
health
3 001
-
6 817
-
total
11 336
-
25 754
-
Corporate
56 822
101 500
-
-
income
10 796
19 285
-
-
total
10 796
19 285
-
-
Dividends
46 026
82 215
-
-
withholding
6 904
12 332
-
-
total
6 904
12 332
-
-
Income
101 500
101 500
101 500
101 500
Total tax
39 705
31 617
49 993
49 375
After tax
61 795
69 883
51 507
52 125
Living cost
22 672
22 672
22 672
22 672
Free-cash
39 123
47 211
28 835
29 453

Estimated living cost  is ₽22672 per week

₽16861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4164
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
₽71561
₽90846
₽86786
₽84978
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%.

-
-
-
101 500
microenterprise

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

-
-
-
1 015
total
-
-
-
1 015
Employee
12 049
-
101 500
-
income
2 410
-
20 300
-
total
2 410
-
20 300
-
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%.

89 451
101 500
-
-
total
-
-
-
-
Dividends
89 451
101 500
-
-
withholding
4 473
5 075
-
-
total
4 473
5 075
-
-
Income
101 500
101 500
101 500
101 500
Total tax
6 883
5 075
20 300
1 015
After tax
94 617
96 425
81 200
100 485
Living cost
9 639
9 639
9 639
9 639
Free-cash
84 978
86 786
71 561
90 846

Estimated living cost  is ₽9639 per week

₽6523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2388
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
₽20785
₽18017
₽11264
₽16943
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
-
-
-
101 500
income
-
-
-
12 341
social contributions
-
-
-
2 892
health
-
-
-
2 919
surtax
-
-
-
-
pensions
-
-
-
22 292
other
-
-
-
3 146
total
-
-
-
43 590
Employee
51 731
-
81 044
-
income
4 514
-
13 482
-
social contributions
1 473
-
2 309
-
surtax
-
-
-
-
pensions
5 851
-
4 575
-
total
11 838
-
20 366
-
Employer
51 731
-
81 044
-
unemployment
2 096
-
3 282
-
social contributions
155
-
243
-
pensions
8 500
-
7 891
-
other
1 785
-
2 796
-
health
3 621
-
6 244
-
total
16 157
-
20 456
-
Corporate
33 612
101 500
-
-
income
9 411
28 420
-
-
surtax
-
-
-
-
total
9 411
28 420
-
-
Dividends
24 201
73 080
-
-
withholding
3 097
9 354
-
-
surtax
-
-
-
-
social contributions
4 161
12 569
-
-
total
7 258
21 923
-
-
Income
101 500
101 500
101 500
101 500
Total tax
44 664
50 343
40 822
43 590
After tax
56 836
51 157
60 678
57 910
Living cost
39 893
39 893
39 893
39 893
Free-cash
16 943
11 264
20 785
18 017

Estimated living cost  is ₽39893 per week

₽26999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9083
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
₽42323
₽42322
₽59094
₽55042
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.

-
-
-
101 500
income
-
-
-
21 936
health
-
-
-
6 268
unemployment
-
-
-
913
pensions
-
-
-
15 821
total
-
-
-
44 938
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.

21 472
-
90 608
-
income
2 960
-
21 936
-
health
1 106
-
3 134
-
unemployment
161
-
456
-
pensions
3 006
-
8 519
-
total
7 233
-
34 045
-
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.

21 472
-
90 608
-
unemployment
161
-
456
-
pensions
2 577
-
7 302
-
health
1 106
-
3 134
-
total
3 844
-
10 892
-
Corporate
76 184
101 500
-
-
income
11 428
15 225
-
-
total
11 428
15 225
-
-
Dividends
64 756
86 275
-
-
withholding
9 713
12 941
-
-
total
9 713
12 941
-
-
Income
101 500
101 500
101 500
101 500
Total tax
32 218
28 166
44 937
44 938
After tax
69 282
73 334
56 563
56 562
Living cost
14 240
14 240
14 240
14 240
Free-cash
55 042
59 094
42 323
42 322

Estimated living cost  is ₽14240 per week

₽9588
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1101
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.
₽3139
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
₽20713
₽25655
-₽11400
₽13337
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
-
-
-
101 500
regional
-
-
-
4 262
national
-
-
-
1 101
health
-
-
-
229
city
-
-
-
1 071
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.

-
-
-
2 030
pensions
-
-
-
9 338
total
-
-
-
18 031
Employee
67 657
-
90 848
-
regional
2 215
-
3 642
-
city
726
-
976
-
health
153
-
205
-
unemployment
-
-
-
-
national
320
-
866
-
pensions
5 684
-
7 631
-
total
9 098
-
13 320
-
Employer
67 657
-
90 848
-
unemployment
-
-
-
-
pensions
5 684
-
7 631
-
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.

1 353
-
1 817
-
health
153
-
205
-
total
7 190
-
9 653
-
Corporate
25 910
101 500
-
-
regional
5 479
21 467
-
-
national
2 202
8 627
-
-
total
7 681
30 094
-
-
Dividends
18 228
71 406
-
-
withholding
6 380
24 992
-
-
total
6 380
24 992
-
-
Income
101 500
101 500
101 500
101 500
Total tax
30 349
55 086
22 973
18 031
After tax
71 151
46 414
78 527
83 469
Living cost
57 814
57 814
57 814
57 814
Free-cash
13 337
-11 400
20 713
25 655

Estimated living cost  is ₽57814 per week

₽37595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14320
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
₽24331
₽38249
₽34332
₽34353
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

-
-
-
101 500
municipal
-
-
-
18 050
national
-
-
-
12 272
health
-
-
-
1 218
total
-
-
-
31 540
Employee
43 455
-
85 389
-
health
324
-
970
-
unemployment
652
-
1 281
-
national
718
-
7 404
-
municipal
7 118
-
13 928
-
pensions
2 933
-
5 763
-
total
11 745
-
29 346
-
Employer
43 455
-
85 389
-
unemployment
282
-
555
-
pensions
7 539
-
14 815
-
accident
44
-
85
-
health
334
-
657
-
total
8 199
-
16 112
-
Corporate
49 845
101 500
-
-
income
9 969
20 300
-
-
total
9 969
20 300
-
-
Dividends

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

29 907
60 900
-
-
national
139
4 194
-
-
municipal
5 384
10 963
-
-
total
5 523
15 157
-
-
Income
101 500
101 500
101 500
101 500
Total tax
35 436
35 457
45 458
31 540
After tax
66 064
66 043
56 042
69 960
Living cost
31 711
31 711
31 711
31 711
Free-cash
34 353
34 332
24 331
38 249

Estimated living cost  is ₽31711 per week

₽20713
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7444
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
₽8074
₽15543
₽26740
₽14353
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
-
-
-
101 500
national
-
-
-
34 536
social contributions
-
-
-
16 186
communal

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

-
-
-
5 119
total
-
-
-
55 841
Employee

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

59 081
-
78 614
-
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.

2 776
-
3 696
-
communal

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

3 082
-
4 100
-
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.

514
-
683
-
national
18 164
-
26 049
-
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.

4 431
-
5 897
-
total
28 967
-
40 425
-
Employer

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

59 081
-
78 614
-
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.

862
-
1 147
-
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.

5 235
-
6 966
-
surtax
6 699
-
8 915
-
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.

768
-
1 022
-
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.

3 633
-
4 835
-
total
17 197
-
22 885
-
Corporate
25 221
101 500
-
-
income
5 044
20 300
-
-
surtax
100
406
-
-
total
5 144
20 706
-
-
Dividends
20 077
80 794
-
-
withholding

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

5 723
23 938
-
-
total
5 723
23 938
-
-
Income
101 500
101 500
101 500
101 500
Total tax
57 031
44 644
63 310
55 841
After tax
44 469
56 856
38 190
45 659
Living cost
30 116
30 116
30 116
30 116
Free-cash
14 353
26 740
8 074
15 543

Estimated living cost  is ₽30116 per week

₽19398
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7613
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
₽19292
₽20207
₽21459
₽20697
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
-
-
-
101 500
municipal
-
-
-
23 838
national
-
-
-
1 933
health
-
-
-
4 644
accident
-
-
-
149
unemployment
-
-
-
74
pensions
-
-
-
8 046
other
-
-
-
8 649
total
-
-
-
47 333
Employee
48 390
-
78 114
-
national
-
-
1 568
-
municipal
14 430
-
23 294
-
total
14 430
-
24 862
-
Employer
48 390
-
78 114
-
unemployment
1 277
-
1 965
-
pensions
5 231
-
8 046
-
other
5 623
-
8 649
-
accident
97
-
149
-
health
2 976
-
4 577
-
total
15 204
-
23 386
-
Corporate
37 905
101 500
-
-
income
8 339
22 330
-
-
total
8 339
22 330
-
-
Dividends
29 566
79 170
-
-
withholding
8 870
23 751
-
-
total
8 870
23 751
-
-
Income
101 500
101 500
101 500
101 500
Total tax
46 843
46 081
48 248
47 333
After tax
54 657
55 419
53 252
54 167
Living cost
33 960
33 960
33 960
33 960
Free-cash
20 697
21 459
19 292
20 207

Estimated living cost  is ₽33960 per week

₽22508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3332
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7605
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
₽52386
₽32507
₽24115
-₽28562
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
-
-
-
101 500
income
-
-
-
19 784
social contributions
-
-
-
11 571
total
-
-
-
31 355
Employee
53 968
-
-
-
income
11 904
-
-
-
social contributions
4 425
-
631
-
total
16 329
-
631
-
Employer
53 968
-
-
-
social contributions
76 095
-
10 845
-
total
76 095
-
10 845
-
Corporate
-
101 500
-
-
income
-
22 330
-
-
total
-
22 330
-
-
Dividends
-
79 170
-
-
income
-
17 417
-
-
total
-
17 417
-
-
Income
101 500
101 500
101 500
101 500
Total tax
92 424
39 747
11 476
31 355
After tax
9 076
61 753
90 024
70 145
Living cost
37 638
37 638
37 638
37 638
Free-cash
-28 562
24 115
52 386
32 507

Estimated living cost  is ₽37638 per week

₽24421
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3540
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽9197
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
₽43272
₽44363
₽47400
₽43974
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
-
-
-
101 500
income
-
-
-
14 395
social contributions
-
-
-
13 364
health
-
-
-
2 588
total
-
-
-
30 347
Employee
63 512
63 512
92 675
-
income
6 669
5 879
13 928
-
social contributions
3 086
5 271
7 110
-
health
632
1 080
1 575
-
total
10 387
12 230
22 613
-
Employer
63 512
63 512
92 675
-
social contributions
3 086
5 271
7 110
-
health
688
1 176
1 715
-
total
3 774
6 447
8 825
-
Corporate
60 548
31 541
-
-
income
7 569
3 942
-
-
total
7 569
3 942
-
-
Dividends
52 979
27 599
-
-
withholding
9 006
4 691
-
-
total
9 006
4 691
-
-
Income
101 500
101 500
101 500
101 500
Total tax
30 736
27 310
31 438
30 347
After tax
70 764
74 190
70 062
71 153
Living cost
26 790
26 790
26 790
26 790
Free-cash
43 974
47 400
43 272
44 363

Estimated living cost  is ₽26790 per week

₽18314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽5934
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
₽30855
₽40271
₽40763
₽41315
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
-
-
-
101 500
income
-
-
-
24 603
pensions
-
-
-
6 474
total
-
-
-
31 077
Employee
41 388
-
89 050
-
income
7 537
-
18 324
-
health
540
-
1 452
-
pensions
3 159
-
8 267
-
total
11 236
-
28 043
-
Employer
41 388
-
89 050
-
pensions
4 182
-
10 759
-
health
787
-
1 691
-
total
4 969
-
12 450
-
Corporate
55 144
101 500
-
-
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.

10 478
19 284
-
-
total
10 478
19 284
-
-
Dividends
44 666
82 216
-
-
withholding
3 350
11 301
-
-
total
3 350
11 301
-
-
Income
101 500
101 500
101 500
101 500
Total tax
30 033
30 585
40 493
31 077
After tax
71 467
70 915
61 007
70 423
Living cost
30 152
30 152
30 152
30 152
Free-cash
41 315
40 763
30 855
40 271

Estimated living cost  is ₽30152 per week

₽20684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽6316
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
₽12087
₽16730
₽20559
₽16802
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
-
-
-
101 500
municipal
-
-
-
679
regional
-
-
-
2 201
national
-
-
-
22 881
social contributions
-
-
-
26 105
total
-
-
-
51 866
Employee
69 601
-
101 500
-
regional
1 051
-
1 882
-
social contributions
23 469
-
34 226
-
national
11 762
-
19 796
-
municipal
415
-
605
-
total
36 697
-
56 509
-
Employer
69 601
-
101 500
-
total
-
-
-
-
Corporate
31 899
101 500
-
-
nationa
7 655
24 361
-
-
municipal
1 538
4 892
-
-
total
9 193
29 253
-
-
Dividends
22 706
72 247
-
-
withholding
5 904
18 784
-
-
total
5 904
18 784
-
-
Income
101 500
101 500
101 500
101 500
Total tax
51 794
48 037
56 509
51 866
After tax
49 706
53 463
44 991
49 634
Living cost
32 904
32 904
32 904
32 904
Free-cash
16 802
20 559
12 087
16 730

Estimated living cost  is ₽32904 per week

₽23113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7030
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
₽36563
₽52242
-₽9054
₽5570
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
-
-
-
101 500
income
-
-
-
26 513
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 267
other
-
-
-
291
total
-
-
-
31 982
Employee
27 175
-
89 174
-
income
3 728
-
19 134
-
health
3 112
-
10 211
-
pensions
3 060
-
5 991
-
total
9 900
-
35 336
-
Employer
27 175
-
89 174
-
unemployment
666
-
2 185
-
pensions
4 419
-
8 651
-
accident
454
-
1 489
-
total
5 539
-
12 325
-
Corporate
68 786
101 500
-
-
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.

61 908
91 350
-
-
total
61 908
91 350
-
-
Dividends
6 879
10 150
-
-
withholding
1 307
1 928
-
-
total
1 307
1 928
-
-
Income
101 500
101 500
101 500
101 500
Total tax
78 654
93 278
47 661
31 982
After tax
22 846
8 222
53 839
69 518
Living cost
17 276
17 276
17 276
17 276
Free-cash
5 570
-9 054
36 563
52 242

Estimated living cost  is ₽17276 per week

₽12662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
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.
₽3297
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
₽36014
₽26959
₽20422
₽31225
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.

-
-
-
101 500
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.

-
-
-
26 497
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.

-
-
-
5 643
trade
-
-
-
9 055
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.

-
-
-
1 458
total
-
-
-
42 653
Employee

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

41 097
-
101 500
-
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.

3 379
-
26 497
-
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.

5 643
-
5 643
-
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.

187
-
1 458
-
total
9 209
-
33 598
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
60 403
101 500
-
-
chamber of commerce
215
274
-
-
income
9 061
15 224
-
-
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.

498
837
-
-
trade
8 668
14 566
-
-
total
18 442
30 901
-
-
Dividends
41 961
70 598
-
-
withholding
10 176
17 336
-
-
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.

560
953
-
-
total
10 736
18 289
-
-
Income
101 500
101 500
101 500
101 500
Total tax
38 387
49 190
33 598
42 653
After tax
63 113
52 310
67 902
58 847
Living cost
31 888
31 888
31 888
31 888
Free-cash
31 225
20 422
36 014
26 959

Estimated living cost  is ₽31888 per week

₽21997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3431
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽5997
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
₽39814
₽11663
₽64017
₽57241
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.

-
-
-
101 500
microenterprise
-
-
-
-
income
-
-
-
15 125
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.

-
-
-
31 646
surtax
-
-
-
25 883
total
-
-
-
72 654
Employee
24 135
-
81 796
-
income
4 296
-
15 802
-
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.

2 655
-
8 997
-
surtax
-
-
-
-
total
6 951
-
24 799
-
Employer
24 135
-
81 796
-
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.

5 814
-
19 704
-
surtax
-
-
-
-
total
5 814
-
19 704
-
Corporate
71 551
101 500
-
-
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%.

14 311
20 300
-
-
total
14 311
20 300
-
-
Dividends

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

57 241
81 200
-
-
total
-
-
-
-
Income
101 500
101 500
101 500
101 500
Total tax
27 076
20 300
44 503
72 654
After tax
74 424
81 200
56 997
28 846
Living cost
17 183
17 183
17 183
17 183
Free-cash
57 241
64 017
39 814
11 663

Estimated living cost  is ₽17183 per week

₽10963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4194
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
₽48279
₽49037
₽52665
₽50911
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
-
-
-
101 500
income
-
-
-
28 365
health
-
-
-
5 643
pensions
-
-
-
7 784
total
-
-
-
41 792
Employee
16 253
-
92 743
-
income
3 144
-
27 956
-
health
813
-
1 946
-
unemployment
163
-
389
-
pensions
1 463
-
3 503
-
total
5 583
-
33 794
-
Employer
16 253
-
92 743
-
unemployment
325
-
778
-
pensions
1 788
-
4 281
-
health
1 544
-
3 697
-
total
3 657
-
8 756
-
Corporate
81 590
101 500
-
-
income
17 950
22 330
-
-
total
17 950
22 330
-
-
Dividends
63 640
79 170
-
-
withholding
12 728
15 834
-
-
total
12 728
15 834
-
-
Income
101 500
101 500
101 500
101 500
Total tax
39 918
38 164
42 550
41 792
After tax
61 582
63 336
58 950
59 708
Living cost
10 671
10 671
10 671
10 671
Free-cash
50 911
52 665
48 279
49 037

Estimated living cost  is ₽10671 per week

₽6341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3220
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
₽29057
₽30728
₽45290
₽42665
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
-
-
-
101 500
income
-
-
-
21 613
health
-
-
-
7 207
unemployment
-
-
-
188
surtax
-
-
-
2 912
pensions
-
-
-
20 300
other
-
-
-
-
total
-
-
-
52 220
Employee
27 815
-
83 849
-
other
-
-
-
-
income
4 663
-
20 028
-
health
710
-
2 138
-
unemployment
1 936
-
5 835
-
surtax
99
-
2 647
-
pensions
1 856
-
5 593
-
total
9 264
-
36 241
-
Employer
27 815
-
83 849
-
unemployment
882
-
2 658
-
pensions
3 709
-
11 177
-
other
-
-
-
-
health
1 265
-
3 815
-
total
5 856
-
17 650
-
Corporate
67 829
101 500
-
-
income
17 635
26 391
-
-
total
17 635
26 391
-
-
Dividends
50 194
75 109
-
-
withholding
7 528
11 267
-
-
total
7 528
11 267
-
-
Income
101 500
101 500
101 500
101 500
Total tax
40 283
37 658
53 891
52 220
After tax
61 217
63 842
47 609
49 280
Living cost
18 552
18 552
18 552
18 552
Free-cash
42 665
45 290
29 057
30 728

Estimated living cost  is ₽18552 per week

₽11201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5309
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
₽2041
₽24415
₽30318
₽29908
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
-
-
-
101 500
income
-
-
-
20 030
chamber of commerce
-
-
-
406