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
₽ 113500
per

Your estimated
City
free-cash

Valencia , Spain
₽34394
₽38676
₽51687
₽47257
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
-
-
-
113 500
income
-
-
-
25 566
accident
-
-
-
744
unemployment
-
-
-
578
pensions
-
-
-
23 361
other
-
-
-
83
total
-
-
-
50 332
Employee
32 932
-
87 182
-
other
32
-
83
-
income
6 349
-
23 053
-
unemployment
510
-
1 279
-
pensions
1 548
-
3 881
-
total
8 439
-
28 296
-
Employer
32 932
-
87 182
-
unemployment
1 812
-
4 540
-
pensions
7 771
-
19 483
-
other
264
-
661
-
accident
652
-
1 634
-
total
10 499
-
26 318
-
Corporate
70 068
113 500
-
-
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.

10 509
17 025
-
-
total
10 509
17 025
-
-
Dividends
59 559
96 475
-
-
withholding
12 304
20 296
-
-
total
12 304
20 296
-
-
Income
113 500
113 500
113 500
113 500
Total tax
41 751
37 321
54 614
50 332
After tax
71 749
76 179
58 886
63 168
Living cost
24 492
24 492
24 492
24 492
Free-cash
47 257
51 687
34 394
38 676

Estimated living cost  is ₽24492 per week

₽16532
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2354
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5177
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
₽41639
₽36942
₽59656
₽53641
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
-
-
-
113 500
income
-
-
-
15 200
health
-
-
-
4 994
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.

-
-
-
27 240
other
-
-
-
5 392
total
-
-
-
52 826
Employee
32 338
-
90 656
-
income
5 567
-
16 765
-
health
453
-
1 269
-
unemployment
323
-
906
-
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.

2 263
-
6 345
-
total
8 606
-
25 285
-
Employer
32 338
-
90 656
-
unemployment
323
-
906
-
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.

5 498
-
15 411
-
other
1 617
-
4 533
-
accident
259
-
725
-
health
453
-
1 269
-
total
8 150
-
22 844
-
Corporate
73 012
113 500
-
-
income
15 333
23 835
-
-
total
15 333
23 835
-
-
Dividends
57 678
89 665
-
-
withholding
4 038
6 277
-
-
total
4 038
6 277
-
-
Income
113 500
113 500
113 500
113 500
Total tax
36 127
30 112
48 129
52 826
After tax
77 373
83 388
65 371
60 674
Living cost
23 732
23 732
23 732
23 732
Free-cash
53 641
59 656
41 639
36 942

Estimated living cost  is ₽23732 per week

₽16768
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4979
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
₽80505
₽76519
₽85381
₽81249
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
-
-
-
113 500
income
-
-
-
17 025
health
-
-
-
3 573
unemployment
-
-
-
124
pensions

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

-
-
-
4 598
total
-
-
-
25 320
Employee
15 441
-
107 405
-
income
1 544
-
10 740
-
health
710
-
1 429
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

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

1 356
-
2 728
-
total
3 780
-
15 239
-
Employer
15 441
-
107 405
-
unemployment
92
-
186
-
pensions

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

1 702
-
3 423
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 066
-
2 144
-
total
3 030
-
6 095
-
Corporate
95 030
113 500
-
-
income
9 503
11 350
-
-
total
9 503
11 350
-
-
Dividends
85 527
102 150
-
-
withholding
4 277
5 108
-
-
total
4 277
5 108
-
-
Income
113 500
113 500
113 500
113 500
Total tax
20 590
16 458
21 334
25 320
After tax
92 910
97 042
92 166
88 180
Living cost
11 661
11 661
11 661
11 661
Free-cash
81 249
85 381
80 505
76 519

Estimated living cost  is ₽11661 per week

₽6808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
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.
₽3712
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
₽36748
₽34191
₽26733
₽31992
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
-
-
-
113 500
income
-
-
-
14 266
social contributions
-
-
-
3 233
health
-
-
-
3 445
surtax
-
-
-
-
pensions
-
-
-
24 374
other
-
-
-
3 519
total
-
-
-
48 837
Employee
38 118
-
90 341
-
income
2 250
-
15 314
-
social contributions
1 087
-
2 574
-
surtax
-
-
-
-
pensions
4 310
-
5 233
-
total
7 647
-
23 121
-
Employer
38 118
-
90 341
-
unemployment
1 543
-
3 659
-
social contributions
115
-
270
-
pensions
6 262
-
8 996
-
other
1 315
-
3 117
-
health
2 669
-
7 117
-
total
11 904
-
23 159
-
Corporate
63 478
113 500
-
-
income
17 774
31 780
-
-
surtax
-
-
-
-
total
17 774
31 780
-
-
Dividends
45 704
81 720
-
-
withholding
5 850
10 460
-
-
surtax
-
-
-
-
social contributions
7 861
14 055
-
-
total
13 711
24 515
-
-
Income
113 500
113 500
113 500
113 500
Total tax
51 036
56 295
46 280
48 837
After tax
62 464
57 205
67 220
64 663
Living cost
30 472
30 472
30 472
30 472
Free-cash
31 992
26 733
36 748
34 191

Estimated living cost  is ₽30472 per week

₽19214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8263
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
₽25771
₽28058
₽18237
₽12781
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
-
-
-
113 500
income
-
-
-
26 714
health
-
-
-
10 983
pensions
-
-
-
10 435
total
-
-
-
48 132
Employee
76 057
76 057
96 948
-
income

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

12 449
12 449
12 449
-
health
11 674
9 930
10 983
-
pensions
13 690
10 435
10 435
-
total
37 813
32 814
33 867
-
Employer
76 057
76 057
96 948
-
unemployment
2 738
2 738
3 402
-
pensions
5 294
5 294
6 580
-
health
5 287
5 287
6 570
-
total
13 319
13 319
16 552
-
Corporate
25 057
24 124
-
-
income
5 011
4 825
-
-
total
5 011
4 825
-
-
Dividends
20 046
19 299
-
-
withholding
3 007
2 895
-
-
income
4 259
4 100
-
-
total
7 266
6 995
-
-
Income
113 500
113 500
113 500
113 500
Total tax
63 409
57 953
50 419
48 132
After tax
50 091
55 547
63 081
65 368
Living cost
37 310
37 310
37 310
37 310
Free-cash
12 781
18 237
25 771
28 058

Estimated living cost  is ₽37310 per week

₽26441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6913
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
₽48500
₽37145
₽30340
₽40189
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.

-
-
-
113 500
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.

-
-
-
30 273
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 085
trade
-
-
-
11 355
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.

-
-
-
1 665
total
-
-
-
49 378
Employee

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

34 065
-
113 500
-
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.

952
-
30 273
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 085
-
6 085
-
surtax

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

52
-
1 665
-
total
7 089
-
38 023
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
79 435
113 500
-
-
chamber of commerce
250
297
-
-
income
11 916
17 025
-
-
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.

656
936
-
-
trade
12 511
17 877
-
-
total
25 333
36 135
-
-
Dividends
54 102
77 364
-
-
withholding
13 187
19 003
-
-
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.

725
1 045
-
-
total
13 912
20 048
-
-
Income
113 500
113 500
113 500
113 500
Total tax
46 334
56 183
38 023
49 378
After tax
67 166
57 317
75 477
64 122
Living cost
26 977
26 977
26 977
26 977
Free-cash
40 189
30 340
48 500
37 145

Estimated living cost  is ₽26977 per week

₽16969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6358
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
₽57665
₽58868
₽62318
₽57472
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
-
-
-
113 500
income
-
-
-
16 707
social contributions
-
-
-
14 410
health
-
-
-
2 894
total
-
-
-
34 011
Employee
68 486
68 486
103 912
-
income
7 457
6 340
16 192
-
social contributions
2 589
5 684
7 667
-
health
531
1 165
1 766
-
total
10 577
13 189
25 625
-
Employer
68 486
68 486
103 912
-
social contributions
2 589
5 684
7 667
-
health
576
1 268
1 922
-
total
3 165
6 952
9 589
-
Corporate
79 136
38 062
-
-
income
9 893
4 758
-
-
total
9 893
4 758
-
-
Dividends
69 244
33 304
-
-
withholding
11 772
5 662
-
-
total
11 772
5 662
-
-
Income
113 500
113 500
113 500
113 500
Total tax
35 407
30 561
35 214
34 011
After tax
78 093
82 939
78 286
79 489
Living cost
20 621
20 621
20 621
20 621
Free-cash
57 472
62 318
57 665
58 868

Estimated living cost  is ₽20621 per week

₽12358
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5784
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
₽27026
₽34302
₽36622
₽35725
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.

-
-
-
113 500
income
-
-
-
11 819
social contributions

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

-
-
-
39 442
surtax
-
-
-
-
total
-
-
-
51 261
Employee
40 963
-
91 717
-
income
8 520
-
26 665
-
social contributions
4 506
-
10 089
-
surtax
-
-
-
-
total
13 026
-
36 754
-
Employer
40 963
-
91 717
-
social contributions
9 729
-
21 783
-
total
9 729
-
21 783
-
Corporate
62 809
113 500
-
-
income
13 190
23 835
-
-
surtax
-
-
-
-
total
13 190
23 835
-
-
Dividends
49 619
89 665
-
-
withholding
13 893
25 106
-
-
total
13 893
25 106
-
-
Income
113 500
113 500
113 500
113 500
Total tax
49 838
48 941
58 537
51 261
After tax
63 662
64 559
54 963
62 239
Living cost
27 937
27 937
27 937
27 937
Free-cash
35 725
36 622
27 026
34 302

Estimated living cost  is ₽27937 per week

₽20902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4920
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
₽84459
₽106024
₽101484
₽100295
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%.

-
-
-
113 500
microenterprise

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

-
-
-
1 135
total
-
-
-
1 135
Employee
7 926
-
113 500
-
income
1 585
-
22 700
-
total
1 585
-
22 700
-
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%.

105 574
113 500
-
-
total
-
-
-
-
Dividends
105 574
113 500
-
-
withholding
5 279
5 675
-
-
total
5 279
5 675
-
-
Income
113 500
113 500
113 500
113 500
Total tax
6 864
5 675
22 700
1 135
After tax
106 636
107 825
90 800
112 365
Living cost
6 341
6 341
6 341
6 341
Free-cash
100 295
101 484
84 459
106 024

Estimated living cost  is ₽6341 per week

₽3930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
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.
₽1710
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
₽30509
₽33746
₽54256
₽46806
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.

-
-
-
113 500
income
-
-
-
23 797
health
-
-
-
11 169
unemployment
-
-
-
171
pensions
-
-
-
20 728
total
-
-
-
55 865
Employee

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

39 385
-
98 209
-
income
6 792
-
22 107
-
health
2 544
-
6 345
-
unemployment
56
-
137
-
pensions
6 105
-
15 222
-
total
15 497
-
43 811
-
Employer

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

39 385
-
98 209
-
unemployment
24
-
59
-
pensions
3 485
-
8 691
-
health
2 623
-
6 541
-
total
6 132
-
15 291
-
Corporate
67 984
113 500
-
-
income
12 916
21 565
-
-
total
12 916
21 565
-
-
Dividends
55 067
91 935
-
-
withholding
8 260
13 790
-
-
total
8 260
13 790
-
-
Income
113 500
113 500
113 500
113 500
Total tax
42 805
35 355
59 102
55 865
After tax
70 695
78 145
54 398
57 635
Living cost
23 889
23 889
23 889
23 889
Free-cash
46 806
54 256
30 509
33 746

Estimated living cost  is ₽23889 per week

₽16395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5501
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
₽51016
₽50048
₽36738
₽39851
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.

-
-
-
113 500
income
-
-
-
25 352
health

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

-
-
-
5 769
total
-
-
-
31 121
Employee
40 858
-
109 403
-
social contributions
4 094
-
4 097
-
income
4 433
-
21 959
-
total
8 527
-
26 056
-
Employer
40 858
-
109 403
-
social contributions
4 094
-
4 097
-
total
4 094
-
4 097
-
Corporate
68 549
113 500
-
-
income
23 992
39 726
-
-
total
23 992
39 726
-
-
Dividends
44 557
73 774
-
-
social contributions
4 705
4 705
-
-
total
4 705
4 705
-
-
Income
113 500
113 500
113 500
113 500
Total tax
41 318
44 431
30 153
31 121
After tax
72 182
69 069
83 347
82 379
Living cost
32 331
32 331
32 331
32 331
Free-cash
39 851
36 738
51 016
50 048

Estimated living cost  is ₽32331 per week

₽21296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7989
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
₽52937
₽54004
₽50359
₽50823
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
-
-
-
113 500
income
-
-
-
17 025
social contributions
-
-
-
15 663
health
-
-
-
7 922
total
-
-
-
40 610
Employee
30 198
-
113 500
-
income
5 037
-
18 092
-
social contributions
4 168
-
15 663
-
health
2 108
-
7 922
-
total
11 313
-
41 677
-
Employer
30 198
-
113 500
-
total
-
-
-
-
Corporate
83 302
113 500
-
-
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%.

4 165
5 676
-
-
total
4 165
5 676
-
-
Dividends
79 137
107 824
-
-
withholding
11 870
16 173
-
-
health
5 523
7 526
-
-
social contributions
10 920
14 880
-
-
total
28 313
38 579
-
-
Income
113 500
113 500
113 500
113 500
Total tax
43 791
44 255
41 677
40 610
After tax
69 709
69 245
71 823
72 890
Living cost
18 886
18 886
18 886
18 886
Free-cash
50 823
50 359
52 937
54 004

Estimated living cost  is ₽18886 per week

₽12639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
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.
₽4646
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
₽33372
₽35180
₽53920
₽45278
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
-
-
-
113 500
income
-
-
-
10 483
social contributions
-
-
-
28 289
solidarity contribution
-
-
-
-
health
-
-
-
15 323
total
-
-
-
54 095
Employee
35 625
-
84 701
-
solidarity contribution
-
-
-
-
income
4 275
-
10 164
-
social contributions
2 316
-
5 506
-
health
4 809
-
11 435
-
total
11 400
-
27 105
-
Employer
35 625
-
84 701
-
social contributions
8 906
-
21 175
-
health
3 206
-
7 623
-
total
12 112
-
28 798
-
Corporate
65 762
113 500
-
-
income
12 495
21 565
-
-
total
12 495
21 565
-
-
Dividends
53 267
91 935
-
-
withholding
7 990
13 790
-
-
total
7 990
13 790
-
-
Income
113 500
113 500
113 500
113 500
Total tax
43 997
35 355
55 903
54 095
After tax
69 503
78 145
57 597
59 405
Living cost
24 225
24 225
24 225
24 225
Free-cash
45 278
53 920
33 372
35 180

Estimated living cost  is ₽24225 per week

₽18015
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1342
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4449
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
₽80918
₽102483
₽97943
₽96090
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%.

-
-
-
113 500
microenterprise

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

-
-
-
1 135
total
-
-
-
1 135
Employee
12 352
-
113 500
-
income
2 471
-
22 700
-
total
2 471
-
22 700
-
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%.

101 148
113 500
-
-
total
-
-
-
-
Dividends
101 148
113 500
-
-
withholding
5 057
5 675
-
-
total
5 057
5 675
-
-
Income
113 500
113 500
113 500
113 500
Total tax
7 528
5 675
22 700
1 135
After tax
105 972
107 825
90 800
112 365
Living cost
9 882
9 882
9 882
9 882
Free-cash
96 090
97 943
80 918
102 483

Estimated living cost  is ₽9882 per week

₽6687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
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.
₽2448
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
₽24203
₽21646
₽14188
₽20312
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
-
-
-
113 500
income
-
-
-
14 266
social contributions
-
-
-
3 233
health
-
-
-
3 445
surtax
-
-
-
-
pensions
-
-
-
24 374
other
-
-
-
3 519
total
-
-
-
48 837
Employee
55 783
-
90 341
-
income
4 867
-
15 314
-
social contributions
1 589
-
2 574
-
surtax
-
-
-
-
pensions
6 309
-
5 233
-
total
12 765
-
23 121
-
Employer
55 783
-
90 341
-
unemployment
2 260
-
3 659
-
social contributions
167
-
270
-
pensions
9 166
-
8 996
-
other
1 925
-
3 117
-
health
3 904
-
7 117
-
total
17 422
-
23 159
-
Corporate
40 295
113 500
-
-
income
11 282
31 780
-
-
surtax
-
-
-
-
total
11 282
31 780
-
-
Dividends
29 013
81 720
-
-
withholding
3 713
10 460
-
-
surtax
-
-
-
-
social contributions
4 989
14 055
-
-
total
8 702
24 515
-
-
Income
113 500
113 500
113 500
113 500
Total tax
50 171
56 295
46 280
48 837
After tax
63 329
57 205
67 220
64 663
Living cost
43 017
43 017
43 017
43 017
Free-cash
20 312
14 188
24 203
21 646

Estimated living cost  is ₽43017 per week

₽29113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9795
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
₽48654
₽48651
₽66639
₽62267
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.

-
-
-
113 500
income
-
-
-
24 664
health
-
-
-
6 763
unemployment
-
-
-
985
pensions
-
-
-
17 072
total
-
-
-
49 484
Employee

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

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

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

23 169
-
101 747
-
income
3 194
-
24 664
-
health
1 193
-
3 381
-
unemployment
174
-
492
-
pensions
3 244
-
9 192
-
total
7 805
-
37 729
-
Employer

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

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

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

23 169
-
101 747
-
unemployment
174
-
492
-
pensions
2 780
-
7 879
-
health
1 193
-
3 381
-
total
4 147
-
11 752
-
Corporate
86 184
113 500
-
-
income
12 928
17 025
-
-
total
12 928
17 025
-
-
Dividends
73 256
96 475
-
-
withholding
10 988
14 471
-
-
total
10 988
14 471
-
-
Income
113 500
113 500
113 500
113 500
Total tax
35 868
31 496
49 481
49 484
After tax
77 632
82 004
64 019
64 016
Living cost
15 365
15 365
15 365
15 365
Free-cash
62 267
66 639
48 654
48 651

Estimated living cost  is ₽15365 per week

₽10345
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽3387
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
₽25433
₽30948
-₽10299
₽16313
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
-
-
-
113 500
regional
-
-
-
4 888
national
-
-
-
1 298
health
-
-
-
256
city
-
-
-
1 197
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.

-
-
-
2 270
pensions
-
-
-
10 443
total
-
-
-
20 352
Employee
72 790
-
101 587
-
regional
2 384
-
4 184
-
city
781
-
1 091
-
health
165
-
228
-
unemployment
-
-
-
-
national
345
-
1 036
-
pensions
6 115
-
8 534
-
total
9 790
-
15 073
-
Employer
72 790
-
101 587
-
unemployment
-
-
-
-
pensions
6 115
-
8 534
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 455
-
2 032
-
health
165
-
228
-
total
7 735
-
10 794
-
Corporate
32 175
113 500
-
-
regional
6 805
24 006
-
-
national
2 735
9 647
-
-
total
9 540
33 653
-
-
Dividends
22 634
79 847
-
-
withholding
7 922
27 946
-
-
total
7 922
27 946
-
-
Income
113 500
113 500
113 500
113 500
Total tax
34 987
61 599
25 867
20 352
After tax
78 513
51 901
87 633
93 148
Living cost
62 200
62 200
62 200
62 200
Free-cash
16 313
-10 299
25 433
30 948

Estimated living cost  is ₽62200 per week

₽40448
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽15407
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
₽28104
₽43668
₽39406
₽39702
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

-
-
-
113 500
municipal
-
-
-
20 182
national
-
-
-
14 080
health
-
-
-
1 376
total
-
-
-
35 638
Employee
46 859
-
95 483
-
health
350
-
1 099
-
unemployment
703
-
1 432
-
national
774
-
8 638
-
municipal
7 675
-
15 571
-
pensions
3 162
-
6 445
-
total
12 664
-
33 185
-
Employer
46 859
-
95 483
-
unemployment
304
-
620
-
pensions
8 130
-
16 567
-
accident
47
-
95
-
health
360
-
735
-
total
8 841
-
18 017
-
Corporate
57 800
113 500
-
-
income
11 561
22 701
-
-
total
11 561
22 701
-
-
Dividends

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

34 680
68 100
-
-
national
296
4 942
-
-
municipal
6 242
12 257
-
-
total
6 538
17 199
-
-
Income
113 500
113 500
113 500
113 500
Total tax
39 604
39 900
51 202
35 638
After tax
73 896
73 600
62 298
77 862
Living cost
34 194
34 194
34 194
34 194
Free-cash
39 702
39 406
28 104
43 668

Estimated living cost  is ₽34194 per week

₽22336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3289
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8027
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
₽9906
₽18292
₽31091
₽17734
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
-
-
-
113 500
national
-
-
-
38 980
social contributions
-
-
-
18 026
communal

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

-
-
-
5 728
total
-
-
-
62 734
Employee

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

63 708
-
87 911
-
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.

2 993
-
4 131
-
communal

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

3 323
-
4 585
-
unemployment

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

554
-
766
-
national
19 586
-
29 455
-
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.

4 778
-
6 593
-
total
31 234
-
45 530
-
Employer

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

63 708
-
87 911
-
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.

930
-
1 283
-
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.

5 645
-
7 788
-
surtax
7 224
-
9 969
-
accident

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

828
-
1 143
-
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.

3 918
-
5 407
-
total
18 545
-
25 590
-
Corporate
31 247
113 500
-
-
income
6 250
22 701
-
-
surtax
125
455
-
-
total
6 375
23 156
-
-
Dividends
24 872
90 345
-
-
withholding

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

7 138
26 779
-
-
total
7 138
26 779
-
-
Income
113 500
113 500
113 500
113 500
Total tax
63 292
49 935
71 120
62 734
After tax
50 208
63 565
42 380
50 766
Living cost
32 474
32 474
32 474
32 474
Free-cash
17 734
31 091
9 906
18 292

Estimated living cost  is ₽32474 per week

₽20917
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8209
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
₽23239
₽24215
₽25784
₽24972
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
-
-
-
113 500
municipal
-
-
-
26 994
national
-
-
-
3 128
health
-
-
-
4 949
accident
-
-
-
159
unemployment
-
-
-
79
pensions
-
-
-
8 573
other
-
-
-
9 216
total
-
-
-
53 098
Employee
51 564
-
88 581
-
national
-
-
2 739
-
municipal
15 376
-
26 415
-
total
15 376
-
29 154
-
Employer
51 564
-
88 581
-
unemployment
1 361
-
2 094
-
pensions
5 574
-
8 573
-
other
5 992
-
9 216
-
accident
103
-
159
-
health
3 171
-
4 878
-
total
16 201
-
24 920
-
Corporate
45 735
113 500
-
-
income
10 062
24 970
-
-
total
10 062
24 970
-
-
Dividends
35 673
88 530
-
-
withholding
10 702
26 559
-
-
total
10 702
26 559
-
-
Income
113 500
113 500
113 500
113 500
Total tax
52 341
51 529
54 074
53 098
After tax
61 159
61 971
59 426
60 402
Living cost
36 187
36 187
36 187
36 187
Free-cash
24 972
25 784
23 239
24 215

Estimated living cost  is ₽36187 per week

₽23984
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3551
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽8103
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
₽62960
₽39707
₽30322
-₽20339
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
-
-
-
113 500
income
-
-
-
22 123
social contributions
-
-
-
12 939
total
-
-
-
35 062
Employee
55 535
-
-
-
income
12 250
-
-
-
social contributions
4 554
-
649
-
total
16 804
-
649
-
Employer
55 535
-
-
-
social contributions
78 304
-
11 160
-
total
78 304
-
11 160
-
Corporate
-
113 500
-
-
income
-
24 970
-
-
total
-
24 970
-
-
Dividends
-
88 530
-
-
income
-
19 477
-
-
total
-
19 477
-
-
Income
113 500
113 500
113 500
113 500
Total tax
95 108
44 447
11 809
35 062
After tax
18 392
69 053
101 691
78 438
Living cost
38 731
38 731
38 731
38 731
Free-cash
-20 339
30 322
62 960
39 707

Estimated living cost  is ₽38731 per week

₽25130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3643
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9464
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
₽49398
₽50601
₽54051
₽50359
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
-
-
-
113 500
income
-
-
-
16 707
social contributions
-
-
-
14 410
health
-
-
-
2 894
total
-
-
-
34 011
Employee
68 486
68 486
103 912
-
income
7 192
6 340
16 192
-
social contributions
3 328
5 684
7 667
-
health
681
1 165
1 766
-
total
11 201
13 189
25 625
-
Employer
68 486
68 486
103 912
-
social contributions
3 328
5 684
7 667
-
health
742
1 268
1 922
-
total
4 070
6 952
9 589
-
Corporate
69 341
38 062
-
-
income
8 667
4 758
-
-
total
8 667
4 758
-
-
Dividends
60 674
33 304
-
-
withholding
10 315
5 662
-
-
total
10 315
5 662
-
-
Income
113 500
113 500
113 500
113 500
Total tax
34 253
30 561
35 214
34 011
After tax
79 247
82 939
78 286
79 489
Living cost
28 888
28 888
28 888
28 888
Free-cash
50 359
54 051
49 398
50 601

Estimated living cost  is ₽28888 per week

₽19748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6399
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
₽35633
₽46118
₽46407
₽48145
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
-
-
-
113 500
income
-
-
-
28 362
pensions
-
-
-
6 991
total
-
-
-
35 353
Employee
43 964
-
99 502
-
income
8 006
-
21 371
-
health
573
-
1 592
-
pensions
3 356
-
8 878
-
total
11 935
-
31 841
-
Employer
43 964
-
99 502
-
pensions
4 442
-
12 106
-
health
836
-
1 891
-
total
5 278
-
13 997
-
Corporate
64 259
113 500
-
-
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.

12 209
21 565
-
-
total
12 209
21 565
-
-
Dividends
52 050
91 935
-
-
withholding
3 904
13 499
-
-
total
3 904
13 499
-
-
Income
113 500
113 500
113 500
113 500
Total tax
33 326
35 064
45 838
35 353
After tax
80 174
78 436
67 662
78 147
Living cost
32 029
32 029
32 029
32 029
Free-cash
48 145
46 407
35 633
46 118

Estimated living cost  is ₽32029 per week

₽21971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6709
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
₽14568
₽19758
₽24303
₽20252
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
-
-
-
113 500
municipal
-
-
-
759
regional
-
-
-
2 492
national
-
-
-
25 817
social contributions
-
-
-
29 193
total
-
-
-
58 261
Employee
75 051
-
113 500
-
regional
1 133
-
2 135
-
social contributions
25 307
-
38 272
-
national
12 683
-
22 366
-
municipal
448
-
678
-
total
39 571
-
63 451
-
Employer
75 051
-
113 500
-
total
-
-
-
-
Corporate
38 449
113 500
-
-
nationa
9 228
27 240
-
-
municipal
1 852
5 471
-
-
total
11 080
32 711
-
-
Dividends
27 368
80 789
-
-
withholding
7 116
21 005
-
-
total
7 116
21 005
-
-
Income
113 500
113 500
113 500
113 500
Total tax
57 767
53 716
63 451
58 261
After tax
55 733
59 784
50 049
55 239
Living cost
35 481
35 481
35 481
35 481
Free-cash
20 252
24 303
14 568
19 758

Estimated living cost  is ₽35481 per week

₽24923
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7580
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
₽41849
₽59148
-₽9374
₽6345
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
-
-
-
113 500
income
-
-
-
29 906
health
-
-
-
1 841
accident
-
-
-
213
pensions
-
-
-
3 512
other
-
-
-
313
total
-
-
-
35 785
Employee
29 207
-
100 079
-
income
4 007
-
21 765
-
health
3 344
-
11 459
-
pensions
3 289
-
6 439
-
total
10 640
-
39 663
-
Employer
29 207
-
100 079
-
unemployment
716
-
2 452
-
pensions
4 749
-
9 298
-
accident
488
-
1 671
-
total
5 953
-
13 421
-
Corporate
78 341
113 500
-
-
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.

70 507
102 150
-
-
total
70 507
102 150
-
-
Dividends
7 834
11 350
-
-
withholding
1 488
2 157
-
-
total
1 488
2 157
-
-
Income
113 500
113 500
113 500
113 500
Total tax
88 588
104 307
53 084
35 785
After tax
24 912
9 193
60 416
77 715
Living cost
18 567
18 567
18 567
18 567
Free-cash
6 345
-9 374
41 849
59 148

Estimated living cost  is ₽18567 per week

₽13608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1029
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽3543
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
₽41092
₽30746
₽24101
₽35750
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.

-
-
-
113 500
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.

-
-
-
30 273
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 085
trade
-
-
-
10 346
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.

-
-
-
1 665
total
-
-
-
48 369
Employee

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

44 315
-
113 500
-
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.

3 644
-
30 273
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 085
-
6 085
-
surtax

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

201
-
1 665
-
total
9 930
-
38 023
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
69 185
113 500
-
-
chamber of commerce
237
301
-
-
income
10 378
17 025
-
-
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.

571
936
-
-
trade
9 928
16 286
-
-
total
21 114
34 548
-
-
Dividends
48 071
78 951
-
-
withholding
11 679
19 400
-
-
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.

642
1 066
-
-
total
12 321
20 466
-
-
Income
113 500
113 500
113 500
113 500
Total tax
43 365
55 014
38 023
48 369
After tax
70 135
58 486
75 477
65 131
Living cost
34 385
34 385
34 385
34 385
Free-cash
35 750
24 101
41 092
30 746

Estimated living cost  is ₽34385 per week

₽23720
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3700
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽6467
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
₽45165
₽14662
₽72270
₽64965
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.

-
-
-
113 500
microenterprise
-
-
-
-
income
-
-
-
17 243
social contributions

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

-
-
-
34 124
surtax
-
-
-
28 942
total
-
-
-
80 309
Employee
26 025
-
91 465
-
income
4 633
-
17 709
-
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.

2 863
-
10 062
-
surtax
-
-
-
-
total
7 496
-
27 771
-
Employer
26 025
-
91 465
-
social contributions

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

6 269
-
22 035
-
surtax
-
-
-
-
total
6 269
-
22 035
-
Corporate
81 206
113 500
-
-
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%.

16 241
22 701
-
-
total
16 241
22 701
-
-
Dividends

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

64 965
90 799
-
-
total
-
-
-
-
Income
113 500
113 500
113 500
113 500
Total tax
30 006
22 701
49 806
80 309
After tax
83 494
90 799
63 694
33 191
Living cost
18 529
18 529
18 529
18 529
Free-cash
64 965
72 270
45 165
14 662

Estimated living cost  is ₽18529 per week

₽11821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4523
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
₽54415
₽55246
₽59150
₽57232
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
-
-
-
113 500
income
-
-
-
31 892
health
-
-
-
6 173
pensions
-
-
-
8 515
total
-
-
-
46 580
Employee
17 780
-
103 921
-
income
3 440
-
31 445
-
health
889
-
2 129
-
unemployment
178
-
426
-
pensions
1 600
-
3 832
-
total
6 107
-
37 832
-
Employer
17 780
-
103 921
-
unemployment
356
-
851
-
pensions
1 956
-
4 683
-
health
1 689
-
4 045
-
total
4 001
-
9 579
-
Corporate
91 719
113 500
-
-
income
20 178
24 970
-
-
total
20 178
24 970
-
-
Dividends
71 541
88 530
-
-
withholding
14 308
17 706
-
-
total
14 308
17 706
-
-
Income
113 500
113 500
113 500
113 500
Total tax
44 594
42 676
47 411
46 580
After tax
68 906
70 824
66 089
66 920
Living cost
11 674
11 674
11 674
11 674
Free-cash
57 232
59 150
54 415
55 246

Estimated living cost  is ₽11674 per week

₽6937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽267
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3523
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
₽32662
₽34536
₽51387
₽48554
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
-
-
-
113 500
income
-
-
-
24 636
health
-
-
-
8 057
unemployment
-
-
-
203
surtax
-
-
-
3 362
pensions
-
-
-
22 701
other
-
-
-
-
total
-
-
-
58 959
Employee
29 994
-
93 762
-
other
-
-
-
-
income
5 028
-
22 859
-
health
766
-
2 392
-
unemployment
2 087
-
6 526
-
surtax
106
-
3 064
-
pensions
2 001
-
6 254
-
total
9 988
-
41 095
-
Employer
29 994
-
93 762
-
unemployment
952
-
2 973
-
pensions
3 999
-
12 499
-
other
-
-
-
-
health
1 364
-
4 266
-
total
6 315
-
19 738
-
Corporate
77 192
113 500
-
-
income
20 069
29 510
-
-
total
20 069
29 510
-
-
Dividends
57 123
83 990
-
-
withholding
8 569
12 598
-
-
total
8 569
12 598
-
-
Income
113 500
113 500
113 500
113 500
Total tax
44 941
42 108
60 833
58 959
After tax
68 559
71 392
52 667
54 541
Living cost
20 005
20 005
20 005
20 005
Free-cash
48 554
51 387
32 662
34 536

Estimated living cost  is ₽20005 per week

₽12078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1739
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5725
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
₽2907
₽28658
₽34894
₽34456
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
-
-
-
113 500
income
-
-
-
23 301
chamber of commerce
-
-
-