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
₽ 110500
per

Your estimated
City
free-cash

Valencia , Spain
₽34799
₽38814
₽51121
₽47030
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
-
-
-
110 500
income
-
-
-
25 472
accident
-
-
-
698
unemployment
-
-
-
542
pensions
-
-
-
21 918
other
-
-
-
78
total
-
-
-
48 708
Employee
30 897
-
85 809
-
other
30
-
78
-
income
5 957
-
23 114
-
unemployment
479
-
1 200
-
pensions
1 453
-
3 641
-
total
7 919
-
28 033
-
Employer
30 897
-
85 809
-
unemployment
1 700
-
4 259
-
pensions
7 291
-
18 278
-
other
247
-
620
-
accident
612
-
1 533
-
total
9 850
-
24 690
-
Corporate
69 753
110 500
-
-
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.

10 462
16 575
-
-
total
10 462
16 575
-
-
Dividends
59 290
93 925
-
-
withholding
12 261
19 826
-
-
total
12 261
19 826
-
-
Income
110 500
110 500
110 500
110 500
Total tax
40 492
36 401
52 723
48 708
After tax
70 008
74 099
57 777
61 792
Living cost
22 978
22 978
22 978
22 978
Free-cash
47 030
51 121
34 799
38 814

Estimated living cost  is ₽22978 per week

₽15510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4857
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
₽41243
₽36674
₽58919
₽53277
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
-
-
-
110 500
income
-
-
-
14 931
health
-
-
-
4 862
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.

-
-
-
26 519
other
-
-
-
5 249
total
-
-
-
51 561
Employee
30 340
-
88 259
-
income
5 223
-
16 455
-
health
425
-
1 235
-
unemployment
303
-
883
-
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.

2 123
-
6 178
-
total
8 074
-
24 751
-
Employer
30 340
-
88 259
-
unemployment
303
-
883
-
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.

5 158
-
15 004
-
other
1 518
-
4 413
-
accident
243
-
706
-
health
425
-
1 235
-
total
7 647
-
22 241
-
Corporate
72 514
110 500
-
-
income
15 227
23 205
-
-
total
15 227
23 205
-
-
Dividends
57 287
87 295
-
-
withholding
4 010
6 111
-
-
total
4 010
6 111
-
-
Income
110 500
110 500
110 500
110 500
Total tax
34 958
29 316
46 992
51 561
After tax
75 542
81 184
63 508
58 939
Living cost
22 265
22 265
22 265
22 265
Free-cash
53 277
58 919
41 243
36 674

Estimated living cost  is ₽22265 per week

₽15732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1503
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.
₽4671
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
₽79155
₽75214
₽83544
₽79671
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
-
-
-
110 500
income
-
-
-
16 575
health
-
-
-
3 350
unemployment
-
-
-
117
pensions

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

-
-
-
4 311
total
-
-
-
24 353
Employee
14 477
-
104 785
-
income
1 447
-
10 479
-
health
666
-
1 340
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
pensions

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

1 271
-
2 558
-
total
3 543
-
14 697
-
Employer
14 477
-
104 785
-
unemployment
87
-
175
-
pensions

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

1 596
-
3 210
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
health
999
-
2 010
-
total
2 841
-
5 715
-
Corporate
93 182
110 500
-
-
income
9 319
11 050
-
-
total
9 319
11 050
-
-
Dividends
83 863
99 450
-
-
withholding
4 193
4 973
-
-
total
4 193
4 973
-
-
Income
110 500
110 500
110 500
110 500
Total tax
19 896
16 023
20 412
24 353
After tax
90 604
94 477
90 088
86 147
Living cost
10 933
10 933
10 933
10 933
Free-cash
79 671
83 544
79 155
75 214

Estimated living cost  is ₽10933 per week

₽6383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽290
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.
₽3480
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
₽36250
₽34276
₽27103
₽32036
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
-
-
-
110 500
income
-
-
-
14 334
social contributions
-
-
-
3 148
health
-
-
-
3 527
surtax
-
-
-
-
pensions
-
-
-
23 201
other
-
-
-
3 425
total
-
-
-
47 635
Employee
35 762
-
87 671
-
income
2 111
-
15 132
-
social contributions
1 020
-
2 499
-
surtax
-
-
-
-
pensions
4 044
-
5 203
-
total
7 175
-
22 834
-
Employer
35 762
-
87 671
-
unemployment
1 448
-
3 550
-
social contributions
108
-
263
-
pensions
5 875
-
8 919
-
other
1 234
-
3 039
-
health
2 504
-
7 056
-
total
11 169
-
22 827
-
Corporate
63 570
110 500
-
-
income
17 799
30 940
-
-
surtax
-
-
-
-
total
17 799
30 940
-
-
Dividends
45 770
79 560
-
-
withholding
5 859
10 183
-
-
surtax
-
-
-
-
social contributions
7 873
13 685
-
-
total
13 732
23 868
-
-
Income
110 500
110 500
110 500
110 500
Total tax
49 875
54 808
45 661
47 635
After tax
60 625
55 692
64 839
62 865
Living cost
28 589
28 589
28 589
28 589
Free-cash
32 036
27 103
36 250
34 276

Estimated living cost  is ₽28589 per week

₽18026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2325
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.
₽7752
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
₽28193
₽28553
₽19157
₽14039
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
-
-
-
110 500
income
-
-
-
26 849
health
-
-
-
10 304
pensions
-
-
-
9 790
total
-
-
-
46 943
Employee
71 357
71 357
94 971
-
income

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

11 680
11 680
11 680
-
health
10 952
9 316
10 304
-
pensions
12 844
9 790
9 790
-
total
35 476
30 786
31 774
-
Employer
71 357
71 357
94 971
-
unemployment
2 569
2 569
3 192
-
pensions
4 966
4 966
6 173
-
health
4 960
4 960
6 164
-
total
12 495
12 495
15 529
-
Corporate
27 523
26 648
-
-
income
5 504
5 330
-
-
total
5 504
5 330
-
-
Dividends
22 020
21 319
-
-
withholding
3 303
3 198
-
-
income
4 679
4 530
-
-
total
7 982
7 728
-
-
Income
110 500
110 500
110 500
110 500
Total tax
61 457
56 339
47 303
46 943
After tax
49 043
54 161
63 197
63 557
Living cost
35 004
35 004
35 004
35 004
Free-cash
14 039
19 157
28 193
28 553

Estimated living cost  is ₽35004 per week

₽24807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽47737
₽36452
₽30484
₽39723
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.

-
-
-
110 500
income

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

-
-
-
30 089
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.

-
-
-
5 709
trade
-
-
-
11 285
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.

-
-
-
1 655
total
-
-
-
48 738
Employee

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

31 960
-
110 500
-
income

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

893
-
30 089
-
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.

5 709
-
5 709
-
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.

49
-
1 655
-
total
6 651
-
37 453
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
78 540
110 500
-
-
chamber of commerce
239
285
-
-
income
11 782
16 575
-
-
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.

649
912
-
-
trade
12 370
17 403
-
-
total
25 040
35 175
-
-
Dividends
53 500
75 324
-
-
withholding
13 058
18 513
-
-
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.

718
1 018
-
-
total
13 776
19 531
-
-
Income
110 500
110 500
110 500
110 500
Total tax
45 467
54 706
37 453
48 738
After tax
65 033
55 794
73 047
61 762
Living cost
25 310
25 310
25 310
25 310
Free-cash
39 723
30 484
47 737
36 452

Estimated living cost  is ₽25310 per week

₽15920
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2951
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽5965
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
₽56815
₽57968
₽61383
₽56838
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
-
-
-
110 500
income
-
-
-
16 848
social contributions
-
-
-
13 520
health
-
-
-
2 818
total
-
-
-
33 186
Employee
64 253
64 253
101 431
-
income
6 996
5 948
16 353
-
social contributions
2 429
5 333
7 193
-
health
498
1 093
1 724
-
total
9 923
12 374
25 270
-
Employer
64 253
64 253
101 431
-
social contributions
2 429
5 333
7 193
-
health
541
1 189
1 876
-
total
2 970
6 522
9 069
-
Corporate
78 260
39 725
-
-
income
9 782
4 965
-
-
total
9 782
4 965
-
-
Dividends
68 478
34 760
-
-
withholding
11 641
5 910
-
-
total
11 641
5 910
-
-
Income
110 500
110 500
110 500
110 500
Total tax
34 316
29 771
34 339
33 186
After tax
76 184
80 729
76 161
77 314
Living cost
19 346
19 346
19 346
19 346
Free-cash
56 838
61 383
56 815
57 968

Estimated living cost  is ₽19346 per week

₽11595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1898
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5426
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
₽26944
₽34205
₽36643
₽35802
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.

-
-
-
110 500
income
-
-
-
11 686
social contributions

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

-
-
-
38 399
surtax
-
-
-
-
total
-
-
-
50 085
Employee
38 431
-
89 293
-
income
7 994
-
26 317
-
social contributions
4 227
-
9 822
-
surtax
-
-
-
-
total
12 221
-
36 139
-
Employer
38 431
-
89 293
-
social contributions
9 127
-
21 207
-
total
9 127
-
21 207
-
Corporate
62 942
110 500
-
-
income
13 218
23 205
-
-
surtax
-
-
-
-
total
13 218
23 205
-
-
Dividends
49 723
87 295
-
-
withholding
13 922
24 442
-
-
total
13 922
24 442
-
-
Income
110 500
110 500
110 500
110 500
Total tax
48 488
47 647
57 346
50 085
After tax
62 012
62 853
53 154
60 415
Living cost
26 210
26 210
26 210
26 210
Free-cash
35 802
36 643
26 944
34 205

Estimated living cost  is ₽26210 per week

₽19610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4616
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
₽82171
₽103166
₽98746
₽97578
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%.

-
-
-
110 500
microenterprise

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

-
-
-
1 105
total
-
-
-
1 105
Employee
7 786
-
110 500
-
income
1 557
-
22 100
-
total
1 557
-
22 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

102 714
110 500
-
-
total
-
-
-
-
Dividends
102 714
110 500
-
-
withholding
5 136
5 525
-
-
total
5 136
5 525
-
-
Income
110 500
110 500
110 500
110 500
Total tax
6 693
5 525
22 100
1 105
After tax
103 807
104 975
88 400
109 395
Living cost
6 229
6 229
6 229
6 229
Free-cash
97 578
98 746
82 171
103 166

Estimated living cost  is ₽6229 per week

₽3860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1680
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
₽30410
₽33416
₽53666
₽46677
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.

-
-
-
110 500
income
-
-
-
23 450
health
-
-
-
10 875
unemployment
-
-
-
166
pensions
-
-
-
20 180
total
-
-
-
54 671
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.

36 950
-
95 613
-
income
6 372
-
21 662
-
health
2 386
-
6 176
-
unemployment
52
-
133
-
pensions
5 728
-
14 820
-
total
14 538
-
42 791
-
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.

36 950
-
95 613
-
unemployment
22
-
57
-
pensions
3 270
-
8 461
-
health
2 461
-
6 368
-
total
5 753
-
14 886
-
Corporate
67 797
110 500
-
-
income
12 881
20 995
-
-
total
12 881
20 995
-
-
Dividends
54 916
89 505
-
-
withholding
8 238
13 426
-
-
total
8 238
13 426
-
-
Income
110 500
110 500
110 500
110 500
Total tax
41 410
34 421
57 677
54 671
After tax
69 090
76 079
52 823
55 829
Living cost
22 413
22 413
22 413
22 413
Free-cash
46 677
53 666
30 410
33 416

Estimated living cost  is ₽22413 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5161
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
₽50474
₽50915
₽37078
₽39998
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.

-
-
-
110 500
income
-
-
-
23 786
health

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

-
-
-
5 467
total
-
-
-
29 253
Employee
38 332
-
106 656
-
social contributions
3 841
-
3 844
-
income
4 159
-
22 006
-
total
8 000
-
25 850
-
Employer
38 332
-
106 656
-
social contributions
3 841
-
3 844
-
total
3 841
-
3 844
-
Corporate
68 327
110 500
-
-
income
23 914
38 675
-
-
total
23 914
38 675
-
-
Dividends
44 413
71 825
-
-
social contributions
4 415
4 415
-
-
total
4 415
4 415
-
-
Income
110 500
110 500
110 500
110 500
Total tax
40 170
43 090
29 694
29 253
After tax
70 330
67 410
80 806
81 247
Living cost
30 332
30 332
30 332
30 332
Free-cash
39 998
37 078
50 474
50 915

Estimated living cost  is ₽30332 per week

₽19980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7496
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
₽52042
₽53243
₽49695
₽50131
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
-
-
-
110 500
income
-
-
-
16 575
social contributions
-
-
-
15 250
health
-
-
-
7 713
total
-
-
-
39 538
Employee
28 332
-
110 500
-
income
4 725
-
17 776
-
social contributions
3 910
-
15 250
-
health
1 977
-
7 713
-
total
10 612
-
40 739
-
Employer
28 332
-
110 500
-
total
-
-
-
-
Corporate
82 168
110 500
-
-
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%.

4 109
5 525
-
-
total
4 109
5 525
-
-
Dividends
78 060
104 975
-
-
withholding
11 709
15 746
-
-
health
5 448
7 328
-
-
social contributions
10 772
14 487
-
-
total
27 929
37 561
-
-
Income
110 500
110 500
110 500
110 500
Total tax
42 650
43 086
40 739
39 538
After tax
67 850
67 414
69 761
70 962
Living cost
17 719
17 719
17 719
17 719
Free-cash
50 131
49 695
52 042
53 243

Estimated living cost  is ₽17719 per week

₽11858
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
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.
₽4359
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
₽33193
₽35652
₽53198
₽45036
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
-
-
-
110 500
income
-
-
-
10 330
social contributions
-
-
-
26 719
solidarity contribution
-
-
-
-
health
-
-
-
14 918
total
-
-
-
51 967
Employee
33 648
-
82 463
-
solidarity contribution
-
-
-
-
income
4 038
-
9 896
-
social contributions
2 187
-
5 360
-
health
4 542
-
11 132
-
total
10 767
-
26 388
-
Employer
33 648
-
82 463
-
social contributions
8 412
-
20 616
-
health
3 028
-
7 422
-
total
11 440
-
28 038
-
Corporate
65 412
110 500
-
-
income
12 428
20 995
-
-
total
12 428
20 995
-
-
Dividends
52 983
89 505
-
-
withholding
7 948
13 426
-
-
total
7 948
13 426
-
-
Income
110 500
110 500
110 500
110 500
Total tax
42 583
34 421
54 426
51 967
After tax
67 917
76 079
56 074
58 533
Living cost
22 881
22 881
22 881
22 881
Free-cash
45 036
53 198
33 193
35 652

Estimated living cost  is ₽22881 per week

₽17016
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1268
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.
₽4202
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
₽78693
₽99688
₽95268
₽93448
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%.

-
-
-
110 500
microenterprise

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

-
-
-
1 105
total
-
-
-
1 105
Employee
12 134
-
110 500
-
income
2 427
-
22 100
-
total
2 427
-
22 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

98 366
110 500
-
-
total
-
-
-
-
Dividends
98 366
110 500
-
-
withholding
4 918
5 525
-
-
total
4 918
5 525
-
-
Income
110 500
110 500
110 500
110 500
Total tax
7 345
5 525
22 100
1 105
After tax
103 155
104 975
88 400
109 395
Living cost
9 707
9 707
9 707
9 707
Free-cash
93 448
95 268
78 693
99 688

Estimated living cost  is ₽9707 per week

₽6569
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽2405
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
₽24481
₽22507
₽15334
₽21078
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
-
-
-
110 500
income
-
-
-
14 334
social contributions
-
-
-
3 148
health
-
-
-
3 527
surtax
-
-
-
-
pensions
-
-
-
23 201
other
-
-
-
3 425
total
-
-
-
47 635
Employee
52 335
-
87 671
-
income
4 566
-
15 132
-
social contributions
1 491
-
2 499
-
surtax
-
-
-
-
pensions
5 919
-
5 203
-
total
11 976
-
22 834
-
Employer
52 335
-
87 671
-
unemployment
2 120
-
3 550
-
social contributions
157
-
263
-
pensions
8 599
-
8 919
-
other
1 806
-
3 039
-
health
3 663
-
7 056
-
total
16 345
-
22 827
-
Corporate
41 820
110 500
-
-
income
11 709
30 940
-
-
surtax
-
-
-
-
total
11 709
30 940
-
-
Dividends
30 111
79 560
-
-
withholding
3 855
10 183
-
-
surtax
-
-
-
-
social contributions
5 179
13 685
-
-
total
9 034
23 868
-
-
Income
110 500
110 500
110 500
110 500
Total tax
49 064
54 808
45 661
47 635
After tax
61 436
55 692
64 839
62 865
Living cost
40 358
40 358
40 358
40 358
Free-cash
21 078
15 334
24 481
22 507

Estimated living cost  is ₽40358 per week

₽27314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽9189
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
₽48684
₽48686
₽65433
₽61336
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.

-
-
-
110 500
income
-
-
-
24 146
health
-
-
-
6 339
unemployment
-
-
-
923
pensions
-
-
-
16 003
total
-
-
-
47 411
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.

21 718
-
99 483
-
income
2 994
-
24 146
-
health
1 118
-
3 170
-
unemployment
163
-
462
-
pensions
3 041
-
8 617
-
total
7 316
-
36 395
-
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.

21 718
-
99 483
-
unemployment
163
-
462
-
pensions
2 606
-
7 386
-
health
1 118
-
3 170
-
total
3 887
-
11 018
-
Corporate
84 894
110 500
-
-
income
12 734
16 575
-
-
total
12 734
16 575
-
-
Dividends
72 160
93 925
-
-
withholding
10 824
14 089
-
-
total
10 824
14 089
-
-
Income
110 500
110 500
110 500
110 500
Total tax
34 761
30 664
47 413
47 411
After tax
75 739
79 836
63 087
63 089
Living cost
14 403
14 403
14 403
14 403
Free-cash
61 336
65 433
48 684
48 686

Estimated living cost  is ₽14403 per week

₽9697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽3175
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
₽26817
₽32187
-₽7800
₽17155
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
-
-
-
110 500
regional
-
-
-
4 873
national
-
-
-
1 323
health
-
-
-
249
city
-
-
-
1 164
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.

-
-
-
2 210
pensions
-
-
-
10 166
total
-
-
-
19 985
Employee
68 258
-
98 903
-
regional
2 235
-
4 186
-
city
733
-
1 062
-
health
154
-
223
-
unemployment
-
-
-
-
national
323
-
1 068
-
pensions
5 735
-
8 308
-
total
9 180
-
14 847
-
Employer
68 258
-
98 903
-
unemployment
-
-
-
-
pensions
5 735
-
8 308
-
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.

1 365
-
1 977
-
health
154
-
223
-
total
7 254
-
10 508
-
Corporate
34 237
110 500
-
-
regional
7 242
23 371
-
-
national
2 911
9 393
-
-
total
10 153
32 764
-
-
Dividends
24 085
77 736
-
-
withholding
8 430
27 208
-
-
total
8 430
27 208
-
-
Income
110 500
110 500
110 500
110 500
Total tax
35 017
59 972
25 355
19 985
After tax
75 483
50 528
85 145
90 515
Living cost
58 328
58 328
58 328
58 328
Free-cash
17 155
-7 800
26 817
32 187

Estimated living cost  is ₽58328 per week

₽37930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽716
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.
₽14447
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
₽28217
₽43369
₽39333
₽39882
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

-
-
-
110 500
municipal
-
-
-
19 647
national
-
-
-
14 050
health
-
-
-
1 353
total
-
-
-
35 050
Employee
43 962
-
92 959
-
health
328
-
1 083
-
unemployment
660
-
1 394
-
national
726
-
8 751
-
municipal
7 201
-
15 158
-
pensions
2 967
-
6 275
-
total
11 882
-
32 661
-
Employer
43 962
-
92 959
-
unemployment
285
-
604
-
pensions
7 627
-
16 128
-
accident
44
-
94
-
health
338
-
715
-
total
8 294
-
17 541
-
Corporate
58 243
110 500
-
-
income
11 649
22 100
-
-
total
11 649
22 100
-
-
Dividends

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

34 946
66 300
-
-
national
422
5 052
-
-
municipal
6 290
11 934
-
-
total
6 712
16 986
-
-
Income
110 500
110 500
110 500
110 500
Total tax
38 537
39 086
50 202
35 050
After tax
71 963
71 414
60 298
75 450
Living cost
32 081
32 081
32 081
32 081
Free-cash
39 882
39 333
28 217
43 369

Estimated living cost  is ₽32081 per week

₽20955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7530
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
₽10484
₽18675
₽31408
₽18876
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
-
-
-
110 500
national
-
-
-
38 295
social contributions
-
-
-
17 481
communal

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

-
-
-
5 582
total
-
-
-
61 358
Employee

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

59 771
-
85 587
-
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.

2 808
-
4 023
-
communal

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

3 117
-
4 464
-
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.

520
-
745
-
national
18 376
-
28 985
-
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.

4 483
-
6 419
-
total
29 304
-
44 636
-
Employer

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

59 771
-
85 587
-
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.

872
-
1 250
-
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.

5 296
-
7 583
-
surtax
6 777
-
9 704
-
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.

777
-
1 113
-
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.

3 676
-
5 263
-
total
17 398
-
24 913
-
Corporate
33 331
110 500
-
-
income
6 666
22 100
-
-
surtax
133
442
-
-
total
6 799
22 542
-
-
Dividends
26 532
87 958
-
-
withholding

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

7 656
26 083
-
-
total
7 656
26 083
-
-
Income
110 500
110 500
110 500
110 500
Total tax
61 157
48 625
69 549
61 358
After tax
49 343
61 875
40 951
49 142
Living cost
30 467
30 467
30 467
30 467
Free-cash
18 876
31 408
10 484
18 675

Estimated living cost  is ₽30467 per week

₽19625
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2664
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.
₽7702
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
₽23218
₽24150
₽25738
₽24960
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
-
-
-
110 500
municipal
-
-
-
26 401
national
-
-
-
3 389
health
-
-
-
4 731
accident
-
-
-
152
unemployment
-
-
-
76
pensions
-
-
-
8 196
other
-
-
-
8 810
total
-
-
-
51 755
Employee
49 295
-
86 677
-
national
-
-
3 017
-
municipal
14 700
-
25 847
-
total
14 700
-
28 864
-
Employer
49 295
-
86 677
-
unemployment
1 301
-
2 002
-
pensions
5 329
-
8 196
-
other
5 728
-
8 810
-
accident
99
-
152
-
health
3 032
-
4 663
-
total
15 489
-
23 823
-
Corporate
45 716
110 500
-
-
income
10 058
24 310
-
-
total
10 058
24 310
-
-
Dividends
35 659
86 190
-
-
withholding
10 698
25 857
-
-
total
10 698
25 857
-
-
Income
110 500
110 500
110 500
110 500
Total tax
50 945
50 167
52 687
51 755
After tax
59 555
60 333
57 813
58 745
Living cost
34 595
34 595
34 595
34 595
Free-cash
24 960
25 738
23 218
24 150

Estimated living cost  is ₽34595 per week

₽22928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽7747
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
₽60664
₽38172
₽29036
-₽21476
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
-
-
-
110 500
income
-
-
-
21 539
social contributions
-
-
-
12 597
total
-
-
-
34 136
Employee
54 762
-
-
-
income
12 079
-
-
-
social contributions
4 491
-
640
-
total
16 570
-
640
-
Employer
54 762
-
-
-
social contributions
77 214
-
11 004
-
total
77 214
-
11 004
-
Corporate
-
110 500
-
-
income
-
24 310
-
-
total
-
24 310
-
-
Dividends
-
86 190
-
-
income
-
18 962
-
-
total
-
18 962
-
-
Income
110 500
110 500
110 500
110 500
Total tax
93 784
43 272
11 644
34 136
After tax
16 716
67 228
98 856
76 364
Living cost
38 192
38 192
38 192
38 192
Free-cash
-21 476
29 036
60 664
38 172

Estimated living cost  is ₽38192 per week

₽24780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3592
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.
₽9333
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
₽49058
₽50211
₽53626
₽50163
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
-
-
-
110 500
income
-
-
-
16 848
social contributions
-
-
-
13 520
health
-
-
-
2 818
total
-
-
-
33 186
Employee
64 253
64 253
101 431
-
income
6 747
5 948
16 353
-
social contributions
3 122
5 333
7 193
-
health
639
1 093
1 724
-
total
10 508
12 374
25 270
-
Employer
64 253
64 253
101 431
-
social contributions
3 122
5 333
7 193
-
health
696
1 189
1 876
-
total
3 818
6 522
9 069
-
Corporate
69 071
39 725
-
-
income
8 634
4 965
-
-
total
8 634
4 965
-
-
Dividends
60 437
34 760
-
-
withholding
10 274
5 910
-
-
total
10 274
5 910
-
-
Income
110 500
110 500
110 500
110 500
Total tax
33 234
29 771
34 339
33 186
After tax
77 266
80 729
76 161
77 314
Living cost
27 103
27 103
27 103
27 103
Free-cash
50 163
53 626
49 058
50 211

Estimated living cost  is ₽27103 per week

₽18527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2117
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.
₽6003
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
₽35276
₽45462
₽45607
₽47880
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
-
-
-
110 500
income
-
-
-
28 052
pensions
-
-
-
6 677
total
-
-
-
34 729
Employee
41 604
-
96 835
-
income
7 576
-
21 261
-
health
543
-
1 533
-
pensions
3 175
-
8 456
-
total
11 294
-
31 250
-
Employer
41 604
-
96 835
-
pensions
4 203
-
11 825
-
health
791
-
1 840
-
total
4 994
-
13 665
-
Corporate
63 902
110 500
-
-
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.

12 141
20 995
-
-
total
12 141
20 995
-
-
Dividends
51 761
89 505
-
-
withholding
3 882
13 589
-
-
total
3 882
13 589
-
-
Income
110 500
110 500
110 500
110 500
Total tax
32 311
34 584
44 915
34 729
After tax
78 189
75 916
65 585
75 771
Living cost
30 309
30 309
30 309
30 309
Free-cash
47 880
45 607
35 276
45 462

Estimated living cost  is ₽30309 per week

₽20792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2787
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽6349
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
₽15188
₽20242
₽24916
₽21115
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
-
-
-
110 500
municipal
-
-
-
739
regional
-
-
-
2 455
national
-
-
-
25 355
social contributions
-
-
-
28 421
total
-
-
-
56 970
Employee
70 413
-
110 500
-
regional
1 063
-
2 108
-
social contributions
23 743
-
37 261
-
national
11 899
-
21 995
-
municipal
420
-
660
-
total
37 125
-
62 024
-
Employer
70 413
-
110 500
-
total
-
-
-
-
Corporate
40 087
110 500
-
-
nationa
9 620
26 519
-
-
municipal
1 933
5 326
-
-
total
11 553
31 845
-
-
Dividends
28 534
78 654
-
-
withholding
7 419
20 451
-
-
total
7 419
20 451
-
-
Income
110 500
110 500
110 500
110 500
Total tax
56 097
52 296
62 024
56 970
After tax
54 403
58 204
48 476
53 530
Living cost
33 288
33 288
33 288
33 288
Free-cash
21 115
24 916
15 188
20 242

Estimated living cost  is ₽33288 per week

₽23383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽7112
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
₽41499
₽58159
-₽8535
₽6270
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
-
-
-
110 500
income
-
-
-
29 320
health
-
-
-
1 733
accident
-
-
-
201
pensions
-
-
-
3 307
other
-
-
-
295
total
-
-
-
34 856
Employee
27 504
-
97 718
-
income
3 773
-
21 481
-
health
3 149
-
11 189
-
pensions
3 097
-
6 064
-
total
10 019
-
38 734
-
Employer
27 504
-
97 718
-
unemployment
674
-
2 394
-
pensions
4 472
-
8 756
-
accident
459
-
1 632
-
total
5 605
-
12 782
-
Corporate
77 390
110 500
-
-
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.

69 651
99 450
-
-
total
69 651
99 450
-
-
Dividends
7 739
11 050
-
-
withholding
1 470
2 100
-
-
total
1 470
2 100
-
-
Income
110 500
110 500
110 500
110 500
Total tax
86 745
101 550
51 516
34 856
After tax
23 755
8 950
58 984
75 644
Living cost
17 485
17 485
17 485
17 485
Free-cash
6 270
-8 535
41 499
58 159

Estimated living cost  is ₽17485 per week

₽12815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽969
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.
₽3337
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
₽40787
₽30505
₽24667
₽35600
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.

-
-
-
110 500
income

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

-
-
-
30 089
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.

-
-
-
5 709
trade
-
-
-
10 282
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.

-
-
-
1 655
total
-
-
-
47 735
Employee

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

41 576
-
110 500
-
income

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

3 419
-
30 089
-
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.

5 709
-
5 709
-
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.

189
-
1 655
-
total
9 317
-
37 453
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
68 924
110 500
-
-
chamber of commerce
228
289
-
-
income
10 339
16 575
-
-
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.

569
912
-
-
trade
9 890
15 857
-
-
total
21 026
33 633
-
-
Dividends
47 898
76 867
-
-
withholding
11 656
18 900
-
-
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.

641
1 040
-
-
total
12 297
19 940
-
-
Income
110 500
110 500
110 500
110 500
Total tax
42 640
53 573
37 453
47 735
After tax
67 860
56 927
73 047
62 765
Living cost
32 260
32 260
32 260
32 260
Free-cash
35 600
24 667
40 787
30 505

Estimated living cost  is ₽32260 per week

₽22254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽6067
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
₽44593
₽15823
₽71016
₽64162
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.

-
-
-
110 500
microenterprise
-
-
-
-
income
-
-
-
17 100
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.

-
-
-
32 015
surtax
-
-
-
28 178
total
-
-
-
77 293
Employee
24 417
-
89 049
-
income
4 346
-
17 277
-
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.

2 686
-
9 795
-
surtax
-
-
-
-
total
7 032
-
27 072
-
Employer
24 417
-
89 049
-
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.

5 881
-
21 451
-
surtax
-
-
-
-
total
5 881
-
21 451
-
Corporate
80 202
110 500
-
-
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%.

16 041
22 100
-
-
total
16 041
22 100
-
-
Dividends

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

64 161
88 400
-
-
total
-
-
-
-
Income
110 500
110 500
110 500
110 500
Total tax
28 954
22 100
48 523
77 293
After tax
81 546
88 400
61 977
33 207
Living cost
17 384
17 384
17 384
17 384
Free-cash
64 162
71 016
44 593
15 823

Estimated living cost  is ₽17384 per week

₽11090
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1655
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.
₽4243
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
₽53910
₽54679
₽58150
₽56374
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
-
-
-
110 500
income
-
-
-
31 427
health
-
-
-
5 713
pensions
-
-
-
7 879
total
-
-
-
45 019
Employee
16 453
-
101 636
-
income
3 183
-
31 013
-
health
823
-
1 970
-
unemployment
165
-
394
-
pensions
1 481
-
3 546
-
total
5 652
-
36 923
-
Employer
16 453
-
101 636
-
unemployment
329
-
788
-
pensions
1 810
-
4 334
-
health
1 563
-
3 743
-
total
3 702
-
8 865
-
Corporate
90 345
110 500
-
-
income
19 876
24 310
-
-
total
19 876
24 310
-
-
Dividends
70 469
86 190
-
-
withholding
14 094
17 238
-
-
total
14 094
17 238
-
-
Income
110 500
110 500
110 500
110 500
Total tax
43 324
41 548
45 788
45 019
After tax
67 176
68 952
64 712
65 481
Living cost
10 802
10 802
10 802
10 802
Free-cash
56 374
58 150
53 910
54 679

Estimated living cost  is ₽10802 per week

₽6419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽247
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.
₽3260
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
₽31963
₽33794
₽50737
₽48078
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
-
-
-
110 500
income
-
-
-
24 429
health
-
-
-
7 846
unemployment
-
-
-
190
surtax
-
-
-
3 373
pensions
-
-
-
22 100
other
-
-
-
-
total
-
-
-
57 938
Employee
28 140
-
91 284
-
other
-
-
-
-
income
4 717
-
22 698
-
health
718
-
2 328
-
unemployment
1 958
-
6 354
-
surtax
100
-
3 084
-
pensions
1 877
-
6 089
-
total
9 370
-
40 553
-
Employer
28 140
-
91 284
-
unemployment
893
-
2 894
-
pensions
3 752
-
12 169
-
other
-
-
-
-
health
1 280
-
4 153
-
total
5 925
-
19 216
-
Corporate
76 436
110 500
-
-
income
19 874
28 730
-
-
total
19 874
28 730
-
-
Dividends
56 562
81 770
-
-
withholding
8 485
12 265
-
-
total
8 485
12 265
-
-
Income
110 500
110 500
110 500
110 500
Total tax
43 654
40 995
59 769
57 938
After tax
66 846
69 505
50 731
52 562
Living cost
18 768
18 768
18 768
18 768
Free-cash
48 078
50 737
31 963
33 794

Estimated living cost  is ₽18768 per week

₽11331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1632
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5371
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
₽3428
₽29201
₽34921
₽34505
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
-
-
-
110 500
income
-
-
-
23 546
chamber of commerce
-
-
-