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
₽ 113000
per

Your estimated
City
free-cash

Valencia , Spain
₽50518
₽38692
₽42240
₽54167
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
-
-
-
113 000
unemployment
-
-
-
506
income
-
-
-
27 623
other
-
-
-
73
accident
-
-
-
651
pensions
-
-
-
20 459
total
-
-
-
49 312
Employee
28 840
-
89 953
-
unemployment
447
-
1 120
-
pensions
1 356
-
3 398
-
income
5 560
-
25 221
-
other
28
-
73
-
total
7 391
-
29 812
-
Employer
28 840
-
89 953
-
pensions
6 806
-
17 062
-
accident
571
-
1 431
-
unemployment
1 587
-
3 976
-
other
231
-
579
-
total
9 195
-
23 048
-
Corporate
74 965
113 000
-
-
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.

11 245
16 951
-
-
total
11 245
16 951
-
-
Dividends
63 720
96 049
-
-
withholding
13 203
20 434
-
-
total
13 203
20 434
-
-
Income
113 000
113 000
113 000
113 000
Total tax
41 034
37 385
52 860
49 312
After tax
71 966
75 615
60 140
63 688
Living cost
21 448
21 448
21 448
21 448
Free-cash
50 518
54 167
38 692
42 240

Estimated living cost  is ₽21448 per week

₽14477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2062
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽4534
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
₽56968
₽43846
₽39172
₽62238
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
-
-
-
113 000
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.

-
-
-
27 121
income
-
-
-
15 585
other
-
-
-
5 367
health
-
-
-
4 972
total
-
-
-
53 045
Employee
28 320
-
90 256
-
health
397
-
1 264
-
unemployment
283
-
903
-
pensions

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

1 982
-
6 317
-
income
4 876
-
17 143
-
total
7 538
-
25 627
-
Employer
28 320
-
90 256
-
health
397
-
1 264
-
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.

4 815
-
15 343
-
accident
226
-
722
-
unemployment
283
-
903
-
other
1 417
-
4 512
-
total
7 138
-
22 744
-
Corporate
77 543
113 000
-
-
income
16 285
23 730
-
-
total
16 285
23 730
-
-
Dividends
61 258
89 270
-
-
withholding
4 288
6 249
-
-
total
4 288
6 249
-
-
Income
113 000
113 000
113 000
113 000
Total tax
35 249
29 979
48 371
53 045
After tax
77 751
83 021
64 629
59 955
Living cost
20 783
20 783
20 783
20 783
Free-cash
56 968
62 238
43 846
39 172

Estimated living cost  is ₽20783 per week

₽14685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1403
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽335
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.
₽4361
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
₽82763
₽82714
₽78546
₽86387
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
-
-
-
113 000
pensions

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

-
-
-
4 033
unemployment
-
-
-
109
income
-
-
-
16 950
health
-
-
-
3 134
total
-
-
-
24 226
Employee
13 543
-
107 654
-
health
623
-
1 253
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
pensions

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

1 189
-
2 393
-
income
1 354
-
10 766
-
total
3 315
-
14 712
-
Employer
13 543
-
107 654
-
health
935
-
1 880
-
pensions

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

1 493
-
3 003
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
unemployment
81
-
163
-
total
2 658
-
5 346
-
Corporate
96 799
113 000
-
-
income
9 680
11 300
-
-
total
9 680
11 300
-
-
Dividends
87 119
101 700
-
-
withholding
4 356
5 085
-
-
total
4 356
5 085
-
-
Income
113 000
113 000
113 000
113 000
Total tax
20 009
16 385
20 058
24 226
After tax
92 991
96 615
92 942
88 774
Living cost
10 228
10 228
10 228
10 228
Free-cash
82 763
86 387
82 714
78 546

Estimated living cost  is ₽10228 per week

₽5971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽730
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽271
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.
₽3255
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
₽34873
₽38143
₽37387
₽30265
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
-
-
-
113 000
income
-
-
-
15 713
other
-
-
-
3 504
health
-
-
-
4 017
social contributions
-
-
-
3 219
pensions
-
-
-
22 474
surtax
-
-
-
-
total
-
-
-
48 927
Employee
33 382
-
88 924
-
pensions
3 774
-
5 573
-
income
1 970
-
15 987
-
social contributions
952
-
2 534
-
surtax
-
-
-
-
total
6 696
-
24 094
-
Employer
33 382
-
88 924
-
health
2 337
-
7 507
-
social contributions
101
-
266
-
pensions
5 484
-
9 493
-
unemployment
1 351
-
3 601
-
other
1 152
-
3 210
-
total
10 425
-
24 077
-
Corporate
69 193
113 000
-
-
income
19 374
31 640
-
-
surtax
-
-
-
-
total
19 374
31 640
-
-
Dividends
49 820
81 360
-
-
social contributions
8 569
13 995
-
-
surtax
-
-
-
-
withholding
6 377
10 414
-
-
total
14 946
24 409
-
-
Income
113 000
113 000
113 000
113 000
Total tax
51 441
56 049
48 171
48 927
After tax
61 559
56 951
64 829
64 073
Living cost
26 686
26 686
26 686
26 686
Free-cash
34 873
30 265
38 143
37 387

Estimated living cost  is ₽26686 per week

₽16826
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7236
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
₽18130
₽35278
₽31409
₽22908
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
-
-
-
113 000
pensions
-
-
-
9 138
income
-
-
-
30 161
health
-
-
-
9 618
total
-
-
-
48 917
Employee
66 607
66 607
98 505
-
health
10 223
8 696
9 618
-
pensions
11 989
9 138
9 138
-
income

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

10 902
10 902
11 797
-
total
33 114
28 736
30 553
-
Employer
66 607
66 607
98 505
-
health
4 630
4 630
5 753
-
pensions
4 636
4 636
5 762
-
unemployment
2 398
2 398
2 980
-
total
11 664
11 664
14 495
-
Corporate
35 546
34 729
-
-
income
7 109
6 946
-
-
total
7 109
6 946
-
-
Dividends
28 437
27 783
-
-
income
6 043
5 904
-
-
withholding
4 266
4 168
-
-
total
10 309
10 072
-
-
Income
113 000
113 000
113 000
113 000
Total tax
62 196
57 418
45 048
48 917
After tax
50 804
55 582
67 952
64 083
Living cost
32 674
32 674
32 674
32 674
Free-cash
18 130
22 908
35 278
31 409

Estimated living cost  is ₽32674 per week

₽23156
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
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.
₽6054
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
₽42035
₽50050
₽37965
₽33406
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.

-
-
-
113 000
trade
-
-
-
12 085
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.

-
-
-
32 224
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.

-
-
-
5 329
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.

-
-
-
1 772
total
-
-
-
51 410
Employee

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

29 833
-
113 000
-
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.

5 329
-
5 329
-
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.

833
-
32 224
-
surtax

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

46
-
1 772
-
total
6 208
-
39 325
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
83 167
113 000
-
-
income
12 475
16 951
-
-
trade
13 099
17 797
-
-
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.

687
932
-
-
chamber of commerce
238
281
-
-
total
26 499
35 961
-
-
Dividends
56 668
77 038
-
-
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.

762
1 044
-
-
withholding
13 871
18 964
-
-
total
14 633
20 008
-
-
Income
113 000
113 000
113 000
113 000
Total tax
47 340
55 969
39 325
51 410
After tax
65 660
57 031
73 675
61 590
Living cost
23 625
23 625
23 625
23 625
Free-cash
42 035
33 406
50 050
37 965

Estimated living cost  is ₽23625 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2755
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.
₽5568
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
₽60209
₽59337
₽60397
₽64454
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
-
-
-
113 000
income
-
-
-
19 042
health
-
-
-
2 882
social contributions
-
-
-
12 620
total
-
-
-
34 544
Employee
59 977
59 977
104 356
-
health
465
1 020
1 775
-
income
6 530
5 552
18 471
-
social contributions
2 268
4 978
6 714
-
total
9 263
11 550
26 960
-
Employer
59 977
59 977
104 356
-
health
505
1 110
1 930
-
social contributions
2 268
4 978
6 714
-
total
2 773
6 088
8 644
-
Corporate
82 906
46 936
-
-
income
10 363
5 867
-
-
total
10 363
5 867
-
-
Dividends
72 544
41 068
-
-
withholding
12 333
6 982
-
-
total
12 333
6 982
-
-
Income
113 000
113 000
113 000
113 000
Total tax
34 732
30 487
35 604
34 544
After tax
78 268
82 513
77 396
78 456
Living cost
18 059
18 059
18 059
18 059
Free-cash
60 209
64 454
59 337
60 397

Estimated living cost  is ₽18059 per week

₽10823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1772
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽400
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.
₽5065
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
₽39023
₽29050
₽36891
₽39810
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.

-
-
-
113 000
income
-
-
-
12 377
social contributions

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

-
-
-
39 267
surtax
-
-
-
-
total
-
-
-
51 644
Employee
35 873
-
91 313
-
income
7 462
-
27 754
-
social contributions
3 946
-
10 044
-
surtax
-
-
-
-
total
11 408
-
37 798
-
Employer
35 873
-
91 313
-
social contributions
8 520
-
21 687
-
total
8 520
-
21 687
-
Corporate
68 607
113 000
-
-
income
14 408
23 730
-
-
surtax
-
-
-
-
total
14 408
23 730
-
-
Dividends
54 199
89 270
-
-
withholding
15 176
24 995
-
-
total
15 176
24 995
-
-
Income
113 000
113 000
113 000
113 000
Total tax
49 512
48 725
59 485
51 644
After tax
63 488
64 275
53 515
61 356
Living cost
24 465
24 465
24 465
24 465
Free-cash
39 023
39 810
29 050
36 891

Estimated living cost  is ₽24465 per week

₽18305
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1443
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽4309
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
₽100439
₽84581
₽106051
₽101531
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%.

-
-
-
113 000
microenterprise

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

-
-
-
1 130
total
-
-
-
1 130
Employee
7 274
-
113 000
-
income
1 455
-
22 600
-
total
1 455
-
22 600
-
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%.

105 726
113 000
-
-
total
-
-
-
-
Dividends
105 726
113 000
-
-
withholding
5 287
5 650
-
-
total
5 287
5 650
-
-
Income
113 000
113 000
113 000
113 000
Total tax
6 742
5 650
22 600
1 130
After tax
106 258
107 350
90 400
111 870
Living cost
5 819
5 819
5 819
5 819
Free-cash
100 439
101 531
84 581
106 051

Estimated living cost  is ₽5819 per week

₽3606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽484
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽160
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.
₽1569
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
₽50354
₽32514
₽35506
₽56879
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.

-
-
-
113 000
pensions
-
-
-
20 636
unemployment
-
-
-
170
income
-
-
-
24 647
health
-
-
-
11 120
total
-
-
-
56 573
Employee

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

34 491
-
97 777
-
health
2 228
-
6 316
-
unemployment
49
-
136
-
pensions
5 346
-
15 155
-
income
5 948
-
22 735
-
total
13 571
-
44 342
-
Employer

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

34 491
-
97 777
-
health
2 297
-
6 511
-
pensions
3 052
-
8 653
-
unemployment
21
-
59
-
total
5 370
-
15 223
-
Corporate
73 139
113 000
-
-
income
13 897
21 470
-
-
total
13 897
21 470
-
-
Dividends
59 242
91 530
-
-
withholding
8 887
13 730
-
-
total
8 887
13 730
-
-
Income
113 000
113 000
113 000
113 000
Total tax
41 725
35 200
59 565
56 573
After tax
71 275
77 800
53 435
56 427
Living cost
20 921
20 921
20 921
20 921
Free-cash
50 354
56 879
32 514
35 506

Estimated living cost  is ₽20921 per week

₽14358
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1341
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
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.
₽4818
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
₽43742
₽53521
₽57506
₽41016
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.

-
-
-
113 000
income
-
-
-
22 202
health

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

-
-
-
4 979
total
-
-
-
27 181
Employee
35 781
-
109 412
-
social contributions
3 585
-
3 588
-
income
3 882
-
23 990
-
total
7 467
-
27 578
-
Employer
35 781
-
109 412
-
social contributions
3 585
-
3 588
-
total
3 585
-
3 588
-
Corporate
73 634
113 000
-
-
income
25 772
39 550
-
-
total
25 772
39 550
-
-
Dividends
47 862
73 450
-
-
social contributions
4 121
4 121
-
-
total
4 121
4 121
-
-
Income
113 000
113 000
113 000
113 000
Total tax
40 945
43 671
31 166
27 181
After tax
72 055
69 329
81 834
85 819
Living cost
28 313
28 313
28 313
28 313
Free-cash
43 742
41 016
53 521
57 506

Estimated living cost  is ₽28313 per week

₽18650
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2232
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.
₽6997
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
₽52805
₽54416
₽56029
₽52400
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
-
-
-
113 000
income
-
-
-
16 951
health
-
-
-
7 888
social contributions
-
-
-
15 593
total
-
-
-
40 432
Employee
26 446
-
113 000
-
health
1 846
-
7 888
-
income
4 411
-
18 564
-
social contributions
3 650
-
15 593
-
total
9 907
-
42 045
-
Employer
26 446
-
113 000
-
total
-
-
-
-
Corporate
86 554
113 000
-
-
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%.

4 328
5 650
-
-
total
4 328
5 650
-
-
Dividends
82 226
107 350
-
-
social contributions
11 347
14 815
-
-
withholding
12 334
16 103
-
-
health
5 740
7 493
-
-
total
29 421
38 411
-
-
Income
113 000
113 000
113 000
113 000
Total tax
43 656
44 061
42 045
40 432
After tax
69 344
68 939
70 955
72 568
Living cost
16 539
16 539
16 539
16 539
Free-cash
52 805
52 400
54 416
56 029

Estimated living cost  is ₽16539 per week

₽11069
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1020
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4069
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
₽48160
₽35497
₽39551
₽55954
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
-
-
-
113 000
income
-
-
-
10 835
health
-
-
-
15 255
social contributions
-
-
-
25 512
solidarity contribution
-
-
-
-
total
-
-
-
51 602
Employee
32 129
-
84 328
-
health
4 337
-
11 384
-
solidarity contribution
-
-
-
-
income
3 855
-
10 119
-
social contributions
2 088
-
5 481
-
total
10 280
-
26 984
-
Employer
32 129
-
84 328
-
health
2 892
-
7 590
-
social contributions
8 032
-
21 082
-
total
10 924
-
28 672
-
Corporate
69 948
113 000
-
-
income
13 290
21 470
-
-
total
13 290
21 470
-
-
Dividends
56 658
91 530
-
-
withholding
8 499
13 729
-
-
total
8 499
13 729
-
-
Income
113 000
113 000
113 000
113 000
Total tax
42 993
35 199
55 656
51 602
After tax
70 007
77 801
57 344
61 398
Living cost
21 847
21 847
21 847
21 847
Free-cash
48 160
55 954
35 497
39 551

Estimated living cost  is ₽21847 per week

₽16247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4012
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽96582
₽81332
₽102802
₽98282
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%.

-
-
-
113 000
microenterprise

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

-
-
-
1 130
total
-
-
-
1 130
Employee
11 335
-
113 000
-
income
2 267
-
22 600
-
total
2 267
-
22 600
-
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%.

101 665
113 000
-
-
total
-
-
-
-
Dividends
101 665
113 000
-
-
withholding
5 083
5 650
-
-
total
5 083
5 650
-
-
Income
113 000
113 000
113 000
113 000
Total tax
7 350
5 650
22 600
1 130
After tax
105 650
107 350
90 400
111 870
Living cost
9 068
9 068
9 068
9 068
Free-cash
96 582
98 282
81 332
102 802

Estimated living cost  is ₽9068 per week

₽6136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽381
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽2247
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
₽24641
₽27157
₽26401
₽19279
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
-
-
-
113 000
income
-
-
-
15 713
other
-
-
-
3 504
health
-
-
-
4 017
social contributions
-
-
-
3 219
pensions
-
-
-
22 474
surtax
-
-
-
-
total
-
-
-
48 927
Employee
48 852
-
88 924
-
pensions
5 525
-
5 573
-
income
4 262
-
15 987
-
social contributions
1 391
-
2 534
-
surtax
-
-
-
-
total
11 178
-
24 094
-
Employer
48 852
-
88 924
-
health
3 419
-
7 507
-
social contributions
147
-
266
-
pensions
8 027
-
9 493
-
unemployment
1 979
-
3 601
-
other
1 686
-
3 210
-
total
15 258
-
24 077
-
Corporate
48 891
113 000
-
-
income
13 690
31 640
-
-
surtax
-
-
-
-
total
13 690
31 640
-
-
Dividends
35 201
81 360
-
-
social contributions
6 055
13 995
-
-
surtax
-
-
-
-
withholding
4 506
10 414
-
-
total
10 561
24 409
-
-
Income
113 000
113 000
113 000
113 000
Total tax
50 687
56 049
48 171
48 927
After tax
62 313
56 951
64 829
64 073
Living cost
37 672
37 672
37 672
37 672
Free-cash
24 641
19 279
27 157
26 401

Estimated living cost  is ₽37672 per week

₽25496
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3082
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽8577
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
₽64377
₽52844
₽52843
₽68202
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.

-
-
-
113 000
pensions
-
-
-
14 934
unemployment
-
-
-
862
income
-
-
-
25 004
health
-
-
-
5 916
total
-
-
-
46 716
Employee

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

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

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

20 268
-
102 719
-
health
1 044
-
2 958
-
unemployment
152
-
431
-
pensions
2 837
-
8 041
-
income
2 794
-
25 004
-
total
6 827
-
36 434
-
Employer

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

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

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

20 268
-
102 719
-
health
1 044
-
2 958
-
pensions
2 432
-
6 892
-
unemployment
152
-
431
-
total
3 628
-
10 281
-
Corporate
89 104
113 000
-
-
income
13 366
16 950
-
-
total
13 366
16 950
-
-
Dividends
75 739
96 050
-
-
withholding
11 361
14 407
-
-
total
11 361
14 407
-
-
Income
113 000
113 000
113 000
113 000
Total tax
35 182
31 357
46 715
46 716
After tax
77 818
81 643
66 285
66 284
Living cost
13 441
13 441
13 441
13 441
Free-cash
64 377
68 202
52 844
52 843

Estimated living cost  is ₽13441 per week

₽9050
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1040
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽389
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.
₽2962
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
₽21013
₽33017
₽38497
-₽1912
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
-
-
-
113 000
pensions
-
-
-
10 396
city
-
-
-
1 190
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.

-
-
-
2 260
health
-
-
-
255
regional
-
-
-
5 290
national
-
-
-
1 528
total
-
-
-
20 919
Employee
62 707
-
101 142
-
health
142
-
227
-
unemployment
-
-
-
-
city
673
-
1 087
-
pensions
5 268
-
8 495
-
regional
2 053
-
4 588
-
national
297
-
1 257
-
total
8 433
-
15 654
-
Employer
62 707
-
101 142
-
health
142
-
227
-
pensions
5 268
-
8 495
-
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.

1 254
-
2 023
-
total
6 664
-
10 745
-
Corporate
42 940
113 000
-
-
regional
9 082
23 900
-
-
national
3 650
9 605
-
-
total
12 732
33 505
-
-
Dividends
30 208
79 496
-
-
withholding
10 574
27 823
-
-
total
10 574
27 823
-
-
Income
113 000
113 000
113 000
113 000
Total tax
38 403
61 328
26 399
20 919
After tax
74 597
51 672
86 601
92 081
Living cost
53 584
53 584
53 584
53 584
Free-cash
21 013
-1 912
33 017
38 497

Estimated living cost  is ₽53584 per week

₽34845
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4809
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
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.
₽13272
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
₽43693
₽30886
₽46377
₽42378
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

-
-
-
113 000
municipal
-
-
-
20 086
health
-
-
-
1 415
national
-
-
-
15 177
total
-
-
-
36 678
Employee
41 036
-
95 062
-
health
306
-
1 138
-
unemployment
616
-
1 425
-
pensions
2 769
-
6 416
-
national
678
-
9 758
-
municipal
6 721
-
15 494
-
total
11 090
-
34 231
-
Employer
41 036
-
95 062
-
health
315
-
733
-
pensions
7 120
-
16 493
-
accident
41
-
95
-
unemployment
266
-
617
-
total
7 742
-
17 938
-
Corporate
64 221
113 000
-
-
income
12 845
22 600
-
-
total
12 845
22 600
-
-
Dividends

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

38 532
67 800
-
-
municipal
6 936
12 204
-
-
national
749
5 873
-
-
total
7 685
18 077
-
-
Income
113 000
113 000
113 000
113 000
Total tax
39 362
40 677
52 169
36 678
After tax
73 638
72 323
60 831
76 322
Living cost
29 945
29 945
29 945
29 945
Free-cash
43 693
42 378
30 886
46 377

Estimated living cost  is ₽29945 per week

₽19560
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2880
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.
₽7029
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
₽23112
₽12707
₽21155
₽34809
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
-
-
-
113 000
communal

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

-
-
-
5 718
social contributions
-
-
-
17 713
national
-
-
-
39 975
total
-
-
-
63 406
Employee

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

55 792
-
87 522
-
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.

2 621
-
4 113
-
communal

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

2 910
-
4 565
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

485
-
761
-
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.

4 184
-
6 564
-
national
17 153
-
30 373
-
total
27 353
-
46 376
-
Employer

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

55 792
-
87 522
-
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.

3 431
-
5 383
-
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.

4 944
-
7 755
-
surtax
6 326
-
9 926
-
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.

725
-
1 137
-
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.

814
-
1 277
-
total
16 240
-
25 478
-
Corporate
40 967
113 000
-
-
income
8 194
22 600
-
-
surtax
164
451
-
-
total
8 358
23 051
-
-
Dividends
32 609
89 948
-
-
withholding

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

9 498
26 701
-
-
total
9 498
26 701
-
-
Income
113 000
113 000
113 000
113 000
Total tax
61 449
49 752
71 854
63 406
After tax
51 551
63 248
41 146
49 594
Living cost
28 439
28 439
28 439
28 439
Free-cash
23 112
34 809
12 707
21 155

Estimated living cost  is ₽28439 per week

₽18318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2487
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7189
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
₽27308
₽25367
₽26273
₽28064
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
-
-
-
113 000
unemployment
-
-
-
74
municipal
-
-
-
27 328
other
-
-
-
8 566
health
-
-
-
4 600
national
-
-
-
4 409
accident
-
-
-
147
pensions
-
-
-
7 969
total
-
-
-
53 093
Employee
47 926
-
89 839
-
national
-
-
4 048
-
municipal
14 292
-
26 790
-
total
14 292
-
30 838
-
Employer
47 926
-
89 839
-
health
2 947
-
4 533
-
pensions
5 181
-
7 969
-
accident
96
-
147
-
unemployment
1 265
-
1 946
-
other
5 569
-
8 566
-
total
15 058
-
23 161
-
Corporate
50 016
113 000
-
-
income
11 004
24 860
-
-
total
11 004
24 860
-
-
Dividends
39 012
88 140
-
-
withholding
11 704
26 442
-
-
total
11 704
26 442
-
-
Income
113 000
113 000
113 000
113 000
Total tax
52 058
51 302
53 999
53 093
After tax
60 942
61 698
59 001
59 907
Living cost
33 634
33 634
33 634
33 634
Free-cash
27 308
28 064
25 367
26 273

Estimated living cost  is ₽33634 per week

₽22292
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3300
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.
₽7532
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
-₽15123
₽64619
₽41015
₽31672
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
-
-
-
113 000
income
-
-
-
22 026
social contributions
-
-
-
12 882
total
-
-
-
34 908
Employee
53 163
-
-
-
income
11 727
-
-
-
social contributions
4 359
-
621
-
total
16 086
-
621
-
Employer
53 163
-
-
-
social contributions
74 960
-
10 683
-
total
74 960
-
10 683
-
Corporate
-
113 000
-
-
income
-
24 860
-
-
total
-
24 860
-
-
Dividends
-
88 140
-
-
income
-
19 391
-
-
total
-
19 391
-
-
Income
113 000
113 000
113 000
113 000
Total tax
91 046
44 251
11 304
34 908
After tax
21 954
68 749
101 696
78 092
Living cost
37 077
37 077
37 077
37 077
Free-cash
-15 123
31 672
64 619
41 015

Estimated living cost  is ₽37077 per week

₽24057
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3487
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.
₽9060
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
₽53980
₽52097
₽53157
₽57214
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
-
-
-
113 000
income
-
-
-
19 042
health
-
-
-
2 882
social contributions
-
-
-
12 620
total
-
-
-
34 544
Employee
59 977
59 977
104 356
-
health
597
1 020
1 775
-
income
6 298
5 552
18 471
-
social contributions
2 914
4 978
6 714
-
total
9 809
11 550
26 960
-
Employer
59 977
59 977
104 356
-
health
650
1 110
1 930
-
social contributions
2 914
4 978
6 714
-
total
3 564
6 088
8 644
-
Corporate
74 328
46 936
-
-
income
9 291
5 867
-
-
total
9 291
5 867
-
-
Dividends
65 037
41 068
-
-
withholding
11 057
6 982
-
-
total
11 057
6 982
-
-
Income
113 000
113 000
113 000
113 000
Total tax
33 721
30 487
35 604
34 544
After tax
79 279
82 513
77 396
78 456
Living cost
25 299
25 299
25 299
25 299
Free-cash
53 980
57 214
52 097
53 157

Estimated living cost  is ₽25299 per week

₽17294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1976
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5604
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
₽52388
₽38069
₽48406
₽48091
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
-
-
-
113 000
income
-
-
-
30 184
pensions
-
-
-
6 390
total
-
-
-
36 574
Employee
38 461
-
98 896
-
health
502
-
1 510
-
pensions
2 936
-
8 004
-
income
7 004
-
23 293
-
total
10 442
-
32 807
-
Employer
38 461
-
98 896
-
health
731
-
1 879
-
pensions
3 886
-
12 225
-
total
4 617
-
14 104
-
Corporate
69 922
113 000
-
-
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.

13 285
21 471
-
-
total
13 285
21 471
-
-
Dividends
56 637
91 529
-
-
withholding
4 248
15 418
-
-
total
4 248
15 418
-
-
Income
113 000
113 000
113 000
113 000
Total tax
32 592
36 889
46 911
36 574
After tax
80 408
76 111
66 089
76 426
Living cost
28 020
28 020
28 020
28 020
Free-cash
52 388
48 091
38 069
48 406

Estimated living cost  is ₽28020 per week

₽19221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2577
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5869
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
₽24903
₽17914
₽23024
₽28449
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
-
-
-
113 000
municipal
-
-
-
755
regional
-
-
-
2 561
social contributions
-
-
-
29 064
national
-
-
-
26 524
total
-
-
-
58 904
Employee
65 726
-
113 000
-
social contributions
22 162
-
38 104
-
regional
992
-
2 224
-
national
11 107
-
23 013
-
municipal
392
-
673
-
total
34 653
-
64 014
-
Employer
65 726
-
113 000
-
total
-
-
-
-
Corporate
47 274
113 000
-
-
nationa
11 345
27 119
-
-
municipal
2 278
5 447
-
-
total
13 623
32 566
-
-
Dividends
33 651
80 434
-
-
withholding
8 749
20 913
-
-
total
8 749
20 913
-
-
Income
113 000
113 000
113 000
113 000
Total tax
57 025
53 479
64 014
58 904
After tax
55 975
59 521
48 986
54 096
Living cost
31 072
31 072
31 072
31 072
Free-cash
24 903
28 449
17 914
23 024

Estimated living cost  is ₽31072 per week

₽21826
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2137
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6638
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
₽6571
₽43776
₽60489
-₽7684
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
-
-
-
113 000
pensions
-
-
-
3 184
income
-
-
-
30 344
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
35 674
Employee
26 486
-
100 430
-
health
3 033
-
11 499
-
pensions
2 982
-
5 839
-
income
3 634
-
22 479
-
total
9 649
-
39 817
-
Employer
26 486
-
100 430
-
pensions
4 307
-
8 432
-
accident
442
-
1 677
-
unemployment
649
-
2 461
-
total
5 398
-
12 570
-
Corporate
81 116
113 000
-
-
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.

73 004
101 700
-
-
total
73 004
101 700
-
-
Dividends
8 112
11 300
-
-
withholding
1 541
2 147
-
-
total
1 541
2 147
-
-
Income
113 000
113 000
113 000
113 000
Total tax
89 592
103 847
52 387
35 674
After tax
23 408
9 153
60 613
77 326
Living cost
16 837
16 837
16 837
16 837
Free-cash
6 571
-7 684
43 776
60 489

Estimated living cost  is ₽16837 per week

₽12340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3213
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
₽38285
₽43562
₽32550
₽28084
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.

-
-
-
113 000
trade
-
-
-
11 012
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.

-
-
-
32 224
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.

-
-
-
5 329
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.

-
-
-
1 772
total
-
-
-
50 337
Employee

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

38 809
-
113 000
-
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.

5 329
-
5 329
-
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.

3 191
-
32 224
-
surtax

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

176
-
1 772
-
total
8 696
-
39 325
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
74 191
113 000
-
-
income
11 129
16 951
-
-
trade
10 647
16 215
-
-
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.

613
932
-
-
chamber of commerce
226
284
-
-
total
22 615
34 382
-
-
Dividends
51 576
78 617
-
-
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.

693
1 064
-
-
withholding
12 598
19 357
-
-
total
13 291
20 421
-
-
Income
113 000
113 000
113 000
113 000
Total tax
44 602
54 803
39 325
50 337
After tax
68 398
58 197
73 675
62 663
Living cost
30 113
30 113
30 113
30 113
Free-cash
38 285
28 084
43 562
32 550

Estimated living cost  is ₽30113 per week

₽20772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽5663
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
₽67776
₽53043
₽19845
₽74173
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.

-
-
-
113 000
income
-
-
-
18 228
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.

-
-
-
29 884
surtax
-
-
-
28 816
total
-
-
-
76 928
Employee
22 791
-
80 305
-
income
4 057
-
15 550
-
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.

2 507
-
8 834
-
surtax
-
-
-
-
total
6 564
-
24 384
-
Employer
22 791
-
80 305
-
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.

5 490
-
19 346
-
surtax
-
-
-
-
total
5 490
-
19 346
-
Corporate
84 719
113 000
-
-
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%.

16 943
22 600
-
-
total
16 943
22 600
-
-
Dividends

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

67 775
90 400
-
-
total
-
-
-
-
Income
113 000
113 000
113 000
113 000
Total tax
28 997
22 600
43 730
76 928
After tax
84 003
90 400
69 270
36 072
Living cost
16 227
16 227
16 227
16 227
Free-cash
67 776
74 173
53 043
19 845

Estimated living cost  is ₽16227 per week

₽10352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽369
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.
₽3961
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
₽59010
₽57067
₽57769
₽60633
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
-
-
-
113 000
income
-
-
-
32 921
health
-
-
-
5 225
pensions
-
-
-
7 206
total
-
-
-
45 352
Employee
15 047
-
104 893
-
health
752
-
1 802
-
unemployment
151
-
360
-
pensions
1 354
-
3 243
-
income
2 911
-
32 542
-
total
5 168
-
37 947
-
Employer
15 047
-
104 893
-
health
1 430
-
3 423
-
pensions
1 655
-
3 963
-
unemployment
301
-
721
-
total
3 386
-
8 107
-
Corporate
94 567
113 000
-
-
income
20 805
24 860
-
-
total
20 805
24 860
-
-
Dividends
73 762
88 140
-
-
withholding
14 752
17 628
-
-
total
14 752
17 628
-
-
Income
113 000
113 000
113 000
113 000
Total tax
44 111
42 488
46 054
45 352
After tax
68 889
70 512
66 946
67 648
Living cost
9 879
9 879
9 879
9 879
Free-cash
59 010
60 633
57 067
57 769

Estimated living cost  is ₽9879 per week

₽5871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽226
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.
₽2981
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
₽51077
₽33078
₽36103
₽53558
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
-
-
-
113 000
pensions
-
-
-
20 820
unemployment
-
-
-
178
income
-
-
-
27 122
other
-
-
-
-
health
-
-
-
7 390
surtax
-
-
-
3 868
total
-
-
-
59 378
Employee
26 267
-
93 349
-
health
671
-
2 380
-
unemployment
1 828
-
6 496
-
pensions
1 753
-
6 227
-
income
4 403
-
24 258
-
other
-
-
-
-
surtax
93
-
3 391
-
total
8 748
-
42 752
-
Employer
26 267
-
93 349
-
health
1 194
-
4 248
-
pensions
3 502
-
12 444
-
unemployment
833
-
2 959
-
other
-
-
-
-
total
5 529
-
19 651
-
Corporate
81 203
113 000
-
-
income
21 113
29 380
-
-
total
21 113
29 380
-
-
Dividends
60 090
83 620
-
-
withholding
9 014
12 543
-
-
total
9 014
12 543
-
-
Income
113 000
113 000
113 000
113 000
Total tax
44 404
41 923
62 403
59 378
After tax
68 596
71 077
50 597
53 622
Living cost
17 519
17 519
17 519
17 519
Free-cash
51 077
53 558
33 078
36 103

Estimated living cost  is ₽17519 per week

₽10577
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5013
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
₽37569
₽4921
₽32935
₽37957
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
-
-
-
113 000
pensions
-
-
-
16 857
chamber of commerce
-
-
-