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
₽ 10500
per

Your estimated
City
free-cash

Valencia , Spain
-₽27487
-₽20973
-₽16988
-₽14193
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
-
-
-
10 500
unemployment
-
-
-
117
income
-
-
-
1 041
other
-
-
-
16
accident
-
-
-
151
pensions
-
-
-
4 741
total
-
-
-
6 066
Employee
28 805
-
2 207
-
unemployment
446
-
404
-
pensions
1 354
-
1 223
-
income
5 553
-
105
-
other
28
-
27
-
total
7 381
-
1 759
-
Employer
28 805
-
2 207
-
pensions
6 797
-
6 139
-
accident
571
-
514
-
unemployment
1 585
-
1 431
-
other
231
-
208
-
total
9 184
-
8 292
-
Corporate
-
10 500
-
-
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.

-
1 574
-
-
total
-
1 574
-
-
Dividends
-
8 926
-
-
withholding
-
1 697
-
-
total
-
1 697
-
-
Income
10 500
10 500
10 500
10 500
Total tax
16 565
3 271
10 051
6 066
After tax
-6 065
7 229
449
4 434
Living cost
21 422
21 422
21 422
21 422
Free-cash
-27 487
-14 193
-20 973
-16 988

Estimated living cost  is ₽21422 per week

₽14459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽4528
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
-₽24912
-₽14604
-₽15070
-₽13044
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
-
-
-
10 500
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.

-
-
-
2 519
income
-
-
-
1 333
other
-
-
-
498
health
-
-
-
463
total
-
-
-
4 813
Employee
28 285
-
8 385
-
health
396
-
117
-
unemployment
282
-
84
-
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.

1 979
-
587
-
income
4 870
-
1 443
-
total
7 527
-
2 231
-
Employer
28 285
-
8 385
-
health
396
-
117
-
pensions

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

4 809
-
1 425
-
accident
226
-
67
-
unemployment
282
-
84
-
other
1 415
-
423
-
total
7 128
-
2 116
-
Corporate
-
10 500
-
-
income
-
2 206
-
-
total
-
2 206
-
-
Dividends
-
8 294
-
-
withholding
-
581
-
-
total
-
581
-
-
Income
10 500
10 500
10 500
10 500
Total tax
14 655
2 787
4 347
4 813
After tax
-4 155
7 713
6 153
5 687
Living cost
20 757
20 757
20 757
20 757
Free-cash
-24 912
-13 044
-14 604
-15 070

Estimated living cost  is ₽20757 per week

₽14666
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽334
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.
₽4355
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
-₽5660
-₽3575
-₽4081
-₽1225
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
-
-
-
10 500
pensions

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

-
-
-
1 554
unemployment
-
-
-
42
income
-
-
-
1 575
health
-
-
-
1 208
total
-
-
-
4 379
Employee
13 509
-
8 778
-
health
621
-
404
-
accident

We are using the highest rate at 1.1%.

149
-
97
-
pensions

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

1 186
-
771
-
income
1 351
-
878
-
total
3 307
-
2 150
-
Employer
13 509
-
8 778
-
health
932
-
606
-
pensions

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

1 489
-
967
-
accident

We are using the highest rate at 1.1%.

149
-
97
-
unemployment
81
-
53
-
total
2 651
-
1 723
-
Corporate
-
10 500
-
-
income
-
1 050
-
-
total
-
1 050
-
-
Dividends
-
9 450
-
-
withholding
-
473
-
-
total
-
473
-
-
Income
10 500
10 500
10 500
10 500
Total tax
5 958
1 523
3 873
4 379
After tax
4 542
8 977
6 627
6 121
Living cost
10 202
10 202
10 202
10 202
Free-cash
-5 660
-1 225
-3 575
-4 081

Estimated living cost  is ₽10202 per week

₽5956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽729
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽270
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.
₽3247
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
-₽33253
-₽19784
-₽20940
-₽21361
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
-
-
-
10 500
income
-
-
-
-
other
-
-
-
325
health
-
-
-
207
social contributions
-
-
-
299
pensions
-
-
-
3 957
surtax
-
-
-
-
total
-
-
-
4 788
Employee
33 340
-
8 002
-
pensions
3 770
-
905
-
income
1 968
-
-
-
social contributions
951
-
229
-
surtax
-
-
-
-
total
6 689
-
1 134
-
Employer
33 340
-
8 002
-
health
2 334
-
560
-
social contributions
101
-
24
-
pensions
5 477
-
1 314
-
unemployment
1 350
-
324
-
other
1 150
-
276
-
total
10 412
-
2 498
-
Corporate
-
10 500
-
-
income
-
2 940
-
-
surtax
-
-
-
-
total
-
2 940
-
-
Dividends
-
7 560
-
-
social contributions
-
1 301
-
-
surtax
-
-
-
-
withholding
-
968
-
-
total
-
2 269
-
-
Income
10 500
10 500
10 500
10 500
Total tax
17 101
5 209
3 632
4 788
After tax
-6 601
5 291
6 868
5 712
Living cost
26 652
26 652
26 652
26 652
Free-cash
-33 253
-21 361
-19 784
-20 940

Estimated living cost  is ₽26652 per week

₽16805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2167
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7227
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
-₽66857
-₽66857
-₽26579
-₽62484
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
-
-
-
10 500
pensions
-
-
-
1 889
income
-
-
-
945
health
-
-
-
1 611
total
-
-
-
4 445
Employee
66 524
66 524
66 524
-
health
10 211
8 685
10 211
-
pensions
11 974
9 127
11 974
-
income

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

10 889
10 889
10 889
-
total
33 074
28 701
33 074
-
Employer
66 524
66 524
66 524
-
health
4 624
4 624
4 624
-
pensions
4 630
4 630
4 630
-
unemployment
2 395
2 395
2 395
-
total
11 649
11 649
11 649
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 500
10 500
10 500
10 500
Total tax
44 723
40 350
44 723
4 445
After tax
-34 223
-29 850
-34 223
6 055
Living cost
32 634
32 634
32 634
32 634
Free-cash
-66 857
-62 484
-66 857
-26 579

Estimated living cost  is ₽32634 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2942
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.
₽6046
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
-₽19296
-₽18418
-₽18418
-₽18091
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.

-
-
-
10 500
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 322
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.

-
-
-
-
total
-
-
-
5 322
Employee

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

29 796
-
10 500
-
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.

5 322
-
5 322
-
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.

832
-
-
-
surtax

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

46
-
-
-
total
6 200
-
5 322
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
10 500
-
-
income
-
1 574
-
-
trade
-
1 654
-
-
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.

-
87
-
-
chamber of commerce
-
133
-
-
total
-
3 448
-
-
Dividends
-
7 051
-
-
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.

-
81
-
-
withholding
-
1 466
-
-
total
-
1 547
-
-
Income
10 500
10 500
10 500
10 500
Total tax
6 200
4 995
5 322
5 322
After tax
4 300
5 505
5 178
5 178
Living cost
23 596
23 596
23 596
23 596
Free-cash
-19 296
-18 091
-18 418
-18 418

Estimated living cost  is ₽23596 per week

₽14842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2751
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.
₽5561
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
-₽19556
-₽18340
-₽12911
-₽25153
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
-
-
-
29 614
income
-
-
-
-
health
-
-
-
755
social contributions
-
-
-
4 620
total
-
-
-
5 375
Employee
59 902
59 902
59 902
-
health
464
1 019
343
-
income
6 522
5 545
6 735
-
social contributions
2 265
4 972
1 676
-
total
9 251
11 536
8 754
-
Employer
59 902
59 902
59 902
-
health
504
1 109
374
-
social contributions
2 265
4 972
1 676
-
total
2 769
6 081
2 050
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 500
10 500
10 500
10 500
Total tax
12 020
17 617
10 804
5 375
After tax
-1 520
-7 117
-304
5 125
Living cost
18 036
18 036
18 036
18 036
Free-cash
-19 556
-25 153
-18 340
-12 911

Estimated living cost  is ₽18036 per week

₽10809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽5059
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
-₽33837
-₽17978
-₽18197
-₽18463
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.

-
-
-
10 500
income
-
-
-
614
social contributions

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

-
-
-
3 648
surtax
-
-
-
-
total
-
-
-
4 262
Employee
35 828
-
8 485
-
income
7 452
-
1 095
-
social contributions
3 941
-
933
-
surtax
-
-
-
-
total
11 393
-
2 028
-
Employer
35 828
-
8 485
-
social contributions
8 509
-
2 015
-
total
8 509
-
2 015
-
Corporate
-
10 500
-
-
income
-
2 206
-
-
surtax
-
-
-
-
total
-
2 206
-
-
Dividends
-
8 294
-
-
withholding
-
2 322
-
-
total
-
2 322
-
-
Income
10 500
10 500
10 500
10 500
Total tax
19 902
4 528
4 043
4 262
After tax
-9 402
5 972
6 457
6 238
Living cost
24 435
24 435
24 435
24 435
Free-cash
-33 837
-18 463
-17 978
-18 197

Estimated living cost  is ₽24435 per week

₽18282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
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.
₽4303
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
₽3242
₽2730
₽4725
₽4305
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%.

-
-
-
10 500
microenterprise

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

-
-
-
105
total
-
-
-
105
Employee
7 087
-
10 500
-
income
1 417
-
2 100
-
total
1 417
-
2 100
-
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%.

3 413
10 500
-
-
total
-
-
-
-
Dividends
3 413
10 500
-
-
withholding
171
525
-
-
total
171
525
-
-
Income
10 500
10 500
10 500
10 500
Total tax
1 588
525
2 100
105
After tax
8 912
9 975
8 400
10 395
Living cost
5 670
5 670
5 670
5 670
Free-cash
3 242
4 305
2 730
4 725

Estimated living cost  is ₽5670 per week

₽3514
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽156
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.
₽1529
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
-₽29312
-₽14951
-₽14566
-₽13667
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.

-
-
-
10 500
pensions
-
-
-
1 917
unemployment
-
-
-
16
income
-
-
-
1 205
health
-
-
-
1 033
total
-
-
-
4 171
Employee

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

34 448
-
9 085
-
health
2 225
-
587
-
unemployment
49
-
13
-
pensions
5 340
-
1 409
-
income
5 940
-
1 132
-
total
13 554
-
3 141
-
Employer

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

34 448
-
9 085
-
health
2 294
-
605
-
pensions
3 048
-
804
-
unemployment
21
-
6
-
total
5 363
-
1 415
-
Corporate
-
10 500
-
-
income
-
1 996
-
-
total
-
1 996
-
-
Dividends
-
8 504
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
10 500
10 500
10 500
10 500
Total tax
18 917
3 272
4 556
4 171
After tax
-8 417
7 228
5 944
6 329
Living cost
20 895
20 895
20 895
20 895
Free-cash
-29 312
-13 667
-14 951
-14 566

Estimated living cost  is ₽20895 per week

₽14340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1339
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4812
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
-₽31141
-₽20486
-₽44922
-₽23778
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.

-
-
-
10 500
income
-
-
-
22 175
health

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

-
-
-
4 969
total
-
-
-
27 144
Employee
35 736
-
9 146
-
social contributions
3 580
-
1 354
-
income
3 878
-
-
-
total
7 458
-
1 354
-
Employer
35 736
-
9 146
-
social contributions
3 580
-
1 354
-
total
3 580
-
1 354
-
Corporate
-
10 500
-
-
income
-
3 675
-
-
total
-
3 675
-
-
Dividends
-
6 825
-
-
social contributions
2 325
2 325
-
-
total
2 325
2 325
-
-
Income
10 500
10 500
10 500
10 500
Total tax
13 363
6 000
2 708
27 144
After tax
-2 863
4 500
7 792
-16 644
Living cost
28 278
28 278
28 278
28 278
Free-cash
-31 141
-23 778
-20 486
-44 922

Estimated living cost  is ₽28278 per week

₽18627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2229
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.
₽6988
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
-₽17959
-₽9984
-₽9775
-₽10112
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
-
-
-
10 500
income
-
-
-
1 574
health
-
-
-
733
social contributions
-
-
-
1 449
total
-
-
-
3 756
Employee
26 413
-
10 500
-
health
1 843
-
733
-
income
4 405
-
1 783
-
social contributions
3 646
-
1 449
-
total
9 894
-
3 965
-
Employer
26 413
-
10 500
-
total
-
-
-
-
Corporate
-
10 500
-
-
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%.

-
525
-
-
total
-
525
-
-
Dividends
-
9 975
-
-
social contributions
1 359
1 376
-
-
withholding
-
1 496
-
-
health
687
696
-
-
total
2 046
3 568
-
-
Income
10 500
10 500
10 500
10 500
Total tax
11 940
4 093
3 965
3 756
After tax
-1 440
6 407
6 535
6 744
Living cost
16 519
16 519
16 519
16 519
Free-cash
-17 959
-10 112
-9 984
-9 775

Estimated living cost  is ₽16519 per week

₽11055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1019
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4064
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
-₽32547
-₽16516
-₽16730
-₽14616
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
-
-
-
10 500
income
-
-
-
902
health
-
-
-
1 417
social contributions
-
-
-
3 066
solidarity contribution
-
-
-
-
total
-
-
-
5 385
Employee
32 125
-
7 836
-
health
4 337
-
1 058
-
solidarity contribution
-
-
-
-
income
3 855
-
940
-
social contributions
2 088
-
509
-
total
10 280
-
2 507
-
Employer
32 125
-
7 836
-
health
2 891
-
705
-
social contributions
8 031
-
1 959
-
total
10 922
-
2 664
-
Corporate
-
10 500
-
-
income
-
1 995
-
-
total
-
1 995
-
-
Dividends
-
8 505
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
10 500
10 500
10 500
10 500
Total tax
21 202
3 271
5 171
5 385
After tax
-10 702
7 229
5 329
5 115
Living cost
21 845
21 845
21 845
21 845
Free-cash
-32 547
-14 616
-16 516
-16 730

Estimated living cost  is ₽21845 per week

₽16245
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4012
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
-₽544
-₽435
₽1560
₽1140
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%.

-
-
-
10 500
microenterprise

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

-
-
-
105
total
-
-
-
105
Employee
11 044
-
10 500
-
income
2 209
-
2 100
-
total
2 209
-
2 100
-
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%.

-
10 500
-
-
total
-
-
-
-
Dividends
-
10 500
-
-
withholding
-
525
-
-
total
-
525
-
-
Income
10 500
10 500
10 500
10 500
Total tax
2 209
525
2 100
105
After tax
8 291
9 975
8 400
10 395
Living cost
8 835
8 835
8 835
8 835
Free-cash
-544
1 140
-435
1 560

Estimated living cost  is ₽8835 per week

₽5979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽296
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.
₽2189
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
-₽53530
-₽30757
-₽31913
-₽32334
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
-
-
-
10 500
income
-
-
-
-
other
-
-
-
325
health
-
-
-
207
social contributions
-
-
-
299
pensions
-
-
-
3 957
surtax
-
-
-
-
total
-
-
-
4 788
Employee
48 791
-
8 002
-
pensions
5 519
-
905
-
income
4 257
-
-
-
social contributions
1 390
-
229
-
surtax
-
-
-
-
total
11 166
-
1 134
-
Employer
48 791
-
8 002
-
health
3 415
-
560
-
social contributions
146
-
24
-
pensions
8 017
-
1 314
-
unemployment
1 977
-
324
-
other
1 684
-
276
-
total
15 239
-
2 498
-
Corporate
-
10 500
-
-
income
-
2 940
-
-
surtax
-
-
-
-
total
-
2 940
-
-
Dividends
-
7 560
-
-
social contributions
-
1 301
-
-
surtax
-
-
-
-
withholding
-
968
-
-
total
-
2 269
-
-
Income
10 500
10 500
10 500
10 500
Total tax
26 405
5 209
3 632
4 788
After tax
-15 905
5 291
6 868
5 712
Living cost
37 625
37 625
37 625
37 625
Free-cash
-53 530
-32 334
-30 757
-31 913

Estimated living cost  is ₽37625 per week

₽25464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3078
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.
₽8567
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
-₽13370
-₽6814
-₽7316
-₽5840
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.

-
-
-
10 500
pensions
-
-
-
2 730
unemployment
-
-
-
157
income
-
-
-
422
health
-
-
-
1 081
total
-
-
-
4 390
Employee

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

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

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

20 245
-
8 906
-
health
1 043
-
459
-
unemployment
152
-
67
-
pensions
2 834
-
1 247
-
income
2 791
-
520
-
total
6 820
-
2 293
-
Employer

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

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

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

20 245
-
8 906
-
health
1 043
-
459
-
pensions
2 429
-
1 069
-
unemployment
152
-
67
-
total
3 624
-
1 595
-
Corporate
-
10 500
-
-
income
-
1 575
-
-
total
-
1 575
-
-
Dividends
-
8 925
-
-
withholding
-
1 339
-
-
total
-
1 339
-
-
Income
10 500
10 500
10 500
10 500
Total tax
10 444
2 914
3 888
4 390
After tax
56
7 586
6 612
6 110
Living cost
13 426
13 426
13 426
13 426
Free-cash
-13 370
-5 840
-6 814
-7 316

Estimated living cost  is ₽13426 per week

₽9040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽2959
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
-₽58075
-₽46511
-₽44461
-₽48700
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
-
-
-
10 500
pensions
-
-
-
966
city
-
-
-
109
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.

-
-
-
210
health
-
-
-
175
regional
-
-
-
-
national
-
-
-
-
total
-
-
-
1 460
Employee
62 610
-
8 605
-
health
142
-
19
-
unemployment
-
-
-
-
city
672
-
82
-
pensions
5 260
-
1 609
-
regional
2 050
-
-
-
national
296
-
-
-
total
8 420
-
1 710
-
Employer
62 610
-
8 605
-
health
142
-
19
-
pensions
5 260
-
1 609
-
unemployment
-
-
-
-
other

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

1 252
-
172
-
total
6 654
-
1 800
-
Corporate
-
10 500
-
-
regional
-
2 221
-
-
national
-
893
-
-
total
-
3 114
-
-
Dividends
-
7 386
-
-
withholding
-
2 585
-
-
total
-
2 585
-
-
Income
10 500
10 500
10 500
10 500
Total tax
15 074
5 699
3 510
1 460
After tax
-4 574
4 801
6 990
9 040
Living cost
53 501
53 501
53 501
53 501
Free-cash
-58 075
-48 700
-46 511
-44 461

Estimated living cost  is ₽53501 per week

₽34791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽657
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.
₽13252
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
-₽38218
-₽23264
-₽21297
-₽22643
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

-
-
-
10 500
municipal
-
-
-
1 889
health
-
-
-
-
national
-
-
-
-
total
-
-
-
1 889
Employee
40 985
-
8 832
-
health
306
-
-
-
unemployment
615
-
133
-
pensions
2 766
-
596
-
national
677
-
-
-
municipal
6 713
-
1 459
-
total
11 077
-
2 188
-
Employer
40 985
-
8 832
-
health
315
-
68
-
pensions
7 111
-
1 533
-
accident
41
-
9
-
unemployment
266
-
58
-
total
7 733
-
1 668
-
Corporate
-
10 500
-
-
income
-
2 101
-
-
total
-
2 101
-
-
Dividends

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

-
6 299
-
-
municipal
-
1 134
-
-
national
-
-
-
-
total
-
1 134
-
-
Income
10 500
10 500
10 500
10 500
Total tax
18 810
3 235
3 856
1 889
After tax
-8 310
7 265
6 644
8 611
Living cost
29 908
29 908
29 908
29 908
Free-cash
-38 218
-22 643
-23 264
-21 297

Estimated living cost  is ₽29908 per week

₽19536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7021
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
-₽61443
-₽23525
-₽23992
-₽22269
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
-
-
-
10 500
communal

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

-
-
-
383
social contributions
-
-
-
4 107
national
-
-
-
1 598
total
-
-
-
6 088
Employee

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

55 723
-
8 133
-
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.

2 618
-
381
-
communal

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

2 906
-
424
-
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.

485
-
71
-
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.

4 179
-
611
-
national
17 131
-
1 768
-
total
27 319
-
3 255
-
Employer

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

55 723
-
8 133
-
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.

3 427
-
500
-
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.

4 938
-
720
-
surtax
6 318
-
922
-
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.

724
-
106
-
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.

813
-
118
-
total
16 220
-
2 366
-
Corporate
-
10 500
-
-
income
-
2 101
-
-
surtax
-
41
-
-
total
-
2 142
-
-
Dividends
-
8 358
-
-
withholding

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

-
2 223
-
-
total
-
2 223
-
-
Income
10 500
10 500
10 500
10 500
Total tax
43 539
4 365
5 621
6 088
After tax
-33 039
6 135
4 879
4 412
Living cost
28 404
28 404
28 404
28 404
Free-cash
-61 443
-22 269
-23 525
-23 992

Estimated living cost  is ₽28404 per week

₽18296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2484
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽7180
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
-₽52415
-₽27989
-₽28362
-₽27864
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
-
-
-
10 500
unemployment
-
-
-
10
municipal
-
-
-
2 224
other
-
-
-
1 220
health
-
-
-
655
national
-
-
-
-
accident
-
-
-
21
pensions
-
-
-
1 135
total
-
-
-
5 265
Employee
47 873
-
7 990
-
national
-
-
-
-
municipal
14 276
-
2 382
-
total
14 276
-
2 382
-
Employer
47 873
-
7 990
-
health
2 944
-
491
-
pensions
5 175
-
864
-
accident
96
-
16
-
unemployment
1 264
-
211
-
other
5 563
-
928
-
total
15 042
-
2 510
-
Corporate
-
10 500
-
-
income
-
2 310
-
-
total
-
2 310
-
-
Dividends
-
8 190
-
-
withholding
-
2 457
-
-
total
-
2 457
-
-
Income
10 500
10 500
10 500
10 500
Total tax
29 318
4 767
4 892
5 265
After tax
-18 818
5 733
5 608
5 235
Living cost
33 597
33 597
33 597
33 597
Free-cash
-52 415
-27 864
-27 989
-28 362

Estimated living cost  is ₽33597 per week

₽22267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3297
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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
Oslo , Norway
-₽117575
-₽37863
-₽29807
-₽30675
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
-
-
-
10 500
income
-
-
-
2 047
social contributions
-
-
-
1 197
total
-
-
-
3 244
Employee
53 143
-
-
-
income
11 722
-
-
-
social contributions
4 358
-
621
-
total
16 080
-
621
-
Employer
53 143
-
-
-
social contributions
74 932
-
10 679
-
total
74 932
-
10 679
-
Corporate
-
10 500
-
-
income
-
2 310
-
-
total
-
2 310
-
-
Dividends
-
8 190
-
-
income
-
1 802
-
-
total
-
1 802
-
-
Income
10 500
10 500
10 500
10 500
Total tax
91 012
4 112
11 300
3 244
After tax
-80 512
6 388
-800
7 256
Living cost
37 063
37 063
37 063
37 063
Free-cash
-117 575
-30 675
-37 863
-29 807

Estimated living cost  is ₽37063 per week

₽24048
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3486
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.
₽9057
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
-₽28124
-₽25571
-₽20142
-₽32384
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
-
-
-
29 614
income
-
-
-
-
health
-
-
-
755
social contributions
-
-
-
4 620
total
-
-
-
5 375
Employee
59 902
59 902
59 902
-
health
596
1 019
343
-
income
6 290
5 545
6 735
-
social contributions
2 911
4 972
1 676
-
total
9 797
11 536
8 754
-
Employer
59 902
59 902
59 902
-
health
649
1 109
374
-
social contributions
2 911
4 972
1 676
-
total
3 560
6 081
2 050
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 500
10 500
10 500
10 500
Total tax
13 357
17 617
10 804
5 375
After tax
-2 857
-7 117
-304
5 125
Living cost
25 267
25 267
25 267
25 267
Free-cash
-28 124
-32 384
-25 571
-20 142

Estimated living cost  is ₽25267 per week

₽17273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1974
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽5597
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
-₽32514
-₽19736
-₽19774
-₽20113
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
-
-
-
10 500
income
-
-
-
2 050
pensions
-
-
-
246
total
-
-
-
2 296
Employee
38 403
-
10 303
-
health
501
-
-
-
pensions
2 931
-
-
-
income
6 994
-
2 060
-
total
10 426
-
2 060
-
Employer
38 403
-
10 303
-
health
730
-
196
-
pensions
3 880
-
2
-
total
4 610
-
198
-
Corporate
-
10 500
-
-
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.

-
1 996
-
-
total
-
1 996
-
-
Dividends
-
8 504
-
-
withholding
-
639
-
-
total
-
639
-
-
Income
10 500
10 500
10 500
10 500
Total tax
15 036
2 635
2 258
2 296
After tax
-4 536
7 865
8 242
8 204
Living cost
27 978
27 978
27 978
27 978
Free-cash
-32 514
-20 113
-19 736
-19 774

Estimated living cost  is ₽27978 per week

₽19193
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽5861
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
-₽55145
-₽29111
-₽27714
-₽25504
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
-
-
-
10 500
municipal
-
-
-
40
regional
-
-
-
77
social contributions
-
-
-
6 037
national
-
-
-
1 026
total
-
-
-
7 180
Employee
65 644
-
10 500
-
social contributions
22 135
-
7 915
-
regional
991
-
44
-
national
11 093
-
594
-
municipal
392
-
24
-
total
34 611
-
8 577
-
Employer
65 644
-
10 500
-
total
-
-
-
-
Corporate
-
10 500
-
-
nationa
-
2 521
-
-
municipal
-
506
-
-
total
-
3 027
-
-
Dividends
-
7 474
-
-
withholding
-
1 943
-
-
total
-
1 943
-
-
Income
10 500
10 500
10 500
10 500
Total tax
34 611
4 970
8 577
7 180
After tax
-24 111
5 530
1 923
3 320
Living cost
31 034
31 034
31 034
31 034
Free-cash
-55 145
-25 504
-29 111
-27 714

Estimated living cost  is ₽31034 per week

₽21799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2135
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6630
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
-₽21353
-₽11277
-₽12563
-₽15970
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
-
-
-
10 500
pensions
-
-
-
3 181
income
-
-
-
918
other
-
-
-
283
health
-
-
-
1 667
accident
-
-
-
193
total
-
-
-
6 242
Employee
26 460
-
8 722
-
health
3 030
-
999
-
pensions
2 979
-
982
-
income
3 630
-
1 197
-
total
9 639
-
3 178
-
Employer
26 460
-
8 722
-
pensions
4 303
-
1 418
-
accident
442
-
146
-
unemployment
648
-
214
-
total
5 393
-
1 778
-
Corporate
-
10 500
-
-
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.

-
9 450
-
-
total
-
9 450
-
-
Dividends
-
1 050
-
-
withholding
-
199
-
-
total
-
199
-
-
Income
10 500
10 500
10 500
10 500
Total tax
15 032
9 649
4 956
6 242
After tax
-4 532
851
5 544
4 258
Living cost
16 821
16 821
16 821
16 821
Free-cash
-21 353
-15 970
-11 277
-12 563

Estimated living cost  is ₽16821 per week

₽12328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽932
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3210
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
-₽28260
-₽24897
-₽24897
-₽24461
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.

-
-
-
10 500
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 322
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.

-
-
-
-
total
-
-
-
5 322
Employee

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

38 761
-
10 500
-
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.

5 322
-
5 322
-
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.

3 187
-
-
-
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.

176
-
-
-
total
8 685
-
5 322
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
10 500
-
-
income
-
1 574
-
-
trade
-
1 506
-
-
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.

-
87
-
-
chamber of commerce
-
133
-
-
total
-
3 300
-
-
Dividends
-
7 199
-
-
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.

-
83
-
-
withholding
-
1 503
-
-
total
-
1 586
-
-
Income
10 500
10 500
10 500
10 500
Total tax
8 685
4 886
5 322
5 322
After tax
1 815
5 614
5 178
5 178
Living cost
30 075
30 075
30 075
30 075
Free-cash
-28 260
-24 461
-24 897
-24 897

Estimated living cost  is ₽30075 per week

₽20747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3236
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽5656
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
-₽17746
-₽10183
-₽9734
-₽7808
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.

-
-
-
10 500
income
-
-
-
-
microenterprise
-
-
-
1 574
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.

-
-
-
2 453
surtax
-
-
-
-
total
-
-
-
4 027
Employee
22 763
-
8 461
-
income
4 052
-
1 506
-
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.

2 504
-
931
-
surtax
-
-
-
-
total
6 556
-
2 437
-
Employer
22 763
-
8 461
-
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.

5 483
-
2 039
-
surtax
-
-
-
-
total
5 483
-
2 039
-
Corporate
-
10 500
-
-
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%.

-
2 101
-
-
total
-
2 101
-
-
Dividends

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

-
8 399
-
-
total
-
-
-
-
Income
10 500
10 500
10 500
10 500
Total tax
12 039
2 101
4 476
4 027
After tax
-1 539
8 399
6 024
6 473
Living cost
16 207
16 207
16 207
16 207
Free-cash
-17 746
-7 808
-10 183
-9 734

Estimated living cost  is ₽16207 per week

₽10339
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1543
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
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.
₽3956
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
-₽7858
-₽3980
-₽4278
-₽3287
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
-
-
-
10 500
income
-
-
-
1 317
health
-
-
-
1 522
pensions
-
-
-
2 100
total
-
-
-
4 939
Employee
14 985
-
8 571
-
health
749
-
429
-
unemployment
150
-
86
-
pensions
1 349
-
771
-
income
2 899
-
1 427
-
total
5 147
-
2 713
-
Employer
14 985
-
8 571
-
health
1 424
-
814
-
pensions
1 648
-
943
-
unemployment
300
-
171
-
total
3 372
-
1 928
-
Corporate
-
10 500
-
-
income
-
2 310
-
-
total
-
2 310
-
-
Dividends
-
8 190
-
-
withholding
-
1 638
-
-
total
-
1 638
-
-
Income
10 500
10 500
10 500
10 500
Total tax
8 519
3 948
4 641
4 939
After tax
1 981
6 552
5 859
5 561
Living cost
9 839
9 839
9 839
9 839
Free-cash
-7 858
-3 287
-3 980
-4 278

Estimated living cost  is ₽9839 per week

₽5847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽798
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽225
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.
₽2969
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
-₽21257
-₽12192
-₽11516
-₽10892
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
-
-
-
10 500
pensions
-
-
-
2 101
unemployment
-
-
-
177
income
-
-
-
1 496
other
-
-
-
-
health
-
-
-
745
surtax
-
-
-
-
total
-
-
-
4 519
Employee
26 234
-
8 312
-
health
670
-
265
-
unemployment
1 826
-
723
-
pensions
1 750
-
693
-
income
4 398
-
1 326
-
other
-
-
-
-
surtax
93
-
-
-
total
8 737
-
3 007
-
Employer
26 234
-
8 312
-
health
1 193
-
473
-
pensions
3 498
-
1 385
-
unemployment
832
-
330
-
other
-
-
-
-
total
5 523
-
2 188
-
Corporate
-
10 500
-
-
income
-
2 730
-
-
total
-
2 730
-
-
Dividends
-
7 770
-
-
withholding
-
1 165
-
-
total
-
1 165
-
-
Income
10 500
10 500
10 500
10 500
Total tax
14 260
3 895
5 195
4 519
After tax
-3 760
6 605
5 305
5 981
Living cost
17 497
17 497
17 497
17 497
Free-cash
-21 257
-10 892
-12 192
-11 516

Estimated living cost  is ₽17497 per week

₽10564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1521
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽5007
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
-₽34093
-₽24234
-₽21918
-₽31938
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
-
-
-
10 500
pensions
-
-
-
1 943
chamber of commerce
-
-
-
41
unemployment
-
-
-