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
₽44905
₽32998
₽36931
₽48941
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
unemployment
-
-
-
531
income
-
-
-
24 311
other
-
-
-
76
accident
-
-
-
683
pensions
-
-
-
21 465
total
-
-
-
47 066
Employee
30 259
-
82 319
-
unemployment
469
-
1 176
-
pensions
1 423
-
3 566
-
income
5 834
-
22 000
-
other
30
-
76
-
total
7 756
-
26 818
-
Employer
30 259
-
82 319
-
pensions
7 140
-
17 901
-
accident
599
-
1 502
-
unemployment
1 665
-
4 171
-
other
242
-
607
-
total
9 646
-
24 181
-
Corporate
66 594
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.

9 989
15 975
-
-
total
9 989
15 975
-
-
Dividends
56 606
90 525
-
-
withholding
11 701
19 081
-
-
total
11 701
19 081
-
-
Income
106 500
106 500
106 500
106 500
Total tax
39 092
35 056
50 999
47 066
After tax
67 408
71 444
55 501
59 434
Living cost
22 503
22 503
22 503
22 503
Free-cash
44 905
48 941
32 998
36 931

Estimated living cost  is ₽22503 per week

₽15189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4757
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
₽50913
₽39458
₽35055
₽56440
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
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
income
-
-
-
14 335
other
-
-
-
5 060
health
-
-
-
4 685
total
-
-
-
49 640
Employee
29 713
-
85 063
-
health
416
-
1 191
-
unemployment
297
-
851
-
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.

2 079
-
5 954
-
income
5 115
-
15 804
-
total
7 907
-
23 800
-
Employer
29 713
-
85 063
-
health
416
-
1 191
-
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.

5 052
-
14 461
-
accident
238
-
680
-
unemployment
297
-
851
-
other
1 486
-
4 254
-
total
7 489
-
21 437
-
Corporate
69 299
106 500
-
-
income
14 553
22 366
-
-
total
14 553
22 366
-
-
Dividends
54 746
84 134
-
-
withholding
3 833
5 889
-
-
total
3 833
5 889
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 782
28 255
45 237
49 640
After tax
72 718
78 245
61 263
56 860
Living cost
21 805
21 805
21 805
21 805
Free-cash
50 913
56 440
39 458
35 055

Estimated living cost  is ₽21805 per week

₽15407
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1472
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.
₽4575
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
₽76529
₽75936
₽72165
₽80329
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
pensions

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

-
-
-
4 230
unemployment
-
-
-
114
income
-
-
-
15 975
health
-
-
-
3 287
total
-
-
-
23 606
Employee
14 206
-
100 892
-
health
653
-
1 315
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 247
-
2 510
-
income
1 420
-
10 089
-
total
3 476
-
14 228
-
Employer
14 206
-
100 892
-
health
981
-
1 972
-
pensions

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

1 566
-
3 150
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 788
-
5 607
-
Corporate
89 506
106 500
-
-
income
8 950
10 650
-
-
total
8 950
10 650
-
-
Dividends
80 555
95 850
-
-
withholding
4 028
4 792
-
-
total
4 028
4 792
-
-
Income
106 500
106 500
106 500
106 500
Total tax
19 242
15 442
19 835
23 606
After tax
87 258
91 058
86 665
82 894
Living cost
10 729
10 729
10 729
10 729
Free-cash
76 529
80 329
75 936
72 165

Estimated living cost  is ₽10729 per week

₽6264
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽766
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3415
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
₽30512
₽34746
₽32628
₽25678
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
-
-
-
13 631
other
-
-
-
3 302
health
-
-
-
3 328
social contributions
-
-
-
3 034
pensions
-
-
-
22 579
surtax
-
-
-
-
total
-
-
-
45 874
Employee
35 024
-
84 620
-
pensions
3 960
-
4 971
-
income
2 067
-
14 493
-
social contributions
999
-
2 412
-
surtax
-
-
-
-
total
7 026
-
21 876
-
Employer
35 024
-
84 620
-
health
2 452
-
6 749
-
social contributions
106
-
253
-
pensions
5 754
-
8 531
-
unemployment
1 418
-
3 427
-
other
1 208
-
2 920
-
total
10 938
-
21 880
-
Corporate
60 539
106 500
-
-
income
16 950
29 820
-
-
surtax
-
-
-
-
total
16 950
29 820
-
-
Dividends
43 588
76 680
-
-
social contributions
7 496
13 189
-
-
surtax
-
-
-
-
withholding
5 580
9 815
-
-
total
13 076
23 004
-
-
Income
106 500
106 500
106 500
106 500
Total tax
47 990
52 824
43 756
45 874
After tax
58 510
53 676
62 744
60 626
Living cost
27 998
27 998
27 998
27 998
Free-cash
30 512
25 678
34 746
32 628

Estimated living cost  is ₽27998 per week

₽17654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2277
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7592
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
₽12871
₽25893
₽27136
₽17883
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
pensions
-
-
-
9 588
income
-
-
-
25 404
health
-
-
-
10 091
total
-
-
-
45 083
Employee
69 883
69 883
91 292
-
health
10 726
9 124
10 091
-
pensions
12 579
9 588
9 588
-
income

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

11 439
11 439
11 439
-
total
34 744
30 151
31 118
-
Employer
69 883
69 883
91 292
-
health
4 858
4 858
6 036
-
pensions
4 864
4 864
6 046
-
unemployment
2 516
2 516
3 126
-
total
12 238
12 238
15 208
-
Corporate
25 237
24 380
-
-
income
5 047
4 876
-
-
total
5 047
4 876
-
-
Dividends
20 190
19 504
-
-
income
4 291
4 145
-
-
withholding
3 028
2 926
-
-
total
7 319
7 071
-
-
Income
106 500
106 500
106 500
106 500
Total tax
59 348
54 336
46 326
45 083
After tax
47 152
52 164
60 174
61 417
Living cost
34 281
34 281
34 281
34 281
Free-cash
12 871
17 883
25 893
27 136

Estimated living cost  is ₽34281 per week

₽24294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3090
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽6352
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
₽38041
₽45796
₽35015
₽28990
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
trade
-
-
-
10 781
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.

-
-
-
28 745
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.

-
-
-
5 591
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.

-
-
-
1 581
total
-
-
-
46 698
Employee

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

31 300
-
106 500
-
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.

5 591
-
5 591
-
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.

874
-
28 745
-
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.

48
-
1 581
-
total
6 513
-
35 917
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
75 200
106 500
-
-
income
11 281
15 975
-
-
trade
11 844
16 773
-
-
surtax

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

621
879
-
-
chamber of commerce
233
278
-
-
total
23 979
33 905
-
-
Dividends
51 221
72 594
-
-
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.

686
981
-
-
withholding
12 494
17 837
-
-
total
13 180
18 818
-
-
Income
106 500
106 500
106 500
106 500
Total tax
43 672
52 723
35 917
46 698
After tax
62 828
53 777
70 583
59 802
Living cost
24 787
24 787
24 787
24 787
Free-cash
38 041
28 990
45 796
35 015

Estimated living cost  is ₽24787 per week

₽15592
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2890
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.
₽5842
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
₽54413
₽54480
₽55600
₽58867
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
-
-
-
15 997
health
-
-
-
2 716
social contributions
-
-
-
13 240
total
-
-
-
31 953
Employee
62 926
62 926
97 650
-
health
488
1 070
1 660
-
income
6 852
5 825
15 519
-
social contributions
2 379
5 223
7 044
-
total
9 719
12 118
24 223
-
Employer
62 926
62 926
97 650
-
health
530
1 165
1 806
-
social contributions
2 379
5 223
7 044
-
total
2 909
6 388
8 850
-
Corporate
74 926
37 186
-
-
income
9 366
4 648
-
-
total
9 366
4 648
-
-
Dividends
65 560
32 538
-
-
withholding
11 146
5 532
-
-
total
11 146
5 532
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 140
28 686
33 073
31 953
After tax
73 360
77 814
73 427
74 547
Living cost
18 947
18 947
18 947
18 947
Free-cash
54 413
58 867
54 480
55 600

Estimated living cost  is ₽18947 per week

₽11355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5314
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
₽34083
₽25708
₽32634
₽34907
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
-
-
-
11 189
social contributions

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

-
-
-
37 008
surtax
-
-
-
-
total
-
-
-
48 197
Employee
37 637
-
86 060
-
income
7 829
-
25 216
-
social contributions
4 140
-
9 467
-
surtax
-
-
-
-
total
11 969
-
34 683
-
Employer
37 637
-
86 060
-
social contributions
8 939
-
20 440
-
total
8 939
-
20 440
-
Corporate
59 924
106 500
-
-
income
12 584
22 366
-
-
surtax
-
-
-
-
total
12 584
22 366
-
-
Dividends
47 340
84 134
-
-
withholding
13 256
23 558
-
-
total
13 256
23 558
-
-
Income
106 500
106 500
106 500
106 500
Total tax
46 748
45 924
55 123
48 197
After tax
59 752
60 576
51 377
58 303
Living cost
25 669
25 669
25 669
25 669
Free-cash
34 083
34 907
25 708
32 634

Estimated living cost  is ₽25669 per week

₽19205
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1514
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.
₽4521
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
₽93942
₽79109
₽99344
₽95084
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
7 614
-
106 500
-
income
1 523
-
21 300
-
total
1 523
-
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%.

98 886
106 500
-
-
total
-
-
-
-
Dividends
98 886
106 500
-
-
withholding
4 944
5 325
-
-
total
4 944
5 325
-
-
Income
106 500
106 500
106 500
106 500
Total tax
6 467
5 325
21 300
1 065
After tax
100 033
101 175
85 200
105 435
Living cost
6 091
6 091
6 091
6 091
Free-cash
93 942
95 084
79 109
99 344

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1643
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
₽44532
₽29016
₽31976
₽51376
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
pensions
-
-
-
19 449
unemployment
-
-
-
160
income
-
-
-
22 486
health
-
-
-
10 479
total
-
-
-
52 574
Employee

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

36 187
-
92 151
-
health
2 337
-
5 952
-
unemployment
51
-
129
-
pensions
5 609
-
14 284
-
income
6 240
-
20 820
-
total
14 237
-
41 185
-
Employer

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

36 187
-
92 151
-
health
2 410
-
6 137
-
pensions
3 202
-
8 156
-
unemployment
22
-
56
-
total
5 634
-
14 349
-
Corporate
64 679
106 500
-
-
income
12 289
20 235
-
-
total
12 289
20 235
-
-
Dividends
52 390
86 265
-
-
withholding
7 858
12 939
-
-
total
7 858
12 939
-
-
Income
106 500
106 500
106 500
106 500
Total tax
40 018
33 174
55 534
52 574
After tax
66 482
73 326
50 966
53 926
Living cost
21 950
21 950
21 950
21 950
Free-cash
44 532
51 376
29 016
31 976

Estimated living cost  is ₽21950 per week

₽15064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5055
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
₽38057
₽48315
₽48346
₽35195
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
-
-
-
23 294
health

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

-
-
-
5 154
total
-
-
-
28 448
Employee
37 541
-
102 736
-
social contributions
3 761
-
3 764
-
income
4 073
-
20 951
-
total
7 834
-
24 715
-
Employer
37 541
-
102 736
-
social contributions
3 761
-
3 764
-
total
3 761
-
3 764
-
Corporate
65 198
106 500
-
-
income
22 819
37 276
-
-
total
22 819
37 276
-
-
Dividends
42 379
69 224
-
-
social contributions
4 323
4 323
-
-
total
4 323
4 323
-
-
Income
106 500
106 500
106 500
106 500
Total tax
38 737
41 599
28 479
28 448
After tax
67 763
64 901
78 021
78 052
Living cost
29 706
29 706
29 706
29 706
Free-cash
38 057
35 195
48 315
48 346

Estimated living cost  is ₽29706 per week

₽19567
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2342
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽7341
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
₽48045
₽49951
₽51041
₽47621
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
-
-
-
7 434
social contributions
-
-
-
14 697
total
-
-
-
38 106
Employee
27 747
-
106 500
-
health
1 937
-
7 434
-
income
4 628
-
17 065
-
social contributions
3 830
-
14 697
-
total
10 395
-
39 196
-
Employer
27 747
-
106 500
-
total
-
-
-
-
Corporate
78 753
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%.

3 938
5 325
-
-
total
3 938
5 325
-
-
Dividends
74 815
101 175
-
-
social contributions
10 324
13 963
-
-
withholding
11 222
15 177
-
-
health
5 223
7 061
-
-
total
26 769
36 201
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 102
41 526
39 196
38 106
After tax
65 398
64 974
67 304
68 394
Living cost
17 353
17 353
17 353
17 353
Free-cash
48 045
47 621
49 951
51 041

Estimated living cost  is ₽17353 per week

₽11613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1070
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.
₽4269
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
₽42294
₽31175
₽32732
₽50454
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
-
-
-
9 812
health
-
-
-
14 377
social contributions
-
-
-
26 708
solidarity contribution
-
-
-
-
total
-
-
-
50 897
Employee
33 634
-
79 478
-
health
4 541
-
10 729
-
solidarity contribution
-
-
-
-
income
4 036
-
9 537
-
social contributions
2 186
-
5 166
-
total
10 763
-
25 432
-
Employer
33 634
-
79 478
-
health
3 027
-
7 153
-
social contributions
8 409
-
19 869
-
total
11 436
-
27 022
-
Corporate
61 430
106 500
-
-
income
11 672
20 235
-
-
total
11 672
20 235
-
-
Dividends
49 758
86 265
-
-
withholding
7 464
12 940
-
-
total
7 464
12 940
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 335
33 175
52 454
50 897
After tax
65 165
73 325
54 046
55 603
Living cost
22 871
22 871
22 871
22 871
Free-cash
42 294
50 454
31 175
32 732

Estimated living cost  is ₽22871 per week

₽17009
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽4200
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
₽89903
₽75708
₽95943
₽91683
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
11 865
-
106 500
-
income
2 373
-
21 300
-
total
2 373
-
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%.

94 635
106 500
-
-
total
-
-
-
-
Dividends
94 635
106 500
-
-
withholding
4 732
5 325
-
-
total
4 732
5 325
-
-
Income
106 500
106 500
106 500
106 500
Total tax
7 105
5 325
21 300
1 065
After tax
99 395
101 175
85 200
105 435
Living cost
9 492
9 492
9 492
9 492
Free-cash
89 903
91 683
75 708
95 943

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
₽19775
₽23219
₽21101
₽14151
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
-
-
-
13 631
other
-
-
-
3 302
health
-
-
-
3 328
social contributions
-
-
-
3 034
pensions
-
-
-
22 579
surtax
-
-
-
-
total
-
-
-
45 874
Employee
51 254
-
84 620
-
pensions
5 797
-
4 971
-
income
4 472
-
14 493
-
social contributions
1 460
-
2 412
-
surtax
-
-
-
-
total
11 729
-
21 876
-
Employer
51 254
-
84 620
-
health
3 587
-
6 749
-
social contributions
154
-
253
-
pensions
8 422
-
8 531
-
unemployment
2 076
-
3 427
-
other
1 769
-
2 920
-
total
16 008
-
21 880
-
Corporate
39 238
106 500
-
-
income
10 987
29 820
-
-
surtax
-
-
-
-
total
10 987
29 820
-
-
Dividends
28 251
76 680
-
-
social contributions
4 859
13 189
-
-
surtax
-
-
-
-
withholding
3 617
9 815
-
-
total
8 476
23 004
-
-
Income
106 500
106 500
106 500
106 500
Total tax
47 200
52 824
43 756
45 874
After tax
59 300
53 676
62 744
60 626
Living cost
39 525
39 525
39 525
39 525
Free-cash
19 775
14 151
23 219
21 101

Estimated living cost  is ₽39525 per week

₽26750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3233
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽8999
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
₽58831
₽46396
₽46396
₽62843
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
pensions
-
-
-
15 670
unemployment
-
-
-
904
income
-
-
-
23 219
health
-
-
-
6 208
total
-
-
-
46 001
Employee

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

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

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

21 267
-
95 712
-
health
1 095
-
3 104
-
unemployment
160
-
452
-
pensions
2 977
-
8 438
-
income
2 931
-
23 219
-
total
7 163
-
35 213
-
Employer

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

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

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

21 267
-
95 712
-
health
1 095
-
3 104
-
pensions
2 552
-
7 232
-
unemployment
160
-
452
-
total
3 807
-
10 788
-
Corporate
81 427
106 500
-
-
income
12 214
15 975
-
-
total
12 214
15 975
-
-
Dividends
69 213
90 525
-
-
withholding
10 382
13 579
-
-
total
10 382
13 579
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 566
29 554
46 001
46 001
After tax
72 934
76 946
60 499
60 499
Living cost
14 103
14 103
14 103
14 103
Free-cash
58 831
62 843
46 396
46 396

Estimated living cost  is ₽14103 per week

₽9496
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1091
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.
₽3108
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
₽16181
₽25273
₽30448
-₽8141
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
pensions
-
-
-
9 797
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
health
-
-
-
239
regional
-
-
-
4 664
national
-
-
-
1 259
total
-
-
-
19 212
Employee
66 517
-
95 325
-
health
150
-
215
-
unemployment
-
-
-
-
city
714
-
1 023
-
pensions
5 588
-
8 006
-
regional
2 178
-
4 003
-
national
315
-
1 012
-
total
8 945
-
14 259
-
Employer
66 517
-
95 325
-
health
150
-
215
-
pensions
5 588
-
8 006
-
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.

1 330
-
1 907
-
total
7 068
-
10 128
-
Corporate
32 183
106 500
-
-
regional
6 806
22 524
-
-
national
2 736
9 053
-
-
total
9 542
31 577
-
-
Dividends
22 641
74 923
-
-
withholding
7 924
26 224
-
-
total
7 924
26 224
-
-
Income
106 500
106 500
106 500
106 500
Total tax
33 479
57 801
24 387
19 212
After tax
73 021
48 699
82 113
87 288
Living cost
56 840
56 840
56 840
56 840
Free-cash
16 181
-8 141
25 273
30 448

Estimated living cost  is ₽56840 per week

₽36962
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽698
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.
₽14079
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
₽37932
₽26844
₽41445
₽37508
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
-
-
-
18 937
health
-
-
-
1 298
national
-
-
-
13 402
total
-
-
-
33 637
Employee
43 055
-
89 593
-
health
321
-
1 039
-
unemployment
646
-
1 343
-
pensions
2 906
-
6 047
-
national
711
-
8 292
-
municipal
7 052
-
14 610
-
total
11 636
-
31 331
-
Employer
43 055
-
89 593
-
health
331
-
690
-
pensions
7 470
-
15 545
-
accident
43
-
90
-
unemployment
280
-
582
-
total
8 124
-
16 907
-
Corporate
55 322
106 500
-
-
income
11 065
21 300
-
-
total
11 065
21 300
-
-
Dividends

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

33 193
63 900
-
-
municipal
5 974
11 503
-
-
national
351
4 771
-
-
total
6 325
16 274
-
-
Income
106 500
106 500
106 500
106 500
Total tax
37 150
37 574
48 238
33 637
After tax
69 350
68 926
58 262
72 863
Living cost
31 418
31 418
31 418
31 418
Free-cash
37 932
37 508
26 844
41 445

Estimated living cost  is ₽31418 per week

₽20522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3022
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7375
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
₽17530
₽9759
₽17642
₽29801
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
communal

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

-
-
-
5 378
social contributions
-
-
-
16 876
national
-
-
-
36 766
total
-
-
-
59 020
Employee

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

58 536
-
82 488
-
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.

2 750
-
3 878
-
communal

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

3 053
-
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.

509
-
717
-
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.

4 390
-
6 187
-
national
17 996
-
27 807
-
total
28 698
-
42 891
-
Employer

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

58 536
-
82 488
-
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.

3 600
-
5 072
-
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.

5 187
-
7 308
-
surtax
6 637
-
9 355
-
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.

761
-
1 072
-
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.

854
-
1 205
-
total
17 039
-
24 012
-
Corporate
30 925
106 500
-
-
income
6 185
21 300
-
-
surtax
124
426
-
-
total
6 309
21 726
-
-
Dividends
24 615
84 774
-
-
withholding

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

7 086
25 135
-
-
total
7 086
25 135
-
-
Income
106 500
106 500
106 500
106 500
Total tax
59 132
46 861
66 903
59 020
After tax
47 368
59 639
39 597
47 480
Living cost
29 838
29 838
29 838
29 838
Free-cash
17 530
29 801
9 759
17 642

Estimated living cost  is ₽29838 per week

₽19219
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7543
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
₽21951
₽20458
₽21412
₽22746
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
unemployment
-
-
-
78
municipal
-
-
-
25 055
other
-
-
-
9 016
health
-
-
-
4 842
national
-
-
-
2 152
accident
-
-
-
155
pensions
-
-
-
8 387
total
-
-
-
49 685
Employee
50 445
-
82 121
-
national
-
-
1 772
-
municipal
15 043
-
24 489
-
total
15 043
-
26 261
-
Employer
50 445
-
82 121
-
health
3 102
-
4 772
-
pensions
5 453
-
8 387
-
accident
101
-
155
-
unemployment
1 332
-
2 048
-
other
5 862
-
9 016
-
total
15 850
-
24 378
-
Corporate
40 205
106 500
-
-
income
8 845
23 430
-
-
total
8 845
23 430
-
-
Dividends
31 360
83 070
-
-
withholding
9 408
24 921
-
-
total
9 408
24 921
-
-
Income
106 500
106 500
106 500
106 500
Total tax
49 146
48 351
50 639
49 685
After tax
57 354
58 149
55 861
56 815
Living cost
35 403
35 403
35 403
35 403
Free-cash
21 951
22 746
20 458
21 412

Estimated living cost  is ₽35403 per week

₽23463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3474
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7928
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
-₽28569
₽55496
₽34513
₽25708
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
56 045
-
-
-
income
12 362
-
-
-
social contributions
4 596
-
655
-
total
16 958
-
655
-
Employer
56 045
-
-
-
social contributions
79 024
-
11 262
-
total
79 024
-
11 262
-
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
95 982
41 705
11 917
32 900
After tax
10 518
64 795
94 583
73 600
Living cost
39 087
39 087
39 087
39 087
Free-cash
-28 569
25 708
55 496
34 513

Estimated living cost  is ₽39087 per week

₽25361
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3676
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.
₽9551
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
₽47876
₽46884
₽48004
₽51271
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
-
-
-
15 997
health
-
-
-
2 716
social contributions
-
-
-
13 240
total
-
-
-
31 953
Employee
62 926
62 926
97 650
-
health
626
1 070
1 660
-
income
6 608
5 825
15 519
-
social contributions
3 058
5 223
7 044
-
total
10 292
12 118
24 223
-
Employer
62 926
62 926
97 650
-
health
682
1 165
1 806
-
social contributions
3 058
5 223
7 044
-
total
3 740
6 388
8 850
-
Corporate
65 926
37 186
-
-
income
8 242
4 648
-
-
total
8 242
4 648
-
-
Dividends
57 685
32 538
-
-
withholding
9 807
5 532
-
-
total
9 807
5 532
-
-
Income
106 500
106 500
106 500
106 500
Total tax
32 081
28 686
33 073
31 953
After tax
74 419
77 814
73 427
74 547
Living cost
26 543
26 543
26 543
26 543
Free-cash
47 876
51 271
46 884
48 004

Estimated living cost  is ₽26543 per week

₽18145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5879
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
₽46220
₽34043
₽43857
₽43987
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
-
-
-
27 069
pensions
-
-
-
6 426
total
-
-
-
33 495
Employee
40 009
-
93 328
-
health
522
-
1 476
-
pensions
3 054
-
8 135
-
income
7 286
-
20 526
-
total
10 862
-
30 137
-
Employer
40 009
-
93 328
-
health
760
-
1 773
-
pensions
4 042
-
11 399
-
total
4 802
-
13 172
-
Corporate
61 688
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.

11 721
20 235
-
-
total
11 721
20 235
-
-
Dividends
49 967
86 265
-
-
withholding
3 747
13 130
-
-
total
3 747
13 130
-
-
Income
106 500
106 500
106 500
106 500
Total tax
31 132
33 365
43 309
33 495
After tax
75 368
73 135
63 191
73 005
Living cost
29 148
29 148
29 148
29 148
Free-cash
46 220
43 987
34 043
43 857

Estimated living cost  is ₽29148 per week

₽19995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽6106
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
₽19774
₽14224
₽19094
₽23495
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
-
-
-
2 355
social contributions
-
-
-
27 393
national
-
-
-
24 346
total
-
-
-
54 805
Employee
68 958
-
106 500
-
social contributions
23 252
-
35 912
-
regional
1 041
-
2 019
-
national
11 653
-
21 109
-
municipal
412
-
635
-
total
36 358
-
59 675
-
Employer
68 958
-
106 500
-
total
-
-
-
-
Corporate
37 542
106 500
-
-
nationa
9 010
25 560
-
-
municipal
1 809
5 134
-
-
total
10 819
30 694
-
-
Dividends
26 722
75 806
-
-
withholding
6 948
19 710
-
-
total
6 948
19 710
-
-
Income
106 500
106 500
106 500
106 500
Total tax
54 125
50 404
59 675
54 805
After tax
52 375
56 096
46 825
51 695
Living cost
32 601
32 601
32 601
32 601
Free-cash
19 774
23 495
14 224
19 094

Estimated living cost  is ₽32601 per week

₽22900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2242
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽6965
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
₽5968
₽39391
₽55593
-₽8700
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
pensions
-
-
-
3 277
income
-
-
-
28 095
other
-
-
-
292
health
-
-
-
1 718
accident
-
-
-
199
total
-
-
-
33 581
Employee
27 254
-
93 953
-
health
3 121
-
10 758
-
pensions
3 069
-
6 008
-
income
3 739
-
20 470
-
total
9 929
-
37 236
-
Employer
27 254
-
93 953
-
pensions
4 432
-
8 676
-
accident
455
-
1 569
-
unemployment
668
-
2 302
-
total
5 555
-
12 547
-
Corporate
73 691
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.

66 322
95 850
-
-
total
66 322
95 850
-
-
Dividends
7 369
10 650
-
-
withholding
1 400
2 024
-
-
total
1 400
2 024
-
-
Income
106 500
106 500
106 500
106 500
Total tax
83 206
97 874
49 783
33 581
After tax
23 294
8 626
56 717
72 919
Living cost
17 326
17 326
17 326
17 326
Free-cash
5 968
-8 700
39 391
55 593

Estimated living cost  is ₽17326 per week

₽12698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽3306
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
₽33982
₽38989
₽29167
₽23276
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
trade
-
-
-
9 822
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.

-
-
-
28 745
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.

-
-
-
5 591
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.

-
-
-
1 581
total
-
-
-
45 739
Employee

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

40 717
-
106 500
-
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.

5 591
-
5 591
-
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.

3 348
-
28 745
-
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.

185
-
1 581
-
total
9 124
-
35 917
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
65 783
106 500
-
-
income
9 867
15 975
-
-
trade
9 440
15 283
-
-
surtax

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

542
879
-
-
chamber of commerce
221
281
-
-
total
20 070
32 418
-
-
Dividends
45 712
74 082
-
-
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.

612
1 002
-
-
withholding
11 118
18 210
-
-
total
11 730
19 212
-
-
Income
106 500
106 500
106 500
106 500
Total tax
40 924
51 630
35 917
45 739
After tax
65 576
54 870
70 583
60 761
Living cost
31 594
31 594
31 594
31 594
Free-cash
33 982
23 276
38 989
29 167

Estimated living cost  is ₽31594 per week

₽21794
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5942
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
₽61462
₽42725
₽14611
₽68175
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
income
-
-
-
16 352
microenterprise
-
-
-
-
social contributions

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

-
-
-
31 354
surtax
-
-
-
27 158
total
-
-
-
74 864
Employee
23 912
-
85 824
-
income
4 257
-
16 636
-
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.

2 631
-
9 440
-
surtax
-
-
-
-
total
6 888
-
26 076
-
Employer
23 912
-
85 824
-
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.

5 760
-
20 674
-
surtax
-
-
-
-
total
5 760
-
20 674
-
Corporate
76 828
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%.

15 365
21 300
-
-
total
15 365
21 300
-
-
Dividends

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

61 463
85 200
-
-
total
-
-
-
-
Income
106 500
106 500
106 500
106 500
Total tax
28 013
21 300
46 750
74 864
After tax
78 487
85 200
59 750
31 636
Living cost
17 025
17 025
17 025
17 025
Free-cash
61 462
68 175
42 725
14 611

Estimated living cost  is ₽17025 per week

₽10861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1621
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.
₽4156
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
₽54811
₽52637
₽53349
₽56454
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
-
-
-
30 563
health
-
-
-
5 290
pensions
-
-
-
7 296
total
-
-
-
43 149
Employee
15 234
-
98 292
-
health
762
-
1 824
-
unemployment
152
-
365
-
pensions
1 371
-
3 283
-
income
2 947
-
30 180
-
total
5 232
-
35 652
-
Employer
15 234
-
98 292
-
health
1 447
-
3 466
-
pensions
1 676
-
4 013
-
unemployment
305
-
730
-
total
3 428
-
8 209
-
Corporate
87 838
106 500
-
-
income
19 324
23 430
-
-
total
19 324
23 430
-
-
Dividends
68 513
83 070
-
-
withholding
13 703
16 614
-
-
total
13 703
16 614
-
-
Income
106 500
106 500
106 500
106 500
Total tax
41 687
40 044
43 861
43 149
After tax
64 813
66 456
62 639
63 351
Living cost
10 002
10 002
10 002
10 002
Free-cash
54 811
56 454
52 637
53 349

Estimated living cost  is ₽10002 per week

₽5944
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽229
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.
₽3018
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
₽46005
₽30739
₽32501
₽48607
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
pensions
-
-
-
21 300
unemployment
-
-
-
186
income
-
-
-
23 361
other
-
-
-
-
health
-
-
-
7 561
surtax
-
-
-
3 210
total
-
-
-
55 618
Employee
27 559
-
87 979
-
health
703
-
2 244
-
unemployment
1 918
-
6 123
-
pensions
1 839
-
5 869
-
income
4 620
-
21 693
-
other
-
-
-
-
surtax
98
-
2 930
-
total
9 178
-
38 859
-
Employer
27 559
-
87 979
-
health
1 253
-
4 004
-
pensions
3 674
-
11 728
-
unemployment
874
-
2 789
-
other
-
-
-
-
total
5 801
-
18 521
-
Corporate
73 139
106 500
-
-
income
19 016
27 691
-
-
total
19 016
27 691
-
-
Dividends
54 123
78 809
-
-
withholding
8 119
11 821
-
-
total
8 119
11 821
-
-
Income
106 500
106 500
106 500
106 500
Total tax
42 114
39 512
57 380
55 618
After tax
64 386
66 988
49 120
50 882
Living cost
18 381
18 381
18 381
18 381
Free-cash
46 005
48 607
30 739
32 501

Estimated living cost  is ₽18381 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
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.
₽5260
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
₽32860
₽3053
₽27608
₽33265
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
pensions
-
-
-
17 687
chamber of commerce
-
-
-
426