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
₽ 106500
per

Your estimated
City
free-cash

Valencia , Spain
₽30424
₽34276
₽47113
₽42563
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
-
-
-
106 500
income
-
-
-
22 980
accident
-
-
-
743
unemployment
-
-
-
578
pensions
-
-
-
23 355
other
-
-
-
83
total
-
-
-
47 739
Employee
32 923
-
80 754
-
other
32
-
81
-
income
6 347
-
20 718
-
unemployment
510
-
1 252
-
pensions
1 548
-
3 795
-
total
8 437
-
25 846
-
Employer
32 923
-
80 754
-
unemployment
1 811
-
4 442
-
pensions
7 769
-
19 058
-
other
264
-
647
-
accident
652
-
1 598
-
total
10 496
-
25 745
-
Corporate
63 081
106 500
-
-
income

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

9 462
15 974
-
-
total
9 462
15 974
-
-
Dividends
53 619
90 526
-
-
withholding
11 057
18 928
-
-
total
11 057
18 928
-
-
Income
106 500
106 500
106 500
106 500
Total tax
39 452
34 902
51 591
47 739
After tax
67 048
71 598
54 909
58 761
Living cost
24 485
24 485
24 485
24 485
Free-cash
42 563
47 113
30 424
34 276

Estimated living cost  is ₽24485 per week

₽16527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2354
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5175
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
₽37846
₽33440
₽54521
₽48506
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
-
-
-
106 500
income
-
-
-
14 031
health
-
-
-
4 685
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.

-
-
-
25 560
other
-
-
-
5 059
total
-
-
-
49 335
Employee
32 329
-
85 065
-
income
5 566
-
15 499
-
health
453
-
1 191
-
unemployment
323
-
850
-
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.

2 262
-
5 954
-
total
8 604
-
23 494
-
Employer
32 329
-
85 065
-
unemployment
323
-
850
-
pensions

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

5 497
-
14 460
-
other
1 617
-
4 253
-
accident
259
-
681
-
health
453
-
1 191
-
total
8 149
-
21 435
-
Corporate
66 023
106 500
-
-
income
13 865
22 364
-
-
total
13 865
22 364
-
-
Dividends
52 158
84 136
-
-
withholding
3 651
5 890
-
-
total
3 651
5 890
-
-
Income
106 500
106 500
106 500
106 500
Total tax
34 269
28 254
44 929
49 335
After tax
72 231
78 246
61 571
57 165
Living cost
23 725
23 725
23 725
23 725
Free-cash
48 506
54 521
37 846
33 440

Estimated living cost  is ₽23725 per week

₽16763
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4978
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
₽74142
₽70511
₽79362
₽75220
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
-
-
-
106 500
income
-
-
-
15 975
health
-
-
-
3 583
unemployment
-
-
-
125
pensions

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

-
-
-
4 611
total
-
-
-
24 294
Employee
15 485
-
100 387
-
income
1 548
-
10 038
-
health
712
-
1 433
-
accident

We are using the highest rate at 1.1%.

170
-
343
-
pensions

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

1 360
-
2 736
-
total
3 790
-
14 550
-
Employer
15 485
-
100 387
-
unemployment
93
-
187
-
pensions

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

1 707
-
3 433
-
accident

We are using the highest rate at 1.1%.

170
-
343
-
health
1 069
-
2 150
-
total
3 039
-
6 113
-
Corporate
87 976
106 500
-
-
income
8 797
10 650
-
-
total
8 797
10 650
-
-
Dividends
79 179
95 850
-
-
withholding
3 959
4 793
-
-
total
3 959
4 793
-
-
Income
106 500
106 500
106 500
106 500
Total tax
19 585
15 443
20 663
24 294
After tax
86 915
91 057
85 837
82 206
Living cost
11 695
11 695
11 695
11 695
Free-cash
75 220
79 362
74 142
70 511

Estimated living cost  is ₽11695 per week

₽6828
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽835
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽310
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.
₽3722
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
₽33656
₽30367
₽23213
₽28472
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
-
-
-
106 500
income
-
-
-
12 613
social contributions
-
-
-
3 035
health
-
-
-
2 932
surtax
-
-
-
-
pensions
-
-
-
23 788
other
-
-
-
3 302
total
-
-
-
45 670
Employee
38 107
-
85 241
-
income
2 249
-
13 976
-
social contributions
1 086
-
2 430
-
surtax
-
-
-
-
pensions
4 309
-
4 716
-
total
7 644
-
21 122
-
Employer
38 107
-
85 241
-
unemployment
1 543
-
3 452
-
social contributions
115
-
255
-
pensions
6 260
-
8 158
-
other
1 315
-
2 940
-
health
2 668
-
6 454
-
total
11 901
-
21 259
-
Corporate
56 493
106 500
-
-
income
15 819
29 819
-
-
surtax
-
-
-
-
total
15 819
29 819
-
-
Dividends
40 674
76 681
-
-
withholding
5 206
9 815
-
-
surtax
-
-
-
-
social contributions
6 995
13 190
-
-
total
12 201
23 005
-
-
Income
106 500
106 500
106 500
106 500
Total tax
47 565
52 824
42 381
45 670
After tax
58 935
53 676
64 119
60 830
Living cost
30 463
30 463
30 463
30 463
Free-cash
28 472
23 213
33 656
30 367

Estimated living cost  is ₽30463 per week

₽19208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2477
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.
₽8261
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
₽19695
₽23738
₽14679
₽9223
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
-
-
-
106 500
income
-
-
-
24 052
health
-
-
-
10 979
pensions
-
-
-
10 432
total
-
-
-
45 463
Employee
76 035
76 035
90 631
-
income

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

12 446
12 446
12 446
-
health
11 671
9 927
10 758
-
pensions
13 686
10 432
10 432
-
total
37 803
32 805
33 636
-
Employer
76 035
76 035
90 631
-
unemployment
2 737
2 737
3 263
-
pensions
5 292
5 292
6 308
-
health
5 285
5 285
6 299
-
total
13 314
13 314
15 870
-
Corporate
18 083
17 150
-
-
income
3 616
3 430
-
-
total
3 616
3 430
-
-
Dividends
14 467
13 720
-
-
withholding
2 170
2 058
-
-
income
3 075
2 915
-
-
total
5 245
4 973
-
-
Income
106 500
106 500
106 500
106 500
Total tax
59 978
54 522
49 506
45 463
After tax
46 522
51 978
56 994
61 037
Living cost
37 299
37 299
37 299
37 299
Free-cash
9 223
14 679
19 695
23 738

Estimated living cost  is ₽37299 per week

₽26433
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
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.
₽6911
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
₽44605
₽34352
₽26829
₽36679
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.

-
-
-
106 500
income

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

-
-
-
27 339
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.

-
-
-
6 083
trade
-
-
-
10 253
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.

-
-
-
1 504
total
-
-
-
45 179
Employee

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

34 055
-
106 500
-
income

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

951
-
27 339
-
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.

6 083
-
6 083
-
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.

52
-
1 504
-
total
7 086
-
34 926
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
72 445
106 500
-
-
chamber of commerce
240
289
-
-
income
10 866
15 974
-
-
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.

598
879
-
-
trade
11 410
16 773
-
-
total
23 114
33 915
-
-
Dividends
49 330
72 585
-
-
withholding
11 993
17 807
-
-
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.

659
980
-
-
total
12 652
18 787
-
-
Income
106 500
106 500
106 500
106 500
Total tax
42 852
52 702
34 926
45 179
After tax
63 648
53 798
71 574
61 321
Living cost
26 969
26 969
26 969
26 969
Free-cash
36 679
26 829
44 605
34 352

Estimated living cost  is ₽26969 per week

₽16964
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3144
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
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.
₽6357
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
₽52944
₽54099
₽57243
₽52396
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
-
-
-
106 500
income
-
-
-
14 665
social contributions
-
-
-
14 406
health
-
-
-
2 715
total
-
-
-
31 786
Employee
68 466
68 466
97 041
-
income
7 455
6 338
14 170
-
social contributions
2 589
5 682
7 664
-
health
531
1 164
1 649
-
total
10 575
13 184
23 483
-
Employer
68 466
68 466
97 041
-
social contributions
2 589
5 682
7 664
-
health
576
1 267
1 794
-
total
3 165
6 949
9 458
-
Corporate
72 146
31 084
-
-
income
9 018
3 886
-
-
total
9 018
3 886
-
-
Dividends
63 129
27 198
-
-
withholding
10 731
4 623
-
-
total
10 731
4 623
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 489
28 642
32 941
31 786
After tax
73 011
77 858
73 559
74 714
Living cost
20 615
20 615
20 615
20 615
Free-cash
52 396
57 243
52 944
54 099

Estimated living cost  is ₽20615 per week

₽12355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5782
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
₽24264
₽30785
₽32651
₽31752
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.

-
-
-
106 500
income
-
-
-
10 778
social contributions

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

-
-
-
37 009
surtax
-
-
-
-
total
-
-
-
47 787
Employee
40 951
-
86 060
-
income
8 518
-
24 401
-
social contributions
4 505
-
9 467
-
surtax
-
-
-
-
total
13 023
-
33 868
-
Employer
40 951
-
86 060
-
social contributions
9 726
-
20 440
-
total
9 726
-
20 440
-
Corporate
55 823
106 500
-
-
income
11 723
22 364
-
-
surtax
-
-
-
-
total
11 723
22 364
-
-
Dividends
44 101
84 136
-
-
withholding
12 348
23 557
-
-
total
12 348
23 557
-
-
Income
106 500
106 500
106 500
106 500
Total tax
46 820
45 921
54 308
47 787
After tax
59 680
60 579
52 192
58 713
Living cost
27 928
27 928
27 928
27 928
Free-cash
31 752
32 651
24 264
30 785

Estimated living cost  is ₽27928 per week

₽20896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽4919
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
₽78904
₽99139
₽94879
₽93699
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%.

-
-
-
106 500
microenterprise

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

-
-
-
1 065
total
-
-
-
1 065
Employee
7 870
-
106 500
-
income
1 574
-
21 300
-
total
1 574
-
21 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

98 630
106 500
-
-
total
-
-
-
-
Dividends
98 630
106 500
-
-
withholding
4 931
5 325
-
-
total
4 931
5 325
-
-
Income
106 500
106 500
106 500
106 500
Total tax
6 505
5 325
21 300
1 065
After tax
99 995
101 175
85 200
105 435
Living cost
6 296
6 296
6 296
6 296
Free-cash
93 699
94 879
78 904
99 139

Estimated living cost  is ₽6296 per week

₽3902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1698
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
₽27398
₽30451
₽49442
₽41996
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.

-
-
-
106 500
income
-
-
-
22 075
health
-
-
-
10 481
unemployment
-
-
-
161
pensions
-
-
-
19 450
total
-
-
-
52 167
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.

39 373
-
92 150
-
income
6 790
-
20 504
-
health
2 543
-
5 954
-
unemployment
56
-
128
-
pensions
6 103
-
14 283
-
total
15 492
-
40 869
-
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.

39 373
-
92 150
-
unemployment
24
-
56
-
pensions
3 484
-
8 156
-
health
2 622
-
6 139
-
total
6 130
-
14 351
-
Corporate
60 997
106 500
-
-
income
11 589
20 236
-
-
total
11 589
20 236
-
-
Dividends
49 407
86 264
-
-
withholding
7 411
12 940
-
-
total
7 411
12 940
-
-
Income
106 500
106 500
106 500
106 500
Total tax
40 622
33 176
55 220
52 167
After tax
65 878
73 324
51 280
54 333
Living cost
23 882
23 882
23 882
23 882
Free-cash
41 996
49 442
27 398
30 451

Estimated living cost  is ₽23882 per week

₽16390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽5500
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
₽46167
₽43064
₽32201
₽35312
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.

-
-
-
106 500
income
-
-
-
25 345
health

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

-
-
-
5 770
total
-
-
-
31 115
Employee
40 846
-
102 404
-
social contributions
4 092
-
4 096
-
income
4 432
-
19 820
-
total
8 524
-
23 916
-
Employer
40 846
-
102 404
-
social contributions
4 092
-
4 096
-
total
4 092
-
4 096
-
Corporate
61 562
106 500
-
-
income
21 547
37 274
-
-
total
21 547
37 274
-
-
Dividends
40 015
69 226
-
-
social contributions
4 704
4 704
-
-
total
4 704
4 704
-
-
Income
106 500
106 500
106 500
106 500
Total tax
38 867
41 978
28 012
31 115
After tax
67 633
64 522
78 488
75 385
Living cost
32 321
32 321
32 321
32 321
Free-cash
35 312
32 201
46 167
43 064

Estimated living cost  is ₽32321 per week

₽21290
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2548
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.
₽7987
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
₽48798
₽49516
₽46094
₽46555
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
-
-
-
106 500
income
-
-
-
15 974
social contributions
-
-
-
14 697
health
-
-
-
7 433
total
-
-
-
38 104
Employee
30 189
-
106 500
-
income
5 035
-
16 692
-
social contributions
4 167
-
14 697
-
health
2 107
-
7 433
-
total
11 309
-
38 822
-
Employer
30 189
-
106 500
-
total
-
-
-
-
Corporate
76 311
106 500
-
-
income

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

3 815
5 324
-
-
total
3 815
5 324
-
-
Dividends
72 495
101 176
-
-
withholding
10 875
15 177
-
-
health
5 061
7 063
-
-
social contributions
10 005
13 962
-
-
total
25 941
36 202
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 065
41 526
38 822
38 104
After tax
65 435
64 974
67 678
68 396
Living cost
18 880
18 880
18 880
18 880
Free-cash
46 555
46 094
48 798
49 516

Estimated living cost  is ₽18880 per week

₽12635
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1164
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽4645
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
₽29905
₽30202
₽49184
₽40572
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
-
-
-
106 500
income
-
-
-
9 590
social contributions
-
-
-
28 190
solidarity contribution
-
-
-
-
health
-
-
-
14 377
total
-
-
-
52 157
Employee
35 501
-
79 478
-
solidarity contribution
-
-
-
-
income
4 260
-
9 537
-
social contributions
2 308
-
5 166
-
health
4 793
-
10 729
-
total
11 361
-
25 432
-
Employer
35 501
-
79 478
-
social contributions
8 875
-
19 869
-
health
3 195
-
7 153
-
total
12 070
-
27 022
-
Corporate
58 928
106 500
-
-
income
11 196
20 235
-
-
total
11 196
20 235
-
-
Dividends
47 732
86 265
-
-
withholding
7 160
12 940
-
-
total
7 160
12 940
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 787
33 175
52 454
52 157
After tax
64 713
73 325
54 046
54 343
Living cost
24 141
24 141
24 141
24 141
Free-cash
40 572
49 184
29 905
30 202

Estimated living cost  is ₽24141 per week

₽17953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽4433
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
₽75389
₽95624
₽91364
₽89524
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%.

-
-
-
106 500
microenterprise

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

-
-
-
1 065
total
-
-
-
1 065
Employee
12 264
-
106 500
-
income
2 453
-
21 300
-
total
2 453
-
21 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

94 236
106 500
-
-
total
-
-
-
-
Dividends
94 236
106 500
-
-
withholding
4 712
5 325
-
-
total
4 712
5 325
-
-
Income
106 500
106 500
106 500
106 500
Total tax
7 165
5 325
21 300
1 065
After tax
99 335
101 175
85 200
105 435
Living cost
9 811
9 811
9 811
9 811
Free-cash
89 524
91 364
75 389
95 624

Estimated living cost  is ₽9811 per week

₽6639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽412
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2431
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
₽21115
₽17826
₽10672
₽16792
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
-
-
-
106 500
income
-
-
-
12 613
social contributions
-
-
-
3 035
health
-
-
-
2 932
surtax
-
-
-
-
pensions
-
-
-
23 788
other
-
-
-
3 302
total
-
-
-
45 670
Employee
55 766
-
85 241
-
income
4 866
-
13 976
-
social contributions
1 588
-
2 430
-
surtax
-
-
-
-
pensions
6 308
-
4 716
-
total
12 762
-
21 122
-
Employer
55 766
-
85 241
-
unemployment
2 259
-
3 452
-
social contributions
167
-
255
-
pensions
9 163
-
8 158
-
other
1 925
-
2 940
-
health
3 903
-
6 454
-
total
17 417
-
21 259
-
Corporate
33 316
106 500
-
-
income
9 329
29 819
-
-
surtax
-
-
-
-
total
9 329
29 819
-
-
Dividends
23 988
76 681
-
-
withholding
3 070
9 815
-
-
surtax
-
-
-
-
social contributions
4 126
13 190
-
-
total
7 196
23 005
-
-
Income
106 500
106 500
106 500
106 500
Total tax
46 704
52 824
42 381
45 670
After tax
59 796
53 676
64 119
60 830
Living cost
43 004
43 004
43 004
43 004
Free-cash
16 792
10 672
21 115
17 826

Estimated living cost  is ₽43004 per week

₽29105
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
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.
₽9792
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
₽43422
₽43423
₽61590
₽57219
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.

-
-
-
106 500
income
-
-
-
22 916
health
-
-
-
6 759
unemployment
-
-
-
984
pensions
-
-
-
17 062
total
-
-
-
47 721
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.

23 156
-
94 753
-
income
3 192
-
22 916
-
health
1 193
-
3 380
-
unemployment
174
-
492
-
pensions
3 242
-
9 187
-
total
7 801
-
35 975
-
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.

23 156
-
94 753
-
unemployment
174
-
492
-
pensions
2 779
-
7 875
-
health
1 193
-
3 380
-
total
4 146
-
11 747
-
Corporate
79 199
106 500
-
-
income
11 880
15 975
-
-
total
11 880
15 975
-
-
Dividends
67 319
90 525
-
-
withholding
10 098
13 579
-
-
total
10 098
13 579
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 925
29 554
47 722
47 721
After tax
72 575
76 946
58 778
58 779
Living cost
15 356
15 356
15 356
15 356
Free-cash
57 219
61 590
43 422
43 423

Estimated living cost  is ₽15356 per week

₽10340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
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.
₽3385
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
₽20280
₽25500
-₽13506
₽13109
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
-
-
-
106 500
regional
-
-
-
4 392
national
-
-
-
1 112
health
-
-
-
240
city
-
-
-
1 123
other

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

-
-
-
2 130
pensions
-
-
-
9 797
total
-
-
-
18 794
Employee
72 798
-
95 324
-
regional
2 384
-
3 766
-
city
781
-
1 024
-
health
165
-
214
-
unemployment
-
-
-
-
national
345
-
874
-
pensions
6 116
-
8 008
-
total
9 791
-
13 886
-
Employer
72 798
-
95 324
-
unemployment
-
-
-
-
pensions
6 116
-
8 008
-
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.

1 455
-
1 906
-
health
165
-
214
-
total
7 736
-
10 128
-
Corporate
25 166
106 500
-
-
regional
5 322
22 524
-
-
national
2 139
9 053
-
-
total
7 461
31 577
-
-
Dividends
17 705
74 923
-
-
withholding
6 197
26 223
-
-
total
6 197
26 223
-
-
Income
106 500
106 500
106 500
106 500
Total tax
31 185
57 800
24 014
18 794
After tax
75 315
48 700
82 486
87 706
Living cost
62 206
62 206
62 206
62 206
Free-cash
13 109
-13 506
20 280
25 500

Estimated living cost  is ₽62206 per week

₽40452
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
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.
₽15408
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
₽24882
₽39486
₽35293
₽35120
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

-
-
-
106 500
municipal
-
-
-
18 941
national
-
-
-
12 620
health
-
-
-
1 269
total
-
-
-
32 830
Employee
46 845
-
89 593
-
health
350
-
1 009
-
unemployment
703
-
1 343
-
national
774
-
7 512
-
municipal
7 673
-
14 616
-
pensions
3 161
-
6 047
-
total
12 661
-
30 527
-
Employer
46 845
-
89 593
-
unemployment
304
-
583
-
pensions
8 127
-
15 545
-
accident
47
-
90
-
health
360
-
689
-
total
8 838
-
16 907
-
Corporate
50 816
106 500
-
-
income
10 163
21 300
-
-
total
10 163
21 300
-
-
Dividends

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

30 490
63 900
-
-
national
46
4 221
-
-
municipal
5 488
11 502
-
-
total
5 534
15 723
-
-
Income
106 500
106 500
106 500
106 500
Total tax
37 196
37 023
47 434
32 830
After tax
69 304
69 477
59 066
73 670
Living cost
34 184
34 184
34 184
34 184
Free-cash
35 120
35 293
24 882
39 486

Estimated living cost  is ₽34184 per week

₽22329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3288
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽8024
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
₽7842
₽15653
₽27200
₽13848
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
-
-
-
106 500
national
-
-
-
35 978
social contributions
-
-
-
17 036
communal

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

-
-
-
5 368
total
-
-
-
58 382
Employee

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

63 690
-
82 490
-
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.

2 992
-
3 876
-
communal

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

3 322
-
4 302
-
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.

554
-
718
-
national
19 581
-
27 101
-
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.

4 777
-
6 186
-
total
31 226
-
42 183
-
Employer

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

63 690
-
82 490
-
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.

929
-
1 205
-
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.

5 644
-
7 308
-
surtax
7 222
-
9 354
-
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.

828
-
1 071
-
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.

3 917
-
5 072
-
total
18 540
-
24 010
-
Corporate
24 271
106 500
-
-
income
4 854
21 300
-
-
surtax
96
426
-
-
total
4 950
21 726
-
-
Dividends
19 320
84 774
-
-
withholding

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

5 471
25 109
-
-
total
5 471
25 109
-
-
Income
106 500
106 500
106 500
106 500
Total tax
60 187
46 835
66 193
58 382
After tax
46 313
59 665
40 307
48 118
Living cost
32 465
32 465
32 465
32 465
Free-cash
13 848
27 200
7 842
15 653

Estimated living cost  is ₽32465 per week

₽20911
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2839
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.
₽8207
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
₽19741
₽20715
₽21976
₽21164
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
-
-
-
106 500
municipal
-
-
-
24 910
national
-
-
-
1 736
health
-
-
-
4 947
accident
-
-
-
158
unemployment
-
-
-
79
pensions
-
-
-
8 570
other
-
-
-
9 212
total
-
-
-
49 612
Employee
51 543
-
81 591
-
national
-
-
1 347
-
municipal
15 370
-
24 330
-
total
15 370
-
25 677
-
Employer
51 543
-
81 591
-
unemployment
1 361
-
2 093
-
pensions
5 572
-
8 570
-
other
5 989
-
9 212
-
accident
103
-
158
-
health
3 170
-
4 876
-
total
16 195
-
24 909
-
Corporate
38 762
106 500
-
-
income
8 528
23 430
-
-
total
8 528
23 430
-
-
Dividends
30 235
83 070
-
-
withholding
9 070
24 921
-
-
total
9 070
24 921
-
-
Income
106 500
106 500
106 500
106 500
Total tax
49 163
48 351
50 586
49 612
After tax
57 337
58 149
55 914
56 888
Living cost
36 173
36 173
36 173
36 173
Free-cash
21 164
21 976
19 741
20 715

Estimated living cost  is ₽36173 per week

₽23974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
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.
₽8100
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
₽56027
₽34920
₽26115
-₽27164
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
-
-
-
106 500
income
-
-
-
20 759
social contributions
-
-
-
12 141
total
-
-
-
32 900
Employee
55 462
-
-
-
income
12 234
-
-
-
social contributions
4 548
-
648
-
total
16 782
-
648
-
Employer
55 462
-
-
-
social contributions
78 202
-
11 145
-
total
78 202
-
11 145
-
Corporate
-
106 500
-
-
income
-
23 430
-
-
total
-
23 430
-
-
Dividends
-
83 070
-
-
income
-
18 275
-
-
total
-
18 275
-
-
Income
106 500
106 500
106 500
106 500
Total tax
94 984
41 705
11 793
32 900
After tax
11 516
64 795
94 707
73 600
Living cost
38 680
38 680
38 680
38 680
Free-cash
-27 164
26 115
56 027
34 920

Estimated living cost  is ₽38680 per week

₽25097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3638
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽9452
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
₽44679
₽45834
₽48978
₽45284
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
-
-
-
106 500
income
-
-
-
14 665
social contributions
-
-
-
14 406
health
-
-
-
2 715
total
-
-
-
31 786
Employee
68 466
68 466
97 041
-
income
7 190
6 338
14 170
-
social contributions
3 327
5 682
7 664
-
health
681
1 164
1 649
-
total
11 198
13 184
23 483
-
Employer
68 466
68 466
97 041
-
social contributions
3 327
5 682
7 664
-
health
742
1 267
1 794
-
total
4 069
6 949
9 458
-
Corporate
62 354
31 084
-
-
income
7 794
3 886
-
-
total
7 794
3 886
-
-
Dividends
54 560
27 198
-
-
withholding
9 275
4 623
-
-
total
9 275
4 623
-
-
Income
106 500
106 500
106 500
106 500
Total tax
32 336
28 642
32 941
31 786
After tax
74 164
77 858
73 559
74 714
Living cost
28 880
28 880
28 880
28 880
Free-cash
45 284
48 978
44 679
45 834

Estimated living cost  is ₽28880 per week

₽19742
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽6397
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
₽32098
₽41989
₽42567
₽42875
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
-
-
-
106 500
income
-
-
-
25 606
pensions
-
-
-
6 853
total
-
-
-
32 459
Employee
43 995
-
93 456
-
income
8 012
-
19 011
-
health
574
-
1 532
-
pensions
3 358
-
8 763
-
total
11 944
-
29 306
-
Employer
43 995
-
93 456
-
pensions
4 445
-
11 269
-
health
836
-
1 775
-
total
5 281
-
13 044
-
Corporate
57 223
106 500
-
-
income

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

10 872
20 235
-
-
total
10 872
20 235
-
-
Dividends
46 351
86 265
-
-
withholding
3 476
11 646
-
-
total
3 476
11 646
-
-
Income
106 500
106 500
106 500
106 500
Total tax
31 573
31 881
42 350
32 459
After tax
74 927
74 619
64 150
74 041
Living cost
32 052
32 052
32 052
32 052
Free-cash
42 875
42 567
32 098
41 989

Estimated living cost  is ₽32052 per week

₽21987
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2947
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽6714
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
₽11924
₽16796
₽20626
₽16576
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
-
-
-
106 500
municipal
-
-
-
711
regional
-
-
-
2 288
national
-
-
-
23 843
social contributions
-
-
-
27 391
total
-
-
-
54 233
Employee
75 029
-
106 500
-
regional
1 133
-
1 952
-
social contributions
25 299
-
35 912
-
national
12 679
-
20 606
-
municipal
448
-
635
-
total
39 559
-
59 105
-
Employer
75 029
-
106 500
-
total
-
-
-
-
Corporate
31 471
106 500
-
-
nationa
7 553
25 560
-
-
municipal
1 517
5 133
-
-
total
9 070
30 693
-
-
Dividends
22 400
75 807
-
-
withholding
5 824
19 710
-
-
total
5 824
19 710
-
-
Income
106 500
106 500
106 500
106 500
Total tax
54 453
50 403
59 105
54 233
After tax
52 047
56 097
47 395
52 267
Living cost
35 471
35 471
35 471
35 471
Free-cash
16 576
20 626
11 924
16 796

Estimated living cost  is ₽35471 per week

₽24916
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2440
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽7578
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
₽37834
₽54415
-₽9914
₽5784
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
-
-
-
106 500
income
-
-
-
27 676
health
-
-
-
1 838
accident
-
-
-
213
pensions
-
-
-
3 506
other
-
-
-
312
total
-
-
-
33 545
Employee
29 165
-
93 368
-
income
4 001
-
19 873
-
health
3 339
-
10 691
-
pensions
3 284
-
6 430
-
total
10 624
-
36 994
-
Employer
29 165
-
93 368
-
unemployment
715
-
2 288
-
pensions
4 742
-
9 285
-
accident
487
-
1 559
-
total
5 944
-
13 132
-
Corporate
71 392
106 500
-
-
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.

64 252
95 850
-
-
total
64 252
95 850
-
-
Dividends
7 139
10 650
-
-
withholding
1 356
2 024
-
-
total
1 356
2 024
-
-
Income
106 500
106 500
106 500
106 500
Total tax
82 176
97 874
50 126
33 545
After tax
24 324
8 626
56 374
72 955
Living cost
18 540
18 540
18 540
18 540
Free-cash
5 784
-9 914
37 834
54 415

Estimated living cost  is ₽18540 per week

₽13588
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1027
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽3538
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
₽37199
₽27857
₽20519
₽32165
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.

-
-
-
106 500
income

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

-
-
-
27 339
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.

-
-
-
6 083
trade
-
-
-
9 342
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.

-
-
-
1 504
total
-
-
-
44 268
Employee

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

44 302
-
106 500
-
income

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

3 643
-
27 339
-
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.

6 083
-
6 083
-
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.

201
-
1 504
-
total
9 927
-
34 926
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
62 198
106 500
-
-
chamber of commerce
226
291
-
-
income
9 330
15 974
-
-
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.

514
879
-
-
trade
8 925
15 283
-
-
total
18 995
32 427
-
-
Dividends
43 203
74 074
-
-
withholding
10 462
18 179
-
-
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.

576
1 000
-
-
total
11 038
19 179
-
-
Income
106 500
106 500
106 500
106 500
Total tax
39 960
51 606
34 926
44 268
After tax
66 540
54 894
71 574
62 232
Living cost
34 375
34 375
34 375
34 375
Free-cash
32 165
20 519
37 199
27 857

Estimated living cost  is ₽34375 per week

₽23713
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3699
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽6465
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
₽41306
₽11070
₽66676
₽59372
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.

-
-
-
106 500
microenterprise
-
-
-
-
income
-
-
-
15 634
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.

-
-
-
34 114
surtax
-
-
-
27 158
total
-
-
-
76 906
Employee
26 017
-
85 825
-
income
4 631
-
16 555
-
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.

2 862
-
9 440
-
surtax
-
-
-
-
total
7 493
-
25 995
-
Employer
26 017
-
85 825
-
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.

6 267
-
20 675
-
surtax
-
-
-
-
total
6 267
-
20 675
-
Corporate
74 216
106 500
-
-
income

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

14 844
21 300
-
-
total
14 844
21 300
-
-
Dividends

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

59 372
85 200
-
-
total
-
-
-
-
Income
106 500
106 500
106 500
106 500
Total tax
28 604
21 300
46 670
76 906
After tax
77 896
85 200
59 830
29 594
Living cost
18 524
18 524
18 524
18 524
Free-cash
59 372
66 676
41 306
11 070

Estimated living cost  is ₽18524 per week

₽11818
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽4522
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
₽49887
₽50716
₽54795
₽52880
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
-
-
-
106 500
income
-
-
-
29 450
health
-
-
-
6 167
pensions
-
-
-
8 506
total
-
-
-
44 123
Employee
17 761
-
96 931
-
income
3 436
-
29 004
-
health
888
-
2 126
-
unemployment
178
-
425
-
pensions
1 598
-
3 828
-
total
6 100
-
35 383
-
Employer
17 761
-
96 931
-
unemployment
355
-
851
-
pensions
1 954
-
4 678
-
health
1 687
-
4 040
-
total
3 996
-
9 569
-
Corporate
84 743
106 500
-
-
income
18 643
23 430
-
-
total
18 643
23 430
-
-
Dividends
66 100
83 070
-
-
withholding
13 220
16 614
-
-
total
13 220
16 614
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 959
40 044
44 952
44 123
After tax
64 541
66 456
61 548
62 377
Living cost
11 661
11 661
11 661
11 661
Free-cash
52 880
54 795
49 887
50 716

Estimated living cost  is ₽11661 per week

₽6930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽267
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.
₽3519
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
₽30363
₽32115
₽46990
₽44157
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
-
-
-
106 500
income
-
-
-
22 343
health
-
-
-
7 561
unemployment
-
-
-
203
surtax
-
-
-
2 979
pensions
-
-
-
21 300
other
-
-
-
-
total
-
-
-
54 386
Employee
29 985
-
87 980
-
other
-
-
-
-
income
5 027
-
20 682
-
health
765
-
2 242
-
unemployment
2 087
-
6 123
-
surtax
106
-
2 702
-
pensions
2 001
-
5 868
-
total
9 986
-
37 617
-
Employer
29 985
-
87 980
-
unemployment
951
-
2 790
-
pensions
3 998
-
11 728
-
other
-
-
-
-
health
1 364
-
4 003
-
total
6 313
-
18 521
-
Corporate
70 202
106 500
-
-
income
18 252
27 690
-
-
total
18 252
27 690
-
-
Dividends
51 951
78 810
-
-
withholding
7 793
11 821
-
-
total
7 793
11 821
-
-
Income
106 500
106 500
106 500
106 500
Total tax
42 344
39 511
56 138
54 386
After tax
64 156
66 989
50 362
52 114
Living cost
19 999
19 999
19 999
19 999
Free-cash
44 157
46 990
30 363
32 115

Estimated living cost  is ₽19999 per week

₽12074
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1739
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.
₽5723
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
₽1692
₽24639
₽31098
₽30654
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
-
-
-
106 500
income
-
-
-
20 367
chamber of commerce
-
-
-
426