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
₽ 114500
per

Your estimated
City
free-cash

Valencia , Spain
₽34974
₽39260
₽52309
₽47887
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
-
-
-
114 500
income
-
-
-
25 913
accident
-
-
-
745
unemployment
-
-
-
579
pensions
-
-
-
23 394
other
-
-
-
83
total
-
-
-
50 714
Employee
32 978
-
88 146
-
other
32
-
83
-
income
6 358
-
23 396
-
unemployment
511
-
1 281
-
pensions
1 550
-
3 886
-
total
8 451
-
28 646
-
Employer
32 978
-
88 146
-
unemployment
1 814
-
4 546
-
pensions
7 782
-
19 509
-
other
264
-
662
-
accident
653
-
1 637
-
total
10 513
-
26 354
-
Corporate
71 008
114 500
-
-
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.

10 651
17 176
-
-
total
10 651
17 176
-
-
Dividends
60 357
97 324
-
-
withholding
12 472
20 489
-
-
total
12 472
20 489
-
-
Income
114 500
114 500
114 500
114 500
Total tax
42 087
37 665
55 000
50 714
After tax
72 413
76 835
59 500
63 786
Living cost
24 526
24 526
24 526
24 526
Free-cash
47 887
52 309
34 974
39 260

Estimated living cost  is ₽24526 per week

₽16554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5184
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
₽42155
₽37418
₽60358
₽54336
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
-
-
-
114 500
income
-
-
-
15 361
health
-
-
-
5 039
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.

-
-
-
27 479
other
-
-
-
5 438
total
-
-
-
53 317
Employee
32 383
-
91 455
-
income
5 575
-
16 940
-
health
454
-
1 280
-
unemployment
323
-
914
-
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.

2 266
-
6 401
-
total
8 618
-
25 535
-
Employer
32 383
-
91 455
-
unemployment
323
-
914
-
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.

5 506
-
15 547
-
other
1 620
-
4 573
-
accident
259
-
731
-
health
454
-
1 280
-
total
8 162
-
23 045
-
Corporate
73 956
114 500
-
-
income
15 530
24 045
-
-
total
15 530
24 045
-
-
Dividends
58 425
90 455
-
-
withholding
4 089
6 332
-
-
total
4 089
6 332
-
-
Income
114 500
114 500
114 500
114 500
Total tax
36 399
30 377
48 580
53 317
After tax
78 101
84 123
65 920
61 183
Living cost
23 765
23 765
23 765
23 765
Free-cash
54 336
60 358
42 155
37 418

Estimated living cost  is ₽23765 per week

₽16791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4986
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
₽81377
₽77344
₽86221
₽82087
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
-
-
-
114 500
income
-
-
-
17 175
health
-
-
-
3 577
unemployment
-
-
-
124
pensions

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

-
-
-
4 604
total
-
-
-
25 480
Employee
15 461
-
108 397
-
income
1 546
-
10 840
-
health
711
-
1 431
-
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.

1 357
-
2 731
-
total
3 784
-
15 344
-
Employer
15 461
-
108 397
-
unemployment
92
-
187
-
pensions

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

1 704
-
3 428
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 067
-
2 146
-
total
3 033
-
6 103
-
Corporate
96 005
114 500
-
-
income
9 600
11 450
-
-
total
9 600
11 450
-
-
Dividends
86 405
103 050
-
-
withholding
4 320
5 153
-
-
total
4 320
5 153
-
-
Income
114 500
114 500
114 500
114 500
Total tax
20 737
16 603
21 447
25 480
After tax
93 763
97 897
93 053
89 020
Living cost
11 676
11 676
11 676
11 676
Free-cash
82 087
86 221
81 377
77 344

Estimated living cost  is ₽11676 per week

₽6817
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽834
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.
₽3716
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
₽37177
₽34702
₽27194
₽32461
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
-
-
-
114 500
income
-
-
-
14 486
social contributions
-
-
-
3 261
health
-
-
-
3 512
surtax
-
-
-
-
pensions
-
-
-
24 476
other
-
-
-
3 549
total
-
-
-
49 284
Employee
38 171
-
91 081
-
income
2 253
-
15 496
-
social contributions
1 088
-
2 595
-
surtax
-
-
-
-
pensions
4 316
-
5 301
-
total
7 657
-
23 392
-
Employer
38 171
-
91 081
-
unemployment
1 545
-
3 688
-
social contributions
115
-
272
-
pensions
6 271
-
9 108
-
other
1 317
-
3 143
-
health
2 672
-
7 206
-
total
11 920
-
23 417
-
Corporate
64 409
114 500
-
-
income
18 035
32 059
-
-
surtax
-
-
-
-
total
18 035
32 059
-
-
Dividends
46 373
82 441
-
-
withholding
5 936
10 553
-
-
surtax
-
-
-
-
social contributions
7 977
14 180
-
-
total
13 913
24 733
-
-
Income
114 500
114 500
114 500
114 500
Total tax
51 525
56 792
46 809
49 284
After tax
62 975
57 708
67 691
65 216
Living cost
30 514
30 514
30 514
30 514
Free-cash
32 461
27 194
37 177
34 702

Estimated living cost  is ₽30514 per week

₽19240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2481
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.
₽8275
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
₽26648
₽28617
₽18690
₽13225
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
-
-
-
114 500
income
-
-
-
27 073
health
-
-
-
10 998
pensions
-
-
-
10 450
total
-
-
-
48 521
Employee
76 163
76 163
97 925
-
income

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

12 467
12 467
12 467
-
health
11 690
9 943
10 998
-
pensions
13 709
10 450
10 450
-
total
37 866
32 860
33 915
-
Employer
76 163
76 163
97 925
-
unemployment
2 742
2 742
3 407
-
pensions
5 301
5 301
6 589
-
health
5 294
5 294
6 579
-
total
13 337
13 337
16 575
-
Corporate
25 935
25 001
-
-
income
5 188
5 000
-
-
total
5 188
5 000
-
-
Dividends
20 747
20 001
-
-
withholding
3 113
3 001
-
-
income
4 409
4 250
-
-
total
7 522
7 251
-
-
Income
114 500
114 500
114 500
114 500
Total tax
63 913
58 448
50 490
48 521
After tax
50 587
56 052
64 010
65 979
Living cost
37 362
37 362
37 362
37 362
Free-cash
13 225
18 690
26 648
28 617

Estimated living cost  is ₽37362 per week

₽26477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3368
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
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.
₽6922
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
₽49036
₽37534
₽30805
₽40671
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.

-
-
-
114 500
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.

-
-
-
30 670
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.

-
-
-
6 093
trade
-
-
-
11 502
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.

-
-
-
1 687
total
-
-
-
49 952
Employee

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

34 113
-
114 500
-
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.

953
-
30 670
-
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.

6 093
-
6 093
-
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
-
1 687
-
total
7 098
-
38 450
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
80 387
114 500
-
-
chamber of commerce
250
300
-
-
income
12 057
17 176
-
-
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.

663
944
-
-
trade
12 662
18 034
-
-
total
25 632
36 454
-
-
Dividends
54 755
78 047
-
-
withholding
13 350
19 173
-
-
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.

735
1 054
-
-
total
14 085
20 227
-
-
Income
114 500
114 500
114 500
114 500
Total tax
46 815
56 681
38 450
49 952
After tax
67 685
57 819
76 050
64 548
Living cost
27 014
27 014
27 014
27 014
Free-cash
40 671
30 805
49 036
37 534

Estimated living cost  is ₽27014 per week

₽16993
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3150
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.
₽6367
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
₽58317
₽59525
₽63019
₽58165
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
-
-
-
114 500
income
-
-
-
16 976
social contributions
-
-
-
14 430
health
-
-
-
2 920
total
-
-
-
34 326
Employee
68 581
68 581
104 883
-
income
7 467
6 349
16 458
-
social contributions
2 593
5 692
7 677
-
health
531
1 166
1 782
-
total
10 591
13 207
25 917
-
Employer
68 581
68 581
104 883
-
social contributions
2 593
5 692
7 677
-
health
577
1 269
1 940
-
total
3 170
6 961
9 617
-
Corporate
80 089
38 958
-
-
income
10 011
4 869
-
-
total
10 011
4 869
-
-
Dividends
70 078
34 088
-
-
withholding
11 914
5 795
-
-
total
11 914
5 795
-
-
Income
114 500
114 500
114 500
114 500
Total tax
35 686
30 832
35 534
34 326
After tax
78 814
83 668
78 966
80 174
Living cost
20 649
20 649
20 649
20 649
Free-cash
58 165
63 019
58 317
59 525

Estimated living cost  is ₽20649 per week

₽12376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2026
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽5792
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
₽27400
₽34775
₽37153
₽36256
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.

-
-
-
114 500
income
-
-
-
11 961
social contributions

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

-
-
-
39 789
surtax
-
-
-
-
total
-
-
-
51 750
Employee
41 019
-
92 525
-
income
8 532
-
26 974
-
social contributions
4 512
-
10 177
-
surtax
-
-
-
-
total
13 044
-
37 151
-
Employer
41 019
-
92 525
-
social contributions
9 742
-
21 974
-
total
9 742
-
21 974
-
Corporate
63 739
114 500
-
-
income
13 384
24 045
-
-
surtax
-
-
-
-
total
13 384
24 045
-
-
Dividends
50 354
90 455
-
-
withholding
14 099
25 327
-
-
total
14 099
25 327
-
-
Income
114 500
114 500
114 500
114 500
Total tax
50 269
49 372
59 125
51 750
After tax
64 231
65 128
55 375
62 750
Living cost
27 975
27 975
27 975
27 975
Free-cash
36 256
37 153
27 400
34 775

Estimated living cost  is ₽27975 per week

₽20931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4927
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
₽85258
₽107013
₽102433
₽101244
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%.

-
-
-
114 500
microenterprise

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

-
-
-
1 145
total
-
-
-
1 145
Employee
7 927
-
114 500
-
income
1 585
-
22 900
-
total
1 585
-
22 900
-
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%.

106 573
114 500
-
-
total
-
-
-
-
Dividends
106 573
114 500
-
-
withholding
5 329
5 725
-
-
total
5 329
5 725
-
-
Income
114 500
114 500
114 500
114 500
Total tax
6 914
5 725
22 900
1 145
After tax
107 586
108 775
91 600
113 355
Living cost
6 342
6 342
6 342
6 342
Free-cash
101 244
102 433
85 258
107 013

Estimated living cost  is ₽6342 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
₽30927
₽34164
₽54911
₽47451
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.

-
-
-
114 500
income
-
-
-
24 067
health
-
-
-
11 265
unemployment
-
-
-
171
pensions
-
-
-
20 911
total
-
-
-
56 414
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.

39 439
-
99 073
-
income
6 801
-
22 330
-
health
2 547
-
6 401
-
unemployment
56
-
139
-
pensions
6 113
-
15 356
-
total
15 517
-
44 226
-
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.

39 439
-
99 073
-
unemployment
24
-
59
-
pensions
3 490
-
8 767
-
health
2 627
-
6 599
-
total
6 141
-
15 425
-
Corporate
68 921
114 500
-
-
income
13 095
21 755
-
-
total
13 095
21 755
-
-
Dividends
55 826
92 745
-
-
withholding
8 374
13 912
-
-
total
8 374
13 912
-
-
Income
114 500
114 500
114 500
114 500
Total tax
43 127
35 667
59 651
56 414
After tax
71 373
78 833
54 849
58 086
Living cost
23 922
23 922
23 922
23 922
Free-cash
47 451
54 911
30 927
34 164

Estimated living cost  is ₽23922 per week

₽16417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1533
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
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.
₽5509
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
₽51636
₽50959
₽37338
₽40456
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.

-
-
-
114 500
income
-
-
-
25 388
health

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

-
-
-
5 778
total
-
-
-
31 166
Employee
40 914
-
110 397
-
social contributions
4 099
-
4 103
-
income
4 439
-
22 283
-
total
8 538
-
26 386
-
Employer
40 914
-
110 397
-
social contributions
4 099
-
4 103
-
total
4 099
-
4 103
-
Corporate
69 487
114 500
-
-
income
24 320
40 075
-
-
total
24 320
40 075
-
-
Dividends
45 167
74 425
-
-
social contributions
4 712
4 712
-
-
total
4 712
4 712
-
-
Income
114 500
114 500
114 500
114 500
Total tax
41 669
44 787
30 489
31 166
After tax
72 831
69 713
84 011
83 334
Living cost
32 375
32 375
32 375
32 375
Free-cash
40 456
37 338
51 636
50 959

Estimated living cost  is ₽32375 per week

₽21326
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽8000
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
₽53511
₽54619
₽50942
₽51405
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
-
-
-
114 500
income
-
-
-
17 176
social contributions
-
-
-
15 801
health
-
-
-
7 992
total
-
-
-
40 969
Employee
30 240
-
114 500
-
income
5 044
-
18 284
-
social contributions
4 174
-
15 801
-
health
2 111
-
7 992
-
total
11 329
-
42 077
-
Employer
30 240
-
114 500
-
total
-
-
-
-
Corporate
84 260
114 500
-
-
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%.

4 213
5 726
-
-
total
4 213
5 726
-
-
Dividends
80 048
108 774
-
-
withholding
12 007
16 316
-
-
health
5 587
7 593
-
-
social contributions
11 047
15 011
-
-
total
28 641
38 920
-
-
Income
114 500
114 500
114 500
114 500
Total tax
44 183
44 646
42 077
40 969
After tax
70 317
69 854
72 423
73 531
Living cost
18 912
18 912
18 912
18 912
Free-cash
51 405
50 942
53 511
54 619

Estimated living cost  is ₽18912 per week

₽12657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
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.
₽4653
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
₽33781
₽35718
₽54509
₽45832
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
-
-
-
114 500
income
-
-
-
10 596
social contributions
-
-
-
28 404
solidarity contribution
-
-
-
-
health
-
-
-
15 458
total
-
-
-
54 458
Employee
35 771
-
85 448
-
solidarity contribution
-
-
-
-
income
4 292
-
10 254
-
social contributions
2 325
-
5 554
-
health
4 829
-
11 535
-
total
11 446
-
27 343
-
Employer
35 771
-
85 448
-
social contributions
8 943
-
21 362
-
health
3 219
-
7 690
-
total
12 162
-
29 052
-
Corporate
66 567
114 500
-
-
income
12 648
21 755
-
-
total
12 648
21 755
-
-
Dividends
53 920
92 745
-
-
withholding
8 088
13 912
-
-
total
8 088
13 912
-
-
Income
114 500
114 500
114 500
114 500
Total tax
44 344
35 667
56 395
54 458
After tax
70 156
78 833
58 105
60 042
Living cost
24 324
24 324
24 324
24 324
Free-cash
45 832
54 509
33 781
35 718

Estimated living cost  is ₽24324 per week

₽18089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4467
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
₽81717
₽103472
₽98892
₽97039
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%.

-
-
-
114 500
microenterprise

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

-
-
-
1 145
total
-
-
-
1 145
Employee
12 354
-
114 500
-
income
2 471
-
22 900
-
total
2 471
-
22 900
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

102 146
114 500
-
-
total
-
-
-
-
Dividends
102 146
114 500
-
-
withholding
5 107
5 725
-
-
total
5 107
5 725
-
-
Income
114 500
114 500
114 500
114 500
Total tax
7 578
5 725
22 900
1 145
After tax
106 922
108 775
91 600
113 355
Living cost
9 883
9 883
9 883
9 883
Free-cash
97 039
98 892
81 717
103 472

Estimated living cost  is ₽9883 per week

₽6688
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.
₽2449
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
₽24615
₽22140
₽14632
₽20763
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
-
-
-
114 500
income
-
-
-
14 486
social contributions
-
-
-
3 261
health
-
-
-
3 512
surtax
-
-
-
-
pensions
-
-
-
24 476
other
-
-
-
3 549
total
-
-
-
49 284
Employee
55 860
-
91 081
-
income
4 874
-
15 496
-
social contributions
1 591
-
2 595
-
surtax
-
-
-
-
pensions
6 318
-
5 301
-
total
12 783
-
23 392
-
Employer
55 860
-
91 081
-
unemployment
2 263
-
3 688
-
social contributions
168
-
272
-
pensions
9 178
-
9 108
-
other
1 928
-
3 143
-
health
3 910
-
7 206
-
total
17 447
-
23 417
-
Corporate
41 194
114 500
-
-
income
11 534
32 059
-
-
surtax
-
-
-
-
total
11 534
32 059
-
-
Dividends
29 659
82 441
-
-
withholding
3 796
10 553
-
-
surtax
-
-
-
-
social contributions
5 101
14 180
-
-
total
8 897
24 733
-
-
Income
114 500
114 500
114 500
114 500
Total tax
50 661
56 792
46 809
49 284
After tax
63 839
57 708
67 691
65 216
Living cost
43 076
43 076
43 076
43 076
Free-cash
20 763
14 632
24 615
22 140

Estimated living cost  is ₽43076 per week

₽29153
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3524
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽591
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.
₽9808
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
₽49375
₽49375
₽67350
₽62976
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.

-
-
-
114 500
income
-
-
-
24 911
health
-
-
-
6 768
unemployment
-
-
-
986
pensions
-
-
-
17 084
total
-
-
-
49 749
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.

23 186
-
102 738
-
income
3 196
-
24 911
-
health
1 194
-
3 384
-
unemployment
174
-
493
-
pensions
3 246
-
9 199
-
total
7 810
-
37 987
-
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.

23 186
-
102 738
-
unemployment
174
-
493
-
pensions
2 782
-
7 885
-
health
1 194
-
3 384
-
total
4 150
-
11 762
-
Corporate
87 163
114 500
-
-
income
13 075
17 175
-
-
total
13 075
17 175
-
-
Dividends
74 089
97 325
-
-
withholding
11 113
14 599
-
-
total
11 113
14 599
-
-
Income
114 500
114 500
114 500
114 500
Total tax
36 148
31 774
49 749
49 749
After tax
78 352
82 726
64 751
64 751
Living cost
15 376
15 376
15 376
15 376
Free-cash
62 976
67 350
49 375
49 375

Estimated living cost  is ₽15376 per week

₽10353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
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.
₽3389
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
₽26119
₽31683
-₽9891
₽16744
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
-
-
-
114 500
regional
-
-
-
4 958
national
-
-
-
1 323
health
-
-
-
257
city
-
-
-
1 207
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.

-
-
-
2 289
pensions
-
-
-
10 534
total
-
-
-
20 568
Employee
72 848
-
102 483
-
regional
2 385
-
4 245
-
city
782
-
1 102
-
health
165
-
230
-
unemployment
-
-
-
-
national
345
-
1 057
-
pensions
6 120
-
8 609
-
total
9 797
-
15 243
-
Employer
72 848
-
102 483
-
unemployment
-
-
-
-
pensions
6 120
-
8 609
-
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.

1 456
-
2 050
-
health
165
-
230
-
total
7 741
-
10 889
-
Corporate
33 110
114 500
-
-
regional
7 003
24 217
-
-
national
2 814
9 732
-
-
total
9 817
33 949
-
-
Dividends
23 293
80 551
-
-
withholding
8 152
28 193
-
-
total
8 152
28 193
-
-
Income
114 500
114 500
114 500
114 500
Total tax
35 507
62 142
26 132
20 568
After tax
78 993
52 358
88 368
93 932
Living cost
62 249
62 249
62 249
62 249
Free-cash
16 744
-9 891
26 119
31 683

Estimated living cost  is ₽62249 per week

₽40480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5586
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.
₽15419
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
₽28530
₽44232
₽39956
₽40309
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

-
-
-
114 500
municipal
-
-
-
20 359
national
-
-
-
14 276
health
-
-
-
1 391
total
-
-
-
36 026
Employee
46 923
-
96 324
-
health
350
-
1 112
-
unemployment
704
-
1 445
-
national
775
-
8 785
-
municipal
7 686
-
15 708
-
pensions
3 167
-
6 503
-
total
12 682
-
33 553
-
Employer
46 923
-
96 324
-
unemployment
305
-
626
-
pensions
8 141
-
16 712
-
accident
47
-
96
-
health
361
-
741
-
total
8 854
-
18 175
-
Corporate
58 723
114 500
-
-
income
11 744
22 900
-
-
total
11 744
22 900
-
-
Dividends

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

35 234
68 700
-
-
national
327
5 037
-
-
municipal
6 342
12 365
-
-
total
6 669
17 402
-
-
Income
114 500
114 500
114 500
114 500
Total tax
39 949
40 302
51 728
36 026
After tax
74 551
74 198
62 772
78 474
Living cost
34 242
34 242
34 242
34 242
Free-cash
40 309
39 956
28 530
44 232

Estimated living cost  is ₽34242 per week

₽22366
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3294
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8038
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
₽10169
₽18634
₽31605
₽18229
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
-
-
-
114 500
national
-
-
-
39 396
social contributions
-
-
-
18 171
communal

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

-
-
-
5 780
total
-
-
-
63 347
Employee

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

63 796
-
88 684
-
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.

2 997
-
4 169
-
communal

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

3 327
-
4 626
-
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.

555
-
772
-
national
19 614
-
29 778
-
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.

4 785
-
6 652
-
total
31 278
-
45 997
-
Employer

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

63 796
-
88 684
-
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.

931
-
1 295
-
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.

5 653
-
7 857
-
surtax
7 234
-
10 057
-
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.

829
-
1 153
-
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.

3 923
-
5 453
-
total
18 570
-
25 815
-
Corporate
32 133
114 500
-
-
income
6 426
22 900
-
-
surtax
129
459
-
-
total
6 555
23 359
-
-
Dividends
25 578
91 142
-
-
withholding

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

7 349
27 017
-
-
total
7 349
27 017
-
-
Income
114 500
114 500
114 500
114 500
Total tax
63 752
50 376
71 812
63 347
After tax
50 748
64 124
42 688
51 153
Living cost
32 519
32 519
32 519
32 519
Free-cash
18 229
31 605
10 169
18 634

Estimated living cost  is ₽32519 per week

₽20946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2843
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.
₽8220
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
₽23775
₽24751
₽26367
₽25555
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
-
-
-
114 500
municipal
-
-
-
27 299
national
-
-
-
3 348
health
-
-
-
4 944
accident
-
-
-
158
unemployment
-
-
-
79
pensions
-
-
-
8 565
other
-
-
-
9 206
total
-
-
-
53 599
Employee
51 511
-
89 606
-
national
-
-
2 960
-
municipal
15 361
-
26 721
-
total
15 361
-
29 681
-
Employer
51 511
-
89 606
-
unemployment
1 360
-
2 092
-
pensions
5 568
-
8 565
-
other
5 986
-
9 206
-
accident
103
-
158
-
health
3 168
-
4 873
-
total
16 185
-
24 894
-
Corporate
46 804
114 500
-
-
income
10 297
25 190
-
-
total
10 297
25 190
-
-
Dividends
36 507
89 310
-
-
withholding
10 952
26 793
-
-
total
10 952
26 793
-
-
Income
114 500
114 500
114 500
114 500
Total tax
52 795
51 983
54 575
53 599
After tax
61 705
62 517
59 925
60 901
Living cost
36 150
36 150
36 150
36 150
Free-cash
25 555
26 367
23 775
24 751

Estimated living cost  is ₽36150 per week

₽23959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
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.
₽8095
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
₽63894
₽40347
₽30880
-₽19514
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
-
-
-
114 500
income
-
-
-
22 318
social contributions
-
-
-
13 053
total
-
-
-
35 371
Employee
55 607
-
-
-
income
12 266
-
-
-
social contributions
4 560
-
650
-
total
16 826
-
650
-
Employer
55 607
-
-
-
social contributions
78 406
-
11 174
-
total
78 406
-
11 174
-
Corporate
-
114 500
-
-
income
-
25 190
-
-
total
-
25 190
-
-
Dividends
-
89 310
-
-
income
-
19 648
-
-
total
-
19 648
-
-
Income
114 500
114 500
114 500
114 500
Total tax
95 232
44 838
11 824
35 371
After tax
19 268
69 662
102 676
79 129
Living cost
38 782
38 782
38 782
38 782
Free-cash
-19 514
30 880
63 894
40 347

Estimated living cost  is ₽38782 per week

₽25163
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
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.
₽9477
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
₽50038
₽51246
₽54740
₽51038
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
-
-
-
114 500
income
-
-
-
16 976
social contributions
-
-
-
14 430
health
-
-
-
2 920
total
-
-
-
34 326
Employee
68 581
68 581
104 883
-
income
7 202
6 349
16 458
-
social contributions
3 333
5 692
7 677
-
health
682
1 166
1 782
-
total
11 217
13 207
25 917
-
Employer
68 581
68 581
104 883
-
social contributions
3 333
5 692
7 677
-
health
743
1 269
1 940
-
total
4 076
6 961
9 617
-
Corporate
70 280
38 958
-
-
income
8 786
4 869
-
-
total
8 786
4 869
-
-
Dividends
61 495
34 088
-
-
withholding
10 455
5 795
-
-
total
10 455
5 795
-
-
Income
114 500
114 500
114 500
114 500
Total tax
34 534
30 832
35 534
34 326
After tax
79 966
83 668
78 966
80 174
Living cost
28 928
28 928
28 928
28 928
Free-cash
51 038
54 740
50 038
51 246

Estimated living cost  is ₽28928 per week

₽19775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
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.
₽6408
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
₽36107
₽46679
₽46932
₽48845
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
-
-
-
114 500
income
-
-
-
28 730
pensions
-
-
-
7 018
total
-
-
-
35 748
Employee
44 025
-
100 369
-
income
8 017
-
21 683
-
health
574
-
1 602
-
pensions
3 360
-
8 906
-
total
11 951
-
32 191
-
Employer
44 025
-
100 369
-
pensions
4 448
-
12 222
-
health
837
-
1 907
-
total
5 285
-
14 129
-
Corporate
65 190
114 500
-
-
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.

12 385
21 755
-
-
total
12 385
21 755
-
-
Dividends
52 805
92 745
-
-
withholding
3 961
13 740
-
-
total
3 961
13 740
-
-
Income
114 500
114 500
114 500
114 500
Total tax
33 582
35 495
46 320
35 748
After tax
80 918
79 005
68 180
78 752
Living cost
32 073
32 073
32 073
32 073
Free-cash
48 845
46 932
36 107
46 679

Estimated living cost  is ₽32073 per week

₽22002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2949
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.
₽6718
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
₽14907
₽20144
₽24782
₽20724
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
-
-
-
114 500
municipal
-
-
-
765
regional
-
-
-
2 519
national
-
-
-
26 092
social contributions
-
-
-
29 450
total
-
-
-
58 826
Employee
75 155
-
114 500
-
regional
1 135
-
2 160
-
social contributions
25 342
-
38 609
-
national
12 701
-
22 610
-
municipal
449
-
684
-
total
39 627
-
64 063
-
Employer
75 155
-
114 500
-
total
-
-
-
-
Corporate
39 345
114 500
-
-
nationa
9 442
27 479
-
-
municipal
1 896
5 519
-
-
total
11 338
32 998
-
-
Dividends
28 007
81 501
-
-
withholding
7 281
21 190
-
-
total
7 281
21 190
-
-
Income
114 500
114 500
114 500
114 500
Total tax
58 246
54 188
64 063
58 826
After tax
56 254
60 312
50 437
55 674
Living cost
35 530
35 530
35 530
35 530
Free-cash
20 724
24 782
14 907
20 144

Estimated living cost  is ₽35530 per week

₽24958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2444
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7591
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
₽42378
₽59792
-₽9331
₽6420
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
-
-
-
114 500
income
-
-
-
30 213
health
-
-
-
1 844
accident
-
-
-
214
pensions
-
-
-
3 519
other
-
-
-
313
total
-
-
-
36 103
Employee
29 267
-
101 021
-
income
4 015
-
22 019
-
health
3 351
-
11 567
-
pensions
3 296
-
6 452
-
total
10 662
-
40 038
-
Employer
29 267
-
101 021
-
unemployment
717
-
2 475
-
pensions
4 759
-
9 317
-
accident
489
-
1 687
-
total
5 965
-
13 479
-
Corporate
79 269
114 500
-
-
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.

71 342
103 050
-
-
total
71 342
103 050
-
-
Dividends
7 927
11 450
-
-
withholding
1 506
2 176
-
-
total
1 506
2 176
-
-
Income
114 500
114 500
114 500
114 500
Total tax
89 475
105 226
53 517
36 103
After tax
25 025
9 274
60 983
78 397
Living cost
18 605
18 605
18 605
18 605
Free-cash
6 420
-9 331
42 378
59 792

Estimated living cost  is ₽18605 per week

₽13636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1031
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.
₽3550
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
₽41617
₽31137
₽24565
₽36231
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.

-
-
-
114 500
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.

-
-
-
30 670
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.

-
-
-
6 093
trade
-
-
-
10 480
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.

-
-
-
1 687
total
-
-
-
48 930
Employee

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

44 376
-
114 500
-
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.

3 649
-
30 670
-
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.

6 093
-
6 093
-
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
-
1 687
-
total
9 943
-
38 450
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
70 124
114 500
-
-
chamber of commerce
239
303
-
-
income
10 519
17 176
-
-
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.

579
944
-
-
trade
10 062
16 431
-
-
total
21 399
34 854
-
-
Dividends
48 725
79 646
-
-
withholding
11 842
19 572
-
-
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.

652
1 076
-
-
total
12 494
20 648
-
-
Income
114 500
114 500
114 500
114 500
Total tax
43 836
55 502
38 450
48 930
After tax
70 664
58 998
76 050
65 570
Living cost
34 433
34 433
34 433
34 433
Free-cash
36 231
24 565
41 617
31 137

Estimated living cost  is ₽34433 per week

₽23753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3705
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.
₽6476
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
₽45695
₽15116
₽73045
₽65729
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.

-
-
-
114 500
microenterprise
-
-
-
-
income
-
-
-
17 460
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.

-
-
-
34 172
surtax
-
-
-
29 197
total
-
-
-
80 829
Employee
26 061
-
92 272
-
income
4 639
-
17 872
-
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.

2 867
-
10 150
-
surtax
-
-
-
-
total
7 506
-
28 022
-
Employer
26 061
-
92 272
-
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.

6 277
-
22 228
-
surtax
-
-
-
-
total
6 277
-
22 228
-
Corporate
82 161
114 500
-
-
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%.

16 433
22 900
-
-
total
16 433
22 900
-
-
Dividends

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

65 729
91 600
-
-
total
-
-
-
-
Income
114 500
114 500
114 500
114 500
Total tax
30 216
22 900
50 250
80 829
After tax
84 284
91 600
64 250
33 671
Living cost
18 555
18 555
18 555
18 555
Free-cash
65 729
73 045
45 695
15 116

Estimated living cost  is ₽18555 per week

₽11837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1767
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.
₽4529
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
₽55016
₽55848
₽59744
₽57822
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
-
-
-
114 500
income
-
-
-
32 222
health
-
-
-
6 189
pensions
-
-
-
8 537
total
-
-
-
46 948
Employee
17 826
-
104 896
-
income
3 448
-
31 773
-
health
891
-
2 134
-
unemployment
178
-
427
-
pensions
1 604
-
3 842
-
total
6 121
-
38 176
-
Employer
17 826
-
104 896
-
unemployment
357
-
854
-
pensions
1 961
-
4 695
-
health
1 694
-
4 055
-
total
4 012
-
9 604
-
Corporate
92 663
114 500
-
-
income
20 386
25 190
-
-
total
20 386
25 190
-
-
Dividends
72 277
89 310
-
-
withholding
14 455
17 862
-
-
total
14 455
17 862
-
-
Income
114 500
114 500
114 500
114 500
Total tax
44 974
43 052
47 780
46 948
After tax
69 526
71 448
66 720
67 552
Living cost
11 704
11 704
11 704
11 704
Free-cash
57 822
59 744
55 016
55 848

Estimated living cost  is ₽11704 per week

₽6955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
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.
₽3532
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
₽32982
₽34875
₽51989
₽49150
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
-
-
-
114 500
income
-
-
-
24 946
health
-
-
-
8 131
unemployment
-
-
-
203
surtax
-
-
-
3 412
pensions
-
-
-
22 900
other
-
-
-
-
total
-
-
-
59 592
Employee
30 035
-
94 588
-
other
-
-
-
-
income
5 035
-
23 152
-
health
767
-
2 414
-
unemployment
2 090
-
6 584
-
surtax
107
-
3 113
-
pensions
2 004
-
6 310
-
total
10 003
-
41 573
-
Employer
30 035
-
94 588
-
unemployment
953
-
2 999
-
pensions
4 004
-
12 609
-
other
-
-
-
-
health
1 366
-
4 304
-
total
6 323
-
19 912
-
Corporate
78 142
114 500
-
-
income
20 317
29 769
-
-
total
20 317
29 769
-
-
Dividends
57 825
84 731
-
-
withholding
8 674
12 709
-
-
total
8 674
12 709
-
-
Income
114 500
114 500
114 500
114 500
Total tax
45 317
42 478
61 485
59 592
After tax
69 183
72 022
53 015
54 908
Living cost
20 033
20 033
20 033
20 033
Free-cash
49 150
51 989
32 982
34 875

Estimated living cost  is ₽20033 per week

₽12095
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1742
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.
₽5733
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
₽3058
₽29184
₽35403
₽34957
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
-
-
-
114 500
income
-
-
-
23 687
chamber of commerce
-
-
-