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
₽ 103000
per

Your estimated
City
free-cash

Andorra , Andorra
₽50515
₽62340
₽53251
₽65391
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
-
-
-
103 000
social contributions
-
-
-
22 660
income
-
-
-
2 517
total
-
-
-
25 177
Employee
29 206
-
89 177
-
social contributions
1 898
-
5 796
-
income
-
-
2 822
-
total
1 898
-
8 618
-
Employer
29 206
-
89 177
-
social contributions
4 527
-
13 823
-
total
4 527
-
13 823
-
Corporate
69 267
103 000
-
-
income
6 927
10 301
-
-
total
6 927
10 301
-
-
Dividends
62 340
92 699
-
-
total
-
-
-
-
Income
103 000
103 000
103 000
103 000
Total tax
13 352
10 301
22 441
25 177
After tax
89 648
92 699
80 559
77 823
Living cost
27 308
27 308
27 308
27 308
Free-cash
62 340
65 391
53 251
50 515

Estimated living cost  is ₽27308 per week

₽17657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
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.
₽7079
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

Andorra has a limit of 1000 sole-trade resident permits per year, so while it isn't complicated to obtain one, it may get difficult by the end of the term.

Graz , Austria
₽22352
₽28199
₽730
₽28649
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
-
-
-
103 000
surtax
-
-
-
-
unemployment
-
-
-
5 572
health
-
-
-
7 880
chamber of commerce
-
-
-
412
pensions
-
-
-
19 055
income
-
-
-
18 746
total
-
-
-
51 665
Employee
39 711
36 203
79 982
-
unemployment
1 191
1 086
2 400
-
other
397
362
800
-
income
3 538
2 670
16 648
-
pensions
4 067
3 707
8 191
-
health
1 536
1 402
3 095
-
total
10 729
9 227
31 134
-
Employer
39 711
36 203
79 982
-
pensions
4 984
4 544
10 037
-
surtax
-
-
-
-
payroll
1 191
1 086
2 400
-
other
1 886
1 719
3 798
-
health
1 502
1 369
3 024
-
accident
515
471
1 040
-
unemployment
1 191
1 086
2 400
-
chamber of commerce
159
145
321
-
total
11 428
10 420
23 020
-
Corporate
51 860
56 377
76 534
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

12 964
14 093
19 133
-
total
12 964
14 093
19 133
-
Dividends
38 896
42 283
-
-
withholding
10 697
11 628
-
-
total
10 697
11 628
-
-
Income
103 000
103 000
103 000
103 000
Total tax
45 818
45 368
73 287
51 665
After tax
57 182
57 632
29 713
51 335
Living cost
28 983
28 983
28 983
28 983
Free-cash
28 199
28 649
730
22 352

Estimated living cost  is ₽28983 per week

₽17386
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽8120
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

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Vienna , Austria
₽19145
₽24117
-₽2326
₽25524
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
-
-
-
103 000
surtax
-
-
-
179
unemployment
-
-
-
5 572
health
-
-
-
7 880
chamber of commerce
-
-
-
412
pensions
-
-
-
19 055
income
-
-
-
18 746
total
-
-
-
51 844
Employee
45 401
36 203
79 844
-
unemployment
1 362
1 086
2 395
-
other
453
362
798
-
income
5 168
2 670
16 600
-
pensions
4 650
3 707
8 177
-
health
1 757
1 402
3 089
-
total
13 390
9 227
31 059
-
Employer
45 401
36 203
79 844
-
pensions
5 698
4 544
10 020
-
surtax
179
179
179
-
payroll
1 362
1 086
2 395
-
other
2 157
1 719
3 793
-
health
1 715
1 369
3 019
-
accident
590
471
1 038
-
unemployment
1 362
1 086
2 395
-
chamber of commerce
181
145
319
-
total
13 244
10 599
23 158
-
Corporate
44 356
56 198
76 396
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

11 089
14 049
19 098
-
total
11 089
14 049
19 098
-
Dividends
33 267
42 149
-
-
withholding
9 149
11 590
-
-
total
9 149
11 590
-
-
Income
103 000
103 000
103 000
103 000
Total tax
46 872
45 465
73 315
51 844
After tax
56 128
57 535
29 685
51 156
Living cost
32 011
32 011
32 011
32 011
Free-cash
24 117
25 524
-2 326
19 145

Estimated living cost  is ₽32011 per week

₽21350
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2731
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.
₽7404
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

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Brussels , Belgium
₽13833
₽10975
₽6298
₽24599
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
-
-
-
103 000
national
-
-
-
34 279
communal

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

-
-
-
5 186
social contributions
-
-
-
16 578
total
-
-
-
56 043
Employee

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

64 983
-
79 776
-
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.

565
-
695
-
national
19 978
-
25 764
-
communal

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

3 389
-
4 162
-
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.

4 874
-
5 984
-
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.

3 053
-
3 750
-
total
31 859
-
40 355
-
Employer

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

64 983
-
79 776
-
surtax
7 368
-
9 047
-
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.

5 758
-
7 068
-
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.

3 996
-
4 905
-
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.

845
-
1 038
-
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.

948
-
1 165
-
total
18 915
-
23 223
-
Corporate
19 102
103 000
-
-
income
3 820
20 600
-
-
surtax
76
412
-
-
total
3 896
21 012
-
-
Dividends
15 206
81 988
-
-
withholding

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

4 231
24 265
-
-
total
4 231
24 265
-
-
Income
103 000
103 000
103 000
103 000
Total tax
58 901
45 277
63 578
56 043
After tax
44 099
57 723
39 422
46 957
Living cost
33 124
33 124
33 124
33 124
Free-cash
10 975
24 599
6 298
13 833

Estimated living cost  is ₽33124 per week

₽21336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2896
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.
₽8373
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
Sofia , Bulgaria
₽63488
₽66935
₽66915
₽72462
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
-
-
-
103 000
unemployment
-
-
-
127
health
-
-
-
3 643
pensions

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

-
-
-
4 689
income
-
-
-
15 450
total
-
-
-
23 909
Employee
20 661
-
96 784
-
accident

We are using the highest rate at 1.1%.

227
-
349
-
income
2 066
-
9 678
-
pensions

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

1 814
-
2 782
-
health
950
-
1 457
-
total
5 057
-
14 266
-
Employer
20 661
-
96 784
-
pensions

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

2 277
-
3 491
-
health
1 426
-
2 186
-
accident

We are using the highest rate at 1.1%.

227
-
349
-
unemployment
124
-
190
-
total
4 054
-
6 216
-
Corporate
78 286
103 000
-
-
income
7 828
10 300
-
-
total
7 828
10 300
-
-
Dividends
70 457
92 700
-
-
withholding
3 523
4 635
-
-
total
3 523
4 635
-
-
Income
103 000
103 000
103 000
103 000
Total tax
20 462
14 935
20 482
23 909
After tax
82 538
88 065
82 518
79 091
Living cost
15 603
15 603
15 603
15 603
Free-cash
66 935
72 462
66 915
63 488

Estimated living cost  is ₽15603 per week

₽10320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽893
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽372
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.
₽4018
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
₽67199
₽71961
₽70626
₽76173
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
-
-
-
103 000
unemployment
-
-
-
127
health
-
-
-
3 643
pensions

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

-
-
-
4 689
income
-
-
-
15 450
total
-
-
-
23 909
Employee
15 747
-
96 784
-
accident

We are using the highest rate at 1.1%.

173
-
349
-
income
1 574
-
9 678
-
pensions

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

1 383
-
2 782
-
health
724
-
1 457
-
total
3 854
-
14 266
-
Employer
15 747
-
96 784
-
pensions

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

1 736
-
3 491
-
health
1 087
-
2 186
-
accident

We are using the highest rate at 1.1%.

173
-
349
-
unemployment
94
-
190
-
total
3 090
-
6 216
-
Corporate
84 163
103 000
-
-
income
8 416
10 300
-
-
total
8 416
10 300
-
-
Dividends
75 747
92 700
-
-
withholding
3 787
4 635
-
-
total
3 787
4 635
-
-
Income
103 000
103 000
103 000
103 000
Total tax
19 147
14 935
20 482
23 909
After tax
83 853
88 065
82 518
79 091
Living cost
11 892
11 892
11 892
11 892
Free-cash
71 961
76 173
70 626
67 199

Estimated living cost  is ₽11892 per week

₽6943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽849
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽315
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.
₽3785
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
Larnaca , Cyprus
₽51334
₽49348
₽50274
₽54291
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
-
-
-
103 000
health
-
-
-
2 627
social contributions
-
-
-
14 699
income
-
-
-
13 307
total
-
-
-
30 633
Employee
69 856
69 856
93 510
-
income
7 606
6 467
12 852
-
social contributions
2 641
5 798
7 761
-
health
541
1 188
1 590
-
total
10 788
13 453
22 203
-
Employer
69 856
69 856
93 510
-
social contributions
2 641
5 798
7 761
-
health
588
1 293
1 729
-
total
3 229
7 091
9 490
-
Corporate
67 949
26 053
-
-
income
8 494
3 257
-
-
total
8 494
3 257
-
-
Dividends
59 455
22 797
-
-
withholding
10 108
3 875
-
-
total
10 108
3 875
-
-
Income
103 000
103 000
103 000
103 000
Total tax
32 619
27 676
31 693
30 633
After tax
70 381
75 324
71 307
72 367
Living cost
21 033
21 033
21 033
21 033
Free-cash
49 348
54 291
50 274
51 334

Estimated living cost  is ₽21033 per week

₽12606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2064
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽5899
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
₽42901
₽42090
₽41841
₽45858
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
-
-
-
103 000
health
-
-
-
2 627
social contributions
-
-
-
14 699
income
-
-
-
13 307
total
-
-
-
30 633
Employee
69 856
69 856
93 510
-
income
7 336
6 467
12 852
-
social contributions
3 395
5 798
7 761
-
health
695
1 188
1 590
-
total
11 426
13 453
22 203
-
Employer
69 856
69 856
93 510
-
social contributions
3 395
5 798
7 761
-
health
757
1 293
1 729
-
total
4 152
7 091
9 490
-
Corporate
57 958
26 053
-
-
income
7 244
3 257
-
-
total
7 244
3 257
-
-
Dividends
50 714
22 797
-
-
withholding
8 622
3 875
-
-
total
8 622
3 875
-
-
Income
103 000
103 000
103 000
103 000
Total tax
31 444
27 676
31 693
30 633
After tax
71 556
75 324
71 307
72 367
Living cost
29 466
29 466
29 466
29 466
Free-cash
42 090
45 858
41 841
42 901

Estimated living cost  is ₽29466 per week

₽20143
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2302
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽6527
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
Brno , Czech Republic
₽29122
₽42363
₽31225
₽49871
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
-
-
-
103 000
health
-
-
-
13 905
social contributions
-
-
-
30 076
income
-
-
-
8 853
solidarity contribution
-
-
-
-
total
-
-
-
52 834
Employee
30 948
-
76 866
-
income
3 714
-
9 224
-
social contributions
2 012
-
4 996
-
health
4 178
-
10 377
-
solidarity contribution
-
-
-
-
total
9 904
-
24 597
-
Employer
30 948
-
76 866
-
social contributions
7 737
-
19 216
-
health
2 785
-
6 918
-
total
10 522
-
26 134
-
Corporate
61 530
103 000
-
-
income
11 691
19 570
-
-
total
11 691
19 570
-
-
Dividends
49 839
83 430
-
-
withholding
7 476
12 515
-
-
total
7 476
12 515
-
-
Income
103 000
103 000
103 000
103 000
Total tax
39 593
32 085
50 731
52 834
After tax
63 407
70 915
52 269
50 166
Living cost
21 044
21 044
21 044
21 044
Free-cash
42 363
49 871
31 225
29 122

Estimated living cost  is ₽21044 per week

₽14618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽4516
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
₽24234
₽35732
₽26337
₽44983
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
-
-
-
103 000
health
-
-
-
13 905
social contributions
-
-
-
30 076
income
-
-
-
8 853
solidarity contribution
-
-
-
-
total
-
-
-
52 834
Employee
38 135
-
76 866
-
income
4 576
-
9 224
-
social contributions
2 479
-
4 996
-
health
5 148
-
10 377
-
solidarity contribution
-
-
-
-
total
12 203
-
24 597
-
Employer
38 135
-
76 866
-
social contributions
9 534
-
19 216
-
health
3 432
-
6 918
-
total
12 966
-
26 134
-
Corporate
51 899
103 000
-
-
income
9 861
19 570
-
-
total
9 861
19 570
-
-
Dividends
42 038
83 430
-
-
withholding
6 306
12 515
-
-
total
6 306
12 515
-
-
Income
103 000
103 000
103 000
103 000
Total tax
41 336
32 085
50 731
52 834
After tax
61 664
70 915
52 269
50 166
Living cost
25 932
25 932
25 932
25 932
Free-cash
35 732
44 983
26 337
24 234

Estimated living cost  is ₽25932 per week

₽19285
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽4762
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
Copenhagen , Denmark
₽19303
-₽95495
-₽95495
-₽95495
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
-
-
-
103 000
national
-
-
-
11 105
pensions
-
-
-
790
municipal
-
-
-
19 749
labour market
-
-
-
8 177
total
-
-
-
39 821
Employee
185 189
185 189
185 189
-
municipal
39 435
39 435
39 435
-
national
22 624
22 624
22 624
-
pensions
263
263
263
-
labour market
14 794
14 794
14 794
-
total
77 116
77 116
77 116
-
Employer
185 189
185 189
185 189
-
pensions
526
526
526
-
labour market
14 815
14 815
14 815
-
municipal
39 498
39 498
39 498
-
national
22 664
22 664
22 664
-
total
77 503
77 503
77 503
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
103 000
103 000
103 000
103 000
Total tax
154 619
154 619
154 619
39 821
After tax
-51 619
-51 619
-51 619
63 179
Living cost
43 876
43 876
43 876
43 876
Free-cash
-95 495
-95 495
-95 495
19 303

Estimated living cost  is ₽43876 per week

₽30029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽675
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.
₽9291
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
Tallinn , Estonia
₽33265
₽54813
₽37426
₽60457
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
-
-
-
103 000
health
-
-
-
13 390
pensions
-
-
-
20 600
income
-
-
-
13 802
total
-
-
-
47 792
Employee
25 772
-
76 980
-
unemployment
412
-
1 231
-
income
2 901
-
14 842
-
pensions
515
-
1 540
-
total
3 828
-
17 613
-
Employer
25 772
-
76 980
-
pensions
5 155
-
15 395
-
health
3 350
-
10 008
-
unemployment
207
-
615
-
total
8 712
-
26 018
-
Corporate
68 517
103 000
-
-
income
13 704
20 600
-
-
total
13 704
20 600
-
-
Dividends
54 813
82 400
-
-
total
-
-
-
-
Income
103 000
103 000
103 000
103 000
Total tax
26 244
20 600
43 631
47 792
After tax
76 756
82 400
59 369
55 208
Living cost
21 943
21 943
21 943
21 943
Free-cash
54 813
60 457
37 426
33 265

Estimated living cost  is ₽21943 per week

₽15050
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5144
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
Helsinki , Finland
₽36903
₽31962
₽22779
₽32677
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

-
-
-
103 000
national
-
-
-
11 690
health
-
-
-
1 207
municipal
-
-
-
18 322
total
-
-
-
31 219
Employee
47 796
-
86 650
-
unemployment
717
-
1 300
-
municipal
7 829
-
14 138
-
national
790
-
6 751
-
pensions
3 226
-
5 849
-
health
357
-
955
-
total
12 919
-
28 993
-
Employer
47 796
-
86 650
-
pensions
8 292
-
15 033
-
health
367
-
667
-
accident
48
-
86
-
unemployment
310
-
564
-
total
9 017
-
16 350
-
Corporate
46 186
103 000
-
-
income
9 237
20 600
-
-
total
9 237
20 600
-
-
Dividends

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

27 712
61 800
-
-
municipal
4 987
11 125
-
-
national
-
3 720
-
-
total
4 987
14 845
-
-
Income
103 000
103 000
103 000
103 000
Total tax
36 160
35 445
45 343
31 219
After tax
66 840
67 555
57 657
71 781
Living cost
34 878
34 878
34 878
34 878
Free-cash
31 962
32 677
22 779
36 903

Estimated living cost  is ₽34878 per week

₽22782
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
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.
₽8187
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.

Marseille , France
₽30962
₽28957
₽34913
₽23910
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
-
-
-
103 000
surtax
-
-
-
-
health
-
-
-
2 576
pensions
-
-
-
23 802
social contributions
-
-
-
2 936
income
-
-
-
11 529
other
-
-
-
3 193
total
-
-
-
44 036
Employee
34 706
-
82 847
-
income
1 789
-
13 178
-
surtax
-
-
-
-
social contributions
990
-
2 360
-
pensions
3 925
-
4 394
-
total
6 704
-
19 932
-
Employer
34 706
-
82 847
-
pensions
5 703
-
7 643
-
social contributions
103
-
248
-
other
1 198
-
2 858
-
health
2 429
-
6 049
-
unemployment
1 405
-
3 355
-
total
10 838
-
20 153
-
Corporate
57 455
103 000
-
-
income
16 088
28 840
-
-
surtax
-
-
-
-
total
16 088
28 840
-
-
Dividends
41 367
74 160
-
-
withholding
5 294
9 492
-
-
social contributions
7 117
12 756
-
-
surtax
-
-
-
-
total
12 411
22 248
-
-
Income
103 000
103 000
103 000
103 000
Total tax
46 041
51 088
40 085
44 036
After tax
56 959
51 912
62 915
58 964
Living cost
28 002
28 002
28 002
28 002
Free-cash
28 957
23 910
34 913
30 962

Estimated living cost  is ₽28002 per week

₽16240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2845
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
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.
₽8387
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
₽27883
₽26196
₽31834
₽20831
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
-
-
-
103 000
surtax
-
-
-
-
health
-
-
-
2 576
pensions
-
-
-
23 802
social contributions
-
-
-
2 936
income
-
-
-
11 529
other
-
-
-
3 193
total
-
-
-
44 036
Employee
38 881
-
82 847
-
income
2 295
-
13 178
-
surtax
-
-
-
-
social contributions
1 109
-
2 360
-
pensions
4 396
-
4 394
-
total
7 800
-
19 932
-
Employer
38 881
-
82 847
-
pensions
6 387
-
7 643
-
social contributions
117
-
248
-
other
1 341
-
2 858
-
health
2 722
-
6 049
-
unemployment
1 574
-
3 355
-
total
12 141
-
20 153
-
Corporate
51 977
103 000
-
-
income
14 554
28 840
-
-
surtax
-
-
-
-
total
14 554
28 840
-
-
Dividends
37 424
74 160
-
-
withholding
4 791
9 492
-
-
social contributions
6 437
12 756
-
-
surtax
-
-
-
-
total
11 228
22 248
-
-
Income
103 000
103 000
103 000
103 000
Total tax
45 723
51 088
40 085
44 036
After tax
57 277
51 912
62 915
58 964
Living cost
31 081
31 081
31 081
31 081
Free-cash
26 196
20 831
31 834
27 883

Estimated living cost  is ₽31081 per week

₽19598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
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.
₽8429
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
Paris , France
₽15087
₽14278
₽19038
₽8035
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
-
-
-
103 000
surtax
-
-
-
-
health
-
-
-
2 576
pensions
-
-
-
23 802
social contributions
-
-
-
2 936
income
-
-
-
11 529
other
-
-
-
3 193
total
-
-
-
44 036
Employee
56 899
-
82 847
-
income
4 965
-
13 178
-
surtax
-
-
-
-
social contributions
1 621
-
2 360
-
pensions
6 436
-
4 394
-
total
13 022
-
19 932
-
Employer
56 899
-
82 847
-
pensions
9 349
-
7 643
-
social contributions
171
-
248
-
other
1 964
-
2 858
-
health
3 982
-
6 049
-
unemployment
2 305
-
3 355
-
total
17 771
-
20 153
-
Corporate
28 331
103 000
-
-
income
7 932
28 840
-
-
surtax
-
-
-
-
total
7 932
28 840
-
-
Dividends
20 399
74 160
-
-
withholding
2 612
9 492
-
-
social contributions
3 508
12 756
-
-
surtax
-
-
-
-
total
6 120
22 248
-
-
Income
103 000
103 000
103 000
103 000
Total tax
44 845
51 088
40 085
44 036
After tax
58 155
51 912
62 915
58 964
Living cost
43 877
43 877
43 877
43 877
Free-cash
14 278
8 035
19 038
15 087

Estimated living cost  is ₽43877 per week

₽29695
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3589
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽602
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.
₽9990
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
₽96127
₽90912
₽76557
₽92007
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%.

-
-
-
103 000
microenterprise

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

-
-
-
1 030
total
-
-
-
1 030
Employee
7 303
-
103 000
-
income
1 460
-
20 600
-
total
1 460
-
20 600
-
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%.

95 697
103 000
-
-
total
-
-
-
-
Dividends
95 697
103 000
-
-
withholding
4 785
5 150
-
-
total
4 785
5 150
-
-
Income
103 000
103 000
103 000
103 000
Total tax
6 245
5 150
20 600
1 030
After tax
96 755
97 850
82 400
101 970
Living cost
5 843
5 843
5 843
5 843
Free-cash
90 912
92 007
76 557
96 127

Estimated living cost  is ₽5843 per week

₽3621
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽161
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.
₽1575
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.

Tbilisi , Georgia
₽92865
₽87038
₽73295
₽88745
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%.

-
-
-
103 000
microenterprise

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

-
-
-
1 030
total
-
-
-
1 030
Employee
11 381
-
103 000
-
income
2 276
-
20 600
-
total
2 276
-
20 600
-
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%.

91 619
103 000
-
-
total
-
-
-
-
Dividends
91 619
103 000
-
-
withholding
4 581
5 150
-
-
total
4 581
5 150
-
-
Income
103 000
103 000
103 000
103 000
Total tax
6 857
5 150
20 600
1 030
After tax
96 143
97 850
82 400
101 970
Living cost
9 105
9 105
9 105
9 105
Free-cash
87 038
88 745
73 295
92 865

Estimated living cost  is ₽9105 per week

₽6161
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽382
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽305
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.
₽2256
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.

Berlin , Germany
₽26083
₽29913
₽34803
₽18029
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.

-
-
-
103 000
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.

-
-
-
1 403
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.

-
-
-
6 206
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.

-
-
-
25 515
trade
-
-
-
8 720
total
-
-
-
41 844
Employee

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

45 201
-
103 000
-
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.

3 717
-
25 515
-
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.

205
-
1 403
-
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.

6 206
-
6 206
-
total
10 128
-
33 124
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
57 799
103 000
-
-
trade
8 294
14 781
-
-
income
8 670
15 450
-
-
chamber of commerce
222
290
-
-
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.

478
850
-
-
total
17 664
31 371
-
-
Dividends
40 135
71 629
-
-
withholding
9 689
17 562
-
-
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.

533
965
-
-
total
10 222
18 527
-
-
Income
103 000
103 000
103 000
103 000
Total tax
38 014
49 898
33 124
41 844
After tax
64 986
53 102
69 876
61 156
Living cost
35 073
35 073
35 073
35 073
Free-cash
29 913
18 029
34 803
26 083

Estimated living cost  is ₽35073 per week

₽24194
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3774
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
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.
₽6596
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.

Dresden , Germany
₽32790
₽34572
₽42360
₽24527
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.

-
-
-
103 000
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.

-
-
-
1 403
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.

-
-
-
6 206
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.

-
-
-
25 515
trade
-
-
-
9 570
total
-
-
-
42 694
Employee

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

34 747
-
103 000
-
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.

971
-
25 515
-
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.

53
-
1 403
-
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.

6 206
-
6 206
-
total
7 230
-
33 124
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
68 253
103 000
-
-
trade
10 751
16 223
-
-
income
10 239
15 450
-
-
chamber of commerce
236
286
-
-
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.

564
850
-
-
total
21 790
32 809
-
-
Dividends
46 464
70 191
-
-
withholding
11 271
17 202
-
-
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.

621
946
-
-
total
11 892
18 148
-
-
Income
103 000
103 000
103 000
103 000
Total tax
40 912
50 957
33 124
42 694
After tax
62 088
52 043
69 876
60 306
Living cost
27 516
27 516
27 516
27 516
Free-cash
34 572
24 527
42 360
32 790

Estimated living cost  is ₽27516 per week

₽17309
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3208
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
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.
₽6486
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.

Hamburg , Germany
₽24192
₽28591
₽34188
₽15826
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.

-
-
-
103 000
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.

-
-
-
1 403
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.

-
-
-
6 206
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.

-
-
-
25 515
trade
-
-
-
9 996
total
-
-
-
43 120
Employee

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

46 070
-
103 000
-
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.

3 958
-
25 515
-
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.

217
-
1 403
-
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.

6 206
-
6 206
-
total
10 381
-
33 124
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
56 930
103 000
-
-
trade
9 365
16 943
-
-
income
8 539
15 450
-
-
chamber of commerce
219
284
-
-
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.

469
850
-
-
total
18 592
33 527
-
-
Dividends
38 339
69 472
-
-
withholding
9 239
17 023
-
-
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
936
-
-
total
9 748
17 959
-
-
Income
103 000
103 000
103 000
103 000
Total tax
38 721
51 486
33 124
43 120
After tax
64 279
51 514
69 876
59 880
Living cost
35 688
35 688
35 688
35 688
Free-cash
28 591
15 826
34 188
24 192

Estimated living cost  is ₽35688 per week

₽23868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3763
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽7523
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.

Munich , Germany
₽17838
₽24099
₽28259
₽9367
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.

-
-
-
103 000
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.

-
-
-
1 403
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.

-
-
-
6 206
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.

-
-
-
25 515
trade
-
-
-
10 421
total
-
-
-
43 545
Employee

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

54 597
-
103 000
-
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.

6 420
-
25 515
-
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.

353
-
1 403
-
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.

6 206
-
6 206
-
total
12 979
-
33 124
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 403
103 000
-
-
trade
8 301
17 664
-
-
income
7 260
15 450
-
-
chamber of commerce
207
283
-
-
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.

400
850
-
-
total
16 168
34 247
-
-
Dividends
32 236
68 753
-
-
withholding
7 713
16 843
-
-
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.

424
926
-
-
total
8 137
17 769
-
-
Income
103 000
103 000
103 000
103 000
Total tax
37 284
52 016
33 124
43 545
After tax
65 716
50 984
69 876
59 455
Living cost
41 617
41 617
41 617
41 617
Free-cash
24 099
9 367
28 259
17 838

Estimated living cost  is ₽41617 per week

₽30395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽7353
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.

Athens , Greece
₽30805
₽41491
₽29117
₽44382
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
-
-
-
103 000
surtax
-
-
-
2 731
unemployment
-
-
-
207
health
-
-
-
7 313
pensions
-
-
-
20 600
income
-
-
-
20 939
other
-
-
-
-
total
-
-
-
51 790
Employee
30 594
-
85 090
-
unemployment
2 129
-
5 922
-
other
-
-
-
-
income
5 129
-
19 338
-
surtax
109
-
2 464
-
pensions
2 041
-
5 675
-
health
781
-
2 169
-
total
10 189
-
35 568
-
Employer
30 594
-
85 090
-
pensions
4 079
-
11 342
-
other
-
-
-
-
health
1 391
-
3 870
-
unemployment
971
-
2 698
-
total
6 441
-
17 910
-
Corporate
65 966
103 000
-
-
income
17 152
26 780
-
-
total
17 152
26 780
-
-
Dividends
48 814
76 220
-
-
withholding
7 322
11 433
-
-
total
7 322
11 433
-
-
Income
103 000
103 000
103 000
103 000
Total tax
41 104
38 213
53 478
51 790
After tax
61 896
64 787
49 522
51 210
Living cost
20 405
20 405
20 405
20 405
Free-cash
41 491
44 382
29 117
30 805

Estimated living cost  is ₽20405 per week

₽12320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1774
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽474
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.
₽5839
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
Thessaloniki , Greece
₽31163
₽41914
₽29475
₽44740
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
-
-
-
103 000
surtax
-
-
-
2 731
unemployment
-
-
-
207
health
-
-
-
7 313
pensions
-
-
-
20 600
income
-
-
-
20 939
other
-
-
-
-
total
-
-
-
51 790
Employee
30 042
-
85 090
-
unemployment
2 091
-
5 922
-
other
-
-
-
-
income
5 036
-
19 338
-
surtax
98
-
2 464
-
pensions
2 003
-
5 675
-
health
767
-
2 169
-
total
9 995
-
35 568
-
Employer
30 042
-
85 090
-
pensions
4 005
-
11 342
-
other
-
-
-
-
health
1 367
-
3 870
-
unemployment
952
-
2 698
-
total
6 324
-
17 910
-
Corporate
66 634
103 000
-
-
income
17 324
26 780
-
-
total
17 324
26 780
-
-
Dividends
49 310
76 220
-
-
withholding
7 396
11 433
-
-
total
7 396
11 433
-
-
Income
103 000
103 000
103 000
103 000
Total tax
41 039
38 213
53 478
51 790
After tax
61 961
64 787
49 522
51 210
Living cost
20 047
20 047
20 047
20 047
Free-cash
41 914
44 740
29 475
31 163

Estimated living cost  is ₽20047 per week

₽12257
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1850
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.
₽5477
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
Budapest , Hungary
₽53165
₽40204
₽41522
₽39826
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
-
-
-
103 000
unemployment
-
-
-
1 545
health
-
-
-
7 210
pensions
-
-
-
10 300
income
-
-
-
12 592
total
-
-
-
31 647
Employee

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

26 255
10 449
86 192
-
unemployment
394
157
1 293
-
income
3 210
1 277
10 537
-
pensions
2 626
1 045
8 619
-
health
1 838
731
6 033
-
total
8 068
3 210
26 482
-
Employer

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

26 255
10 449
86 192
-
pensions
5 120
2 038
16 808
-
total
5 120
2 038
16 808
-
Corporate
71 625
90 513
-
-
income
6 446
8 146
-
-
total
6 446
8 146
-
-
Dividends
65 179
82 367
-
-
withholding
12 384
15 650
-
-
social contributions
12 590
15 942
-
-
total
24 974
31 592
-
-
Income
103 000
103 000
103 000
103 000
Total tax
44 608
44 986
43 290
31 647
After tax
58 392
58 014
59 710
71 353
Living cost
18 188
18 188
18 188
18 188
Free-cash
40 204
39 826
41 522
53 165

Estimated living cost  is ₽18188 per week

₽12412
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1488
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽363
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.
₽3925
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
Reykjavik , Iceland
₽17671
₽19546
₽18480
₽20278
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
-
-
-
103 000
national
-
-
-
16 938
pensions
-
-
-
12 360
social contributions
-
-
-
1 107
municipal
-
-
-
10 930
total
-
-
-
41 335
Employee
68 198
-
89 043
-
municipal
8 424
-
11 329
-
national
13 053
-
17 555
-
pensions
2 728
-
3 562
-
total
24 205
-
32 446
-
Employer
68 198
-
89 043
-
pensions
5 456
-
7 123
-
social contributions
733
-
957
-
total
6 189
-
8 080
-
Corporate
24 111
103 000
-
-
income

Corporate income tax will depend on a type of legal entity. For LLC and Limited Partnership it is set at 20%. All other entities pay 37.6%.

4 822
20 600
-
-
total
4 822
20 600
-
-
Dividends
19 289
82 400
-
-
withholding
4 244
18 128
-
-
total
4 244
18 128
-
-
Income
103 000
103 000
103 000
103 000
Total tax
39 460
38 728
40 526
41 335
After tax
63 540
64 272
62 474
61 665
Living cost
43 994
43 994
43 994
43 994
Free-cash
19 546
20 278
18 480
17 671

Estimated living cost  is ₽43994 per week

₽29902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4090
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
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.
₽9344
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

It is very difficult to get a residence permit on a basis of self-employment for a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit). EU/EFTA nationals and long-term EU resident permit holders can register self-employed and apply for a permanent residence.

Dublin , Ireland
₽15649
₽22355
₽15649
₽20349
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
-
-
-
103 000
social contributions
-
-
-
9 417
income
-
-
-
26 184
total
-
-
-
35 601
Employee
71 062
-
103 000
-
social contributions
5 904
-
9 417
-
income
13 409
-
26 184
-
total
19 313
-
35 601
-
Employer
71 062
-
103 000
-
total
-
-
-
-
Corporate
31 938
103 000
-
-
income
3 993
12 875
-
-
total
3 993
12 875
-
-
Dividends
27 946
90 125
-
-
withholding
5 589
18 026
-
-
total
5 589
18 026
-
-
Income
103 000
103 000
103 000
103 000
Total tax
28 895
30 901
35 601
35 601
After tax
74 105
72 099
67 399
67 399
Living cost
51 750
51 750
51 750
51 750
Free-cash
22 355
20 349
15 649
15 649

Estimated living cost  is ₽51750 per week

₽39370
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4217
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽7668
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

To obtain permanent residence for non EEA/Swiss nationals, it is required to invest a huge amount - at least €1 million aggregate investment into a new or an existing Irish business, for a minimum of three years.

Milan , Italy
₽13675
₽11875
₽8774
₽16621
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
-
-
-
103 000
national
-
-
-
22 729
regional
-
-
-
1 158
social contributions
-
-
-
26 492
municipal
-
-
-
612
total
-
-
-
50 991
Employee
80 738
-
103 000
-
municipal
428
-
546
-
national
13 990
-
19 598
-
social contributions
27 225
-
34 731
-
regional
762
-
1 017
-
total
42 405
-
55 892
-
Employer
80 738
-
103 000
-
total
-
-
-
-
Corporate
22 262
103 000
-
-
nationa
5 343
24 720
-
-
municipal
869
4 017
-
-
total
6 212
28 737
-
-
Dividends
16 050
74 263
-
-
withholding
4 174
19 308
-
-
total
4 174
19 308
-
-
Income
103 000
103 000
103 000
103 000
Total tax
52 791
48 045
55 892
50 991
After tax
50 209
54 955
47 108
52 009
Living cost
38 334
38 334
38 334
38 334
Free-cash
11 875
16 621
8 774
13 675

Estimated living cost  is ₽38334 per week

₽26722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
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.
₽8510
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
Naples , Italy
₽27143
₽27650
₽22268
₽29668
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
-
-
-
103 000
national
-
-
-
22 729
regional
-
-
-
1 552
social contributions
-
-
-
26 492
municipal
-
-
-
612
total
-
-
-
51 385
Employee
50 394
-
103 000
-
municipal
267
-
546
-
national
7 984
-
19 598
-
social contributions
16 993
-
34 731
-
regional
678
-
1 385
-
total
25 922
-
56 260
-
Employer
50 394
-
103 000
-
total
-
-
-
-
Corporate
52 606
103 000
-
-
nationa
12 626