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
₽ 107500
per

Your estimated
City
free-cash

Valencia , Spain
₽45864
₽33995
₽37887
₽49818
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
-
-
-
107 500
unemployment
-
-
-
525
income
-
-
-
24 843
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 233
total
-
-
-
47 352
Employee
29 932
-
83 580
-
unemployment
464
-
1 163
-
pensions
1 407
-
3 527
-
income
5 771
-
22 558
-
other
29
-
75
-
total
7 671
-
27 323
-
Employer
29 932
-
83 580
-
pensions
7 063
-
17 708
-
accident
593
-
1 486
-
unemployment
1 647
-
4 126
-
other
240
-
601
-
total
9 543
-
23 921
-
Corporate
68 025
107 500
-
-
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.

10 203
16 125
-
-
total
10 203
16 125
-
-
Dividends
57 821
91 375
-
-
withholding
11 958
19 296
-
-
total
11 958
19 296
-
-
Income
107 500
107 500
107 500
107 500
Total tax
39 375
35 421
51 244
47 352
After tax
68 125
72 079
56 256
60 148
Living cost
22 261
22 261
22 261
22 261
Free-cash
45 864
49 818
33 995
37 887

Estimated living cost  is ₽22261 per week

₽15026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
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
₽51944
₽40198
₽35754
₽57411
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
-
-
-
107 500
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.

-
-
-
25 800
income
-
-
-
14 540
other
-
-
-
5 106
health
-
-
-
4 730
total
-
-
-
50 176
Employee
29 392
-
85 861
-
health
412
-
1 201
-
unemployment
293
-
859
-
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.

2 057
-
6 011
-
income
5 060
-
16 023
-
total
7 822
-
24 094
-
Employer
29 392
-
85 861
-
health
412
-
1 201
-
pensions

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

4 997
-
14 597
-
accident
235
-
687
-
unemployment
293
-
859
-
other
1 470
-
4 294
-
total
7 407
-
21 638
-
Corporate
70 700
107 500
-
-
income
14 847
22 574
-
-
total
14 847
22 574
-
-
Dividends
55 853
84 926
-
-
withholding
3 910
5 945
-
-
total
3 910
5 945
-
-
Income
107 500
107 500
107 500
107 500
Total tax
33 986
28 519
45 732
50 176
After tax
73 514
78 981
61 768
57 324
Living cost
21 570
21 570
21 570
21 570
Free-cash
51 944
57 411
40 198
35 754

Estimated living cost  is ₽21570 per week

₽15241
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4526
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
₽77519
₽77022
₽73185
₽81283
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
-
-
-
107 500
pensions

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

-
-
-
4 191
unemployment
-
-
-
113
income
-
-
-
16 125
health
-
-
-
3 257
total
-
-
-
23 686
Employee
14 075
-
101 944
-
health
647
-
1 303
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 236
-
2 486
-
income
1 407
-
10 194
-
total
3 445
-
14 294
-
Employer
14 075
-
101 944
-
health
971
-
1 954
-
pensions

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

1 551
-
3 120
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 555
-
Corporate
90 664
107 500
-
-
income
9 066
10 750
-
-
total
9 066
10 750
-
-
Dividends
81 597
96 750
-
-
withholding
4 080
4 838
-
-
total
4 080
4 838
-
-
Income
107 500
107 500
107 500
107 500
Total tax
19 352
15 588
19 849
23 686
After tax
88 148
91 912
87 651
83 814
Living cost
10 629
10 629
10 629
10 629
Free-cash
77 519
81 283
77 022
73 185

Estimated living cost  is ₽10629 per week

₽6206
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽282
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.
₽3383
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
₽31263
₽35316
₽33452
₽26484
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
-
-
-
107 500
income
-
-
-
13 994
other
-
-
-
3 332
health
-
-
-
3 450
social contributions
-
-
-
3 063
pensions
-
-
-
22 513
surtax
-
-
-
-
total
-
-
-
46 352
Employee
34 646
-
85 254
-
pensions
3 917
-
5 074
-
income
2 045
-
14 744
-
social contributions
988
-
2 430
-
surtax
-
-
-
-
total
6 950
-
22 248
-
Employer
34 646
-
85 254
-
health
2 426
-
6 877
-
social contributions
104
-
255
-
pensions
5 692
-
8 694
-
unemployment
1 403
-
3 453
-
other
1 195
-
2 961
-
total
10 820
-
22 240
-
Corporate
62 035
107 500
-
-
income
17 370
30 100
-
-
surtax
-
-
-
-
total
17 370
30 100
-
-
Dividends
44 665
77 400
-
-
social contributions
7 683
13 313
-
-
surtax
-
-
-
-
withholding
5 718
9 907
-
-
total
13 401
23 220
-
-
Income
107 500
107 500
107 500
107 500
Total tax
48 541
53 320
44 488
46 352
After tax
58 959
54 180
63 012
61 148
Living cost
27 696
27 696
27 696
27 696
Free-cash
31 263
26 484
35 316
33 452

Estimated living cost  is ₽27696 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7510
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
₽13828
₽27765
₽27881
₽18788
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
-
-
-
107 500
pensions
-
-
-
9 484
income
-
-
-
26 242
health
-
-
-
9 982
total
-
-
-
45 708
Employee
69 129
69 129
92 456
-
health
10 611
9 025
9 982
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
11 315
-
total
34 369
29 824
30 781
-
Employer
69 129
69 129
92 456
-
health
4 805
4 805
5 971
-
pensions
4 811
4 811
5 980
-
unemployment
2 489
2 489
3 092
-
total
12 105
12 105
15 043
-
Corporate
27 114
26 266
-
-
income
5 423
5 254
-
-
total
5 423
5 254
-
-
Dividends
21 691
21 012
-
-
income
4 610
4 466
-
-
withholding
3 254
3 152
-
-
total
7 864
7 618
-
-
Income
107 500
107 500
107 500
107 500
Total tax
59 761
54 801
45 824
45 708
After tax
47 739
52 699
61 676
61 792
Living cost
33 911
33 911
33 911
33 911
Free-cash
13 828
18 788
27 765
27 881

Estimated living cost  is ₽33911 per week

₽24032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽38710
₽46500
₽35496
₽29757
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.

-
-
-
107 500
trade
-
-
-
11 004
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.

-
-
-
29 338
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.

-
-
-
5 530
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.

-
-
-
1 613
total
-
-
-
47 485
Employee

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

30 962
-
107 500
-
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.

5 530
-
5 530
-
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.

865
-
29 338
-
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
-
1 613
-
total
6 443
-
36 481
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
76 538
107 500
-
-
income
11 480
16 125
-
-
trade
12 055
16 932
-
-
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.

631
886
-
-
chamber of commerce
234
278
-
-
total
24 400
34 221
-
-
Dividends
52 138
73 278
-
-
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.

701
991
-
-
withholding
12 727
18 012
-
-
total
13 428
19 003
-
-
Income
107 500
107 500
107 500
107 500
Total tax
44 271
53 224
36 481
47 485
After tax
63 229
54 276
71 019
60 015
Living cost
24 519
24 519
24 519
24 519
Free-cash
38 710
29 757
46 500
35 496

Estimated living cost  is ₽24519 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
₽55389
₽55344
₽56466
₽59796
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
-
-
-
107 500
income
-
-
-
16 453
health
-
-
-
2 741
social contributions
-
-
-
13 098
total
-
-
-
32 292
Employee
62 247
62 247
98 705
-
health
482
1 058
1 678
-
income
6 778
5 762
15 973
-
social contributions
2 353
5 166
6 968
-
total
9 613
11 986
24 619
-
Employer
62 247
62 247
98 705
-
health
524
1 152
1 827
-
social contributions
2 353
5 166
6 968
-
total
2 877
6 318
8 795
-
Corporate
76 267
38 934
-
-
income
9 534
4 867
-
-
total
9 534
4 867
-
-
Dividends
66 733
34 068
-
-
withholding
11 345
5 791
-
-
total
11 345
5 791
-
-
Income
107 500
107 500
107 500
107 500
Total tax
33 369
28 962
33 414
32 292
After tax
74 131
78 538
74 086
75 208
Living cost
18 742
18 742
18 742
18 742
Free-cash
55 389
59 796
55 344
56 466

Estimated living cost  is ₽18742 per week

₽11233
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽5257
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
₽34940
₽26282
₽33363
₽35755
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.

-
-
-
107 500
income
-
-
-
11 389
social contributions

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

-
-
-
37 356
surtax
-
-
-
-
total
-
-
-
48 745
Employee
37 231
-
86 869
-
income
7 744
-
25 640
-
social contributions
4 095
-
9 555
-
surtax
-
-
-
-
total
11 839
-
35 195
-
Employer
37 231
-
86 869
-
social contributions
8 842
-
20 631
-
total
8 842
-
20 631
-
Corporate
61 427
107 500
-
-
income
12 899
22 574
-
-
surtax
-
-
-
-
total
12 899
22 574
-
-
Dividends
48 527
84 926
-
-
withholding
13 588
23 779
-
-
total
13 588
23 779
-
-
Income
107 500
107 500
107 500
107 500
Total tax
47 168
46 353
55 826
48 745
After tax
60 332
61 147
51 674
58 755
Living cost
25 392
25 392
25 392
25 392
Free-cash
34 940
35 755
26 282
33 363

Estimated living cost  is ₽25392 per week

₽18998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4472
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
₽94944
₽79953
₽100378
₽96078
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%.

-
-
-
107 500
microenterprise

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

-
-
-
1 075
total
-
-
-
1 075
Employee
7 559
-
107 500
-
income
1 512
-
21 500
-
total
1 512
-
21 500
-
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%.

99 941
107 500
-
-
total
-
-
-
-
Dividends
99 941
107 500
-
-
withholding
4 997
5 375
-
-
total
4 997
5 375
-
-
Income
107 500
107 500
107 500
107 500
Total tax
6 509
5 375
21 500
1 075
After tax
100 991
102 125
86 000
106 425
Living cost
6 047
6 047
6 047
6 047
Free-cash
94 944
96 078
79 953
100 378

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
₽45529
₽29660
₽32571
₽52301
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.

-
-
-
107 500
pensions
-
-
-
19 633
unemployment
-
-
-
161
income
-
-
-
22 844
health
-
-
-
10 578
total
-
-
-
53 216
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.

35 797
-
93 017
-
health
2 312
-
6 010
-
unemployment
51
-
131
-
pensions
5 549
-
14 417
-
income
6 173
-
21 087
-
total
14 085
-
41 645
-
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.

35 797
-
93 017
-
health
2 384
-
6 195
-
pensions
3 168
-
8 232
-
unemployment
22
-
55
-
total
5 574
-
14 482
-
Corporate
66 130
107 500
-
-
income
12 565
20 425
-
-
total
12 565
20 425
-
-
Dividends
53 565
87 075
-
-
withholding
8 034
13 061
-
-
total
8 034
13 061
-
-
Income
107 500
107 500
107 500
107 500
Total tax
40 258
33 486
56 127
53 216
After tax
67 242
74 014
51 373
54 284
Living cost
21 713
21 713
21 713
21 713
Free-cash
45 529
52 301
29 660
32 571

Estimated living cost  is ₽21713 per week

₽14901
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
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.
₽5000
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
₽39041
₽49189
₽49947
₽36213
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.

-
-
-
107 500
income
-
-
-
23 043
health

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

-
-
-
5 125
total
-
-
-
28 168
Employee
37 135
-
103 776
-
social contributions
3 721
-
3 724
-
income
4 029
-
21 478
-
total
7 750
-
25 202
-
Employer
37 135
-
103 776
-
social contributions
3 721
-
3 724
-
total
3 721
-
3 724
-
Corporate
66 644
107 500
-
-
income
23 326
37 625
-
-
total
23 326
37 625
-
-
Dividends
43 318
69 875
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
107 500
107 500
107 500
107 500
Total tax
39 074
41 902
28 926
28 168
After tax
68 426
65 598
78 574
79 332
Living cost
29 385
29 385
29 385
29 385
Free-cash
39 041
36 213
49 189
49 947

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7262
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
₽48839
₽50686
₽51872
₽48420
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
-
-
-
107 500
income
-
-
-
16 125
health
-
-
-
7 503
social contributions
-
-
-
14 835
total
-
-
-
38 463
Employee
27 447
-
107 500
-
health
1 916
-
7 503
-
income
4 578
-
17 311
-
social contributions
3 788
-
14 835
-
total
10 282
-
39 649
-
Employer
27 447
-
107 500
-
total
-
-
-
-
Corporate
80 053
107 500
-
-
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%.

4 003
5 375
-
-
total
4 003
5 375
-
-
Dividends
76 050
102 125
-
-
social contributions
10 495
14 093
-
-
withholding
11 408
15 319
-
-
health
5 308
7 128
-
-
total
27 211
36 540
-
-
Income
107 500
107 500
107 500
107 500
Total tax
41 496
41 915
39 649
38 463
After tax
66 004
65 585
67 851
69 037
Living cost
17 165
17 165
17 165
17 165
Free-cash
48 839
48 420
50 686
51 872

Estimated living cost  is ₽17165 per week

₽11488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4223
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
₽43322
₽31930
₽33962
₽51392
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
-
-
-
107 500
income
-
-
-
9 986
health
-
-
-
14 513
social contributions
-
-
-
26 417
solidarity contribution
-
-
-
-
total
-
-
-
50 916
Employee
33 268
-
80 224
-
health
4 491
-
10 830
-
solidarity contribution
-
-
-
-
income
3 992
-
9 627
-
social contributions
2 162
-
5 215
-
total
10 645
-
25 672
-
Employer
33 268
-
80 224
-
health
2 994
-
7 220
-
social contributions
8 317
-
20 056
-
total
11 311
-
27 276
-
Corporate
62 921
107 500
-
-
income
11 955
20 425
-
-
total
11 955
20 425
-
-
Dividends
50 966
87 075
-
-
withholding
7 645
13 061
-
-
total
7 645
13 061
-
-
Income
107 500
107 500
107 500
107 500
Total tax
41 556
33 486
52 948
50 916
After tax
65 944
74 014
54 552
56 584
Living cost
22 622
22 622
22 622
22 622
Free-cash
43 322
51 392
31 930
33 962

Estimated living cost  is ₽22622 per week

₽16823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
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.
₽4154
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
₽90935
₽76577
₽97002
₽92702
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%.

-
-
-
107 500
microenterprise

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

-
-
-
1 075
total
-
-
-
1 075
Employee
11 779
-
107 500
-
income
2 356
-
21 500
-
total
2 356
-
21 500
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

95 721
107 500
-
-
total
-
-
-
-
Dividends
95 721
107 500
-
-
withholding
4 786
5 375
-
-
total
4 786
5 375
-
-
Income
107 500
107 500
107 500
107 500
Total tax
7 142
5 375
21 500
1 075
After tax
100 358
102 125
86 000
106 425
Living cost
9 423
9 423
9 423
9 423
Free-cash
90 935
92 702
76 577
97 002

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
₽20645
₽23914
₽22050
₽15082
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
-
-
-
107 500
income
-
-
-
13 994
other
-
-
-
3 332
health
-
-
-
3 450
social contributions
-
-
-
3 063
pensions
-
-
-
22 513
surtax
-
-
-
-
total
-
-
-
46 352
Employee
50 701
-
85 254
-
pensions
5 735
-
5 074
-
income
4 424
-
14 744
-
social contributions
1 444
-
2 430
-
surtax
-
-
-
-
total
11 603
-
22 248
-
Employer
50 701
-
85 254
-
health
3 549
-
6 877
-
social contributions
152
-
255
-
pensions
8 331
-
8 694
-
unemployment
2 054
-
3 453
-
other
1 750
-
2 961
-
total
15 836
-
22 240
-
Corporate
40 964
107 500
-
-
income
11 469
30 100
-
-
surtax
-
-
-
-
total
11 469
30 100
-
-
Dividends
29 495
77 400
-
-
social contributions
5 073
13 313
-
-
surtax
-
-
-
-
withholding
3 776
9 907
-
-
total
8 849
23 220
-
-
Income
107 500
107 500
107 500
107 500
Total tax
47 757
53 320
44 488
46 352
After tax
59 743
54 180
63 012
61 148
Living cost
39 098
39 098
39 098
39 098
Free-cash
20 645
15 082
23 914
22 050

Estimated living cost  is ₽39098 per week

₽26461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
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.
₽8902
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
₽59751
₽47511
₽47511
₽63719
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.

-
-
-
107 500
pensions
-
-
-
15 499
unemployment
-
-
-
894
income
-
-
-
23 506
health
-
-
-
6 140
total
-
-
-
46 039
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.

21 035
-
96 830
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 945
-
8 346
-
income
2 899
-
23 506
-
total
7 085
-
35 369
-
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.

21 035
-
96 830
-
health
1 083
-
3 070
-
pensions
2 524
-
7 153
-
unemployment
158
-
447
-
total
3 765
-
10 670
-
Corporate
82 700
107 500
-
-
income
12 405
16 125
-
-
total
12 405
16 125
-
-
Dividends
70 295
91 375
-
-
withholding
10 544
13 706
-
-
total
10 544
13 706
-
-
Income
107 500
107 500
107 500
107 500
Total tax
33 799
29 831
46 039
46 039
After tax
73 701
77 669
61 461
61 461
Living cost
13 950
13 950
13 950
13 950
Free-cash
59 751
63 719
47 511
47 511

Estimated living cost  is ₽13950 per week

₽9392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3075
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
₽16901
₽26429
₽31652
-₽7220
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
-
-
-
107 500
pensions
-
-
-
9 889
city
-
-
-
1 134
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.

-
-
-
2 150
health
-
-
-
242
regional
-
-
-
4 759
national
-
-
-
1 298
total
-
-
-
19 472
Employee
65 974
-
96 218
-
health
149
-
217
-
unemployment
-
-
-
-
city
708
-
1 034
-
pensions
5 543
-
8 082
-
regional
2 160
-
4 090
-
national
312
-
1 049
-
total
8 872
-
14 472
-
Employer
65 974
-
96 218
-
health
149
-
217
-
pensions
5 543
-
8 082
-
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.

1 319
-
1 924
-
total
7 011
-
10 223
-
Corporate
33 789
107 500
-
-
regional
7 147
22 736
-
-
national
2 873
9 138
-
-
total
10 020
31 874
-
-
Dividends
23 770
75 626
-
-
withholding
8 320
26 470
-
-
total
8 320
26 470
-
-
Income
107 500
107 500
107 500
107 500
Total tax
34 223
58 344
24 695
19 472
After tax
73 277
49 156
82 805
88 028
Living cost
56 376
56 376
56 376
56 376
Free-cash
16 901
-7 220
26 429
31 652

Estimated living cost  is ₽56376 per week

₽36660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13964
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
₽38930
₽27543
₽42284
₽38367
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

-
-
-
107 500
municipal
-
-
-
19 113
health
-
-
-
1 318
national
-
-
-
13 706
total
-
-
-
34 137
Employee
42 590
-
90 434
-
health
318
-
1 055
-
unemployment
639
-
1 356
-
pensions
2 874
-
6 105
-
national
704
-
8 550
-
municipal
6 976
-
14 746
-
total
11 511
-
31 812
-
Employer
42 590
-
90 434
-
health
327
-
696
-
pensions
7 389
-
15 691
-
accident
43
-
91
-
unemployment
277
-
588
-
total
8 036
-
17 066
-
Corporate
56 874
107 500
-
-
income
11 376
21 501
-
-
total
11 376
21 501
-
-
Dividends

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

34 124
64 500
-
-
municipal
6 142
11 611
-
-
national
426
4 942
-
-
total
6 568
16 553
-
-
Income
107 500
107 500
107 500
107 500
Total tax
37 491
38 054
48 878
34 137
After tax
70 009
69 446
58 622
73 363
Living cost
31 079
31 079
31 079
31 079
Free-cash
38 930
38 367
27 543
42 284

Estimated living cost  is ₽31079 per week

₽20301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
₽18535
₽10289
₽18265
₽30677
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
-
-
-
107 500
communal

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

-
-
-
5 430
social contributions
-
-
-
16 998
national
-
-
-
37 291
total
-
-
-
59 719
Employee

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

57 905
-
83 262
-
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.

2 721
-
3 913
-
communal

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

3 020
-
4 343
-
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.

504
-
725
-
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.

4 343
-
6 245
-
national
17 802
-
28 231
-
total
28 390
-
43 457
-
Employer

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

57 905
-
83 262
-
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.

3 561
-
5 122
-
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.

5 131
-
7 377
-
surtax
6 566
-
9 441
-
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.

753
-
1 083
-
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.

845
-
1 215
-
total
16 856
-
24 238
-
Corporate
32 740
107 500
-
-
income
6 549
21 501
-
-
surtax
131
430
-
-
total
6 680
21 931
-
-
Dividends
26 061
85 569
-
-
withholding

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

7 523
25 376
-
-
total
7 523
25 376
-
-
Income
107 500
107 500
107 500
107 500
Total tax
59 449
47 307
67 695
59 719
After tax
48 051
60 193
39 805
47 781
Living cost
29 516
29 516
29 516
29 516
Free-cash
18 535
30 677
10 289
18 265

Estimated living cost  is ₽29516 per week

₽19012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
₽23005
₽21421
₽22361
₽23789
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
-
-
-
107 500
unemployment
-
-
-
77
municipal
-
-
-
25 448
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
2 621
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
50 233
Employee
49 738
-
83 463
-
national
-
-
2 246
-
municipal
14 832
-
24 889
-
total
14 832
-
27 135
-
Employer
49 738
-
83 463
-
health
3 059
-
4 705
-
pensions
5 377
-
8 270
-
accident
100
-
153
-
unemployment
1 313
-
2 020
-
other
5 780
-
8 890
-
total
15 629
-
24 038
-
Corporate
42 134
107 500
-
-
income
9 269
23 650
-
-
total
9 269
23 650
-
-
Dividends
32 865
83 850
-
-
withholding
9 859
25 155
-
-
total
9 859
25 155
-
-
Income
107 500
107 500
107 500
107 500
Total tax
49 589
48 805
51 173
50 233
After tax
57 911
58 695
56 327
57 267
Living cost
34 906
34 906
34 906
34 906
Free-cash
23 005
23 789
21 421
22 361

Estimated living cost  is ₽34906 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽25164
₽57404
₽35900
₽27012
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
-
-
-
107 500
income
-
-
-
20 954
social contributions
-
-
-
12 255
total
-
-
-
33 209
Employee
55 047
-
-
-
income
12 142
-
-
-
social contributions
4 514
-
643
-
total
16 656
-
643
-
Employer
55 047
-
-
-
social contributions
77 617
-
11 062
-
total
77 617
-
11 062
-
Corporate
-
107 500
-
-
income
-
23 650
-
-
total
-
23 650
-
-
Dividends
-
83 850
-
-
income
-
18 447
-
-
total
-
18 447
-
-
Income
107 500
107 500
107 500
107 500
Total tax
94 273
42 097
11 705
33 209
After tax
13 227
65 403
95 795
74 291
Living cost
38 391
38 391
38 391
38 391
Free-cash
-25 164
27 012
57 404
35 900

Estimated living cost  is ₽38391 per week

₽24910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3611
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9381
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
₽48923
₽47830
₽48952
₽52282
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
-
-
-
107 500
income
-
-
-
16 453
health
-
-
-
2 741
social contributions
-
-
-
13 098
total
-
-
-
32 292
Employee
62 247
62 247
98 705
-
health
619
1 058
1 678
-
income
6 537
5 762
15 973
-
social contributions
3 025
5 166
6 968
-
total
10 181
11 986
24 619
-
Employer
62 247
62 247
98 705
-
health
674
1 152
1 827
-
social contributions
3 025
5 166
6 968
-
total
3 699
6 318
8 795
-
Corporate
67 364
38 934
-
-
income
8 420
4 867
-
-
total
8 420
4 867
-
-
Dividends
58 944
34 068
-
-
withholding
10 021
5 791
-
-
total
10 021
5 791
-
-
Income
107 500
107 500
107 500
107 500
Total tax
32 321
28 962
33 414
32 292
After tax
75 179
78 538
74 086
75 208
Living cost
26 256
26 256
26 256
26 256
Free-cash
48 923
52 282
47 830
48 952

Estimated living cost  is ₽26256 per week

₽17949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
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
₽47215
₽34689
₽44583
₽44638
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
-
-
-
107 500
income
-
-
-
27 567
pensions
-
-
-
6 415
total
-
-
-
33 982
Employee
39 717
-
94 182
-
health
518
-
1 481
-
pensions
3 031
-
8 106
-
income
7 233
-
20 971
-
total
10 782
-
30 558
-
Employer
39 717
-
94 182
-
health
755
-
1 789
-
pensions
4 013
-
11 529
-
total
4 768
-
13 318
-
Corporate
63 015
107 500
-
-
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.

11 973
20 425
-
-
total
11 973
20 425
-
-
Dividends
51 043
87 075
-
-
withholding
3 827
13 502
-
-
total
3 827
13 502
-
-
Income
107 500
107 500
107 500
107 500
Total tax
31 350
33 927
43 876
33 982
After tax
76 150
73 573
63 624
73 518
Living cost
28 935
28 935
28 935
28 935
Free-cash
47 215
44 638
34 689
44 583

Estimated living cost  is ₽28935 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
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.
₽6061
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
₽20691
₽14885
₽19803
₽24374
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
-
-
-
107 500
municipal
-
-
-
719
regional
-
-
-
2 391
social contributions
-
-
-
27 648
national
-
-
-
24 690
total
-
-
-
55 448
Employee
68 214
-
107 500
-
social contributions
23 001
-
36 250
-
regional
1 030
-
2 053
-
national
11 528
-
21 422
-
municipal
407
-
641
-
total
35 966
-
60 366
-
Employer
68 214
-
107 500
-
total
-
-
-
-
Corporate
39 286
107 500
-
-
nationa
9 429
25 800
-
-
municipal
1 894
5 182
-
-
total
11 323
30 982
-
-
Dividends
27 962
76 518
-
-
withholding
7 271
19 895
-
-
total
7 271
19 895
-
-
Income
107 500
107 500
107 500
107 500
Total tax
54 560
50 877
60 366
55 448
After tax
52 940
56 623
47 134
52 052
Living cost
32 249
32 249
32 249
32 249
Free-cash
20 691
24 374
14 885
19 803

Estimated living cost  is ₽32249 per week

₽22653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽6890
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
₽6078
₽40199
₽56447
-₽8440
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
-
-
-
107 500
pensions
-
-
-
3 243
income
-
-
-
28 477
other
-
-
-
289
health
-
-
-
1 700
accident
-
-
-
197
total
-
-
-
33 906
Employee
26 974
-
94 999
-
health
3 088
-
10 877
-
pensions
3 037
-
5 947
-
income
3 701
-
20 830
-
total
9 826
-
37 654
-
Employer
26 974
-
94 999
-
pensions
4 386
-
8 587
-
accident
450
-
1 586
-
unemployment
661
-
2 327
-
total
5 497
-
12 500
-
Corporate
75 029
107 500
-
-
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.

67 526
96 750
-
-
total
67 526
96 750
-
-
Dividends
7 503
10 750
-
-
withholding
1 426
2 043
-
-
total
1 426
2 043
-
-
Income
107 500
107 500
107 500
107 500
Total tax
84 275
98 793
50 154
33 906
After tax
23 225
8 707
57 346
73 594
Living cost
17 147
17 147
17 147
17 147
Free-cash
6 078
-8 440
40 199
56 447

Estimated living cost  is ₽17147 per week

₽12568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3272
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
₽34720
₽39766
₽29741
₽24130
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.

-
-
-
107 500
trade
-
-
-
10 025
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.

-
-
-
29 338
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.

-
-
-
5 530
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.

-
-
-
1 613
total
-
-
-
46 506
Employee

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

40 278
-
107 500
-
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.

5 530
-
5 530
-
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.

3 312
-
29 338
-
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.

183
-
1 613
-
total
9 025
-
36 481
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
67 222
107 500
-
-
income
10 084
16 125
-
-
trade
9 646
15 426
-
-
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.

555
886
-
-
chamber of commerce
221
281
-
-
total
20 506
32 718
-
-
Dividends
46 717
74 781
-
-
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.

625
1 011
-
-
withholding
11 371
18 388
-
-
total
11 996
19 399
-
-
Income
107 500
107 500
107 500
107 500
Total tax
41 527
52 117
36 481
46 506
After tax
65 973
55 383
71 019
60 994
Living cost
31 253
31 253
31 253
31 253
Free-cash
34 720
24 130
39 766
29 741

Estimated living cost  is ₽31253 per week

₽21559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5877
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
₽62519
₽43449
₽15562
₽69158
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.

-
-
-
107 500
income
-
-
-
16 669
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.

-
-
-
31 016
surtax
-
-
-
27 412
total
-
-
-
75 097
Employee
23 654
-
86 631
-
income
4 211
-
16 812
-
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.

2 602
-
9 529
-
surtax
-
-
-
-
total
6 813
-
26 341
-
Employer
23 654
-
86 631
-
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.

5 698
-
20 869
-
surtax
-
-
-
-
total
5 698
-
20 869
-
Corporate
78 148
107 500
-
-
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%.

15 629
21 501
-
-
total
15 629
21 501
-
-
Dividends

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

62 519
85 999
-
-
total
-
-
-
-
Income
107 500
107 500
107 500
107 500
Total tax
28 140
21 501
47 210
75 097
After tax
79 360
85 999
60 290
32 403
Living cost
16 841
16 841
16 841
16 841
Free-cash
62 519
69 158
43 449
15 562

Estimated living cost  is ₽16841 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4111
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
₽55508
₽53389
₽54099
₽57140
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
-
-
-
107 500
income
-
-
-
30 955
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
43 461
Employee
15 139
-
99 344
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
30 575
-
total
5 199
-
36 014
-
Employer
15 139
-
99 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
88 954
107 500
-
-
income
19 570
23 650
-
-
total
19 570
23 650
-
-
Dividends
69 384
83 850
-
-
withholding
13 877
16 770
-
-
total
13 877
16 770
-
-
Income
107 500
107 500
107 500
107 500
Total tax
42 052
40 420
44 171
43 461
After tax
65 448
67 080
63 329
64 039
Living cost
9 940
9 940
9 940
9 940
Free-cash
55 508
57 140
53 389
54 099

Estimated living cost  is ₽9940 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽46860
₽31114
₽32894
₽49435
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
-
-
-
107 500
pensions
-
-
-
21 501
unemployment
-
-
-
184
income
-
-
-
23 814
other
-
-
-
-
health
-
-
-
7 633
surtax
-
-
-
3 292
total
-
-
-
56 424
Employee
27 261
-
88 805
-
health
696
-
2 264
-
unemployment
1 897
-
6 180
-
pensions
1 819
-
5 924
-
income
4 570
-
22 129
-
other
-
-
-
-
surtax
97
-
3 011
-
total
9 079
-
39 508
-
Employer
27 261
-
88 805
-
health
1 240
-
4 042
-
pensions
3 635
-
11 838
-
unemployment
865
-
2 816
-
other
-
-
-
-
total
5 740
-
18 696
-
Corporate
74 499
107 500
-
-
income
19 370
27 950
-
-
total
19 370
27 950
-
-
Dividends
55 129
79 550
-
-
withholding
8 269
11 933
-
-
total
8 269
11 933
-
-
Income
107 500
107 500
107 500
107 500
Total tax
42 458
39 883
58 204
56 424
After tax
65 042
67 617
49 296
51 076
Living cost
18 182
18 182
18 182
18 182
Free-cash
46 860
49 435
31 114
32 894

Estimated living cost  is ₽18182 per week

₽10978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5203
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
₽33674
₽3401
₽28549
₽34073
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
-
-
-
107 500
pensions
-
-
-
17 496
chamber of commerce
-
-
-
430