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
₽ 129000
per

Your estimated
City
free-cash

Valencia , Spain
₽44108
₽48183
₽61800
₽57624
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
-
-
-
129 000
income
-
-
-
31 490
accident
-
-
-
745
unemployment
-
-
-
579
pensions
-
-
-
23 394
other
-
-
-
83
total
-
-
-
56 291
Employee
32 978
-
102 646
-
other
32
-
83
-
income
6 358
-
28 762
-
unemployment
511
-
1 281
-
pensions
1 550
-
3 886
-
total
8 451
-
34 012
-
Employer
32 978
-
102 646
-
unemployment
1 814
-
4 546
-
pensions
7 782
-
19 509
-
other
264
-
662
-
accident
653
-
1 637
-
total
10 513
-
26 354
-
Corporate
85 508
129 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

12 826
19 350
-
-
total
12 826
19 350
-
-
Dividends
72 682
109 650
-
-
withholding
15 060
23 324
-
-
total
15 060
23 324
-
-
Income
129 000
129 000
129 000
129 000
Total tax
46 850
42 674
60 366
56 291
After tax
82 150
86 326
68 634
72 709
Living cost
24 526
24 526
24 526
24 526
Free-cash
57 624
61 800
44 108
48 183

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
₽50021
₽44687
₽71011
₽64989
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
-
-
-
129 000
income
-
-
-
17 785
health
-
-
-
5 677
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.

-
-
-
30 959
other
-
-
-
6 127
total
-
-
-
60 548
Employee
32 383
-
103 035
-
income
5 575
-
19 564
-
health
454
-
1 442
-
unemployment
323
-
1 031
-
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
-
7 212
-
total
8 618
-
29 249
-
Employer
32 383
-
103 035
-
unemployment
323
-
1 031
-
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
-
17 516
-
other
1 620
-
5 152
-
accident
259
-
824
-
health
454
-
1 442
-
total
8 162
-
25 965
-
Corporate
88 456
129 000
-
-
income
18 575
27 090
-
-
total
18 575
27 090
-
-
Dividends
69 880
101 910
-
-
withholding
4 891
7 134
-
-
total
4 891
7 134
-
-
Income
129 000
129 000
129 000
129 000
Total tax
40 246
34 224
55 214
60 548
After tax
88 754
94 776
73 786
68 452
Living cost
23 765
23 765
23 765
23 765
Free-cash
64 989
71 011
50 021
44 687

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
₽94427
₽89669
₽98619
₽94484
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
-
-
-
129 000
income
-
-
-
19 350
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
-
-
-
27 655
Employee
15 461
-
122 897
-
income
1 546
-
12 290
-
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
-
16 794
-
Employer
15 461
-
122 897
-
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
110 505
129 000
-
-
income
11 050
12 900
-
-
total
11 050
12 900
-
-
Dividends
99 455
116 100
-
-
withholding
4 973
5 805
-
-
total
4 973
5 805
-
-
Income
129 000
129 000
129 000
129 000
Total tax
22 840
18 705
22 897
27 655
After tax
106 160
110 295
106 103
101 345
Living cost
11 676
11 676
11 676
11 676
Free-cash
94 484
98 619
94 427
89 669

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
₽43527
₽42638
₽34502
₽39769
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
-
-
-
129 000
income
-
-
-
17 916
social contributions
-
-
-
3 674
health
-
-
-
4 578
surtax
-
-
-
-
pensions
-
-
-
25 681
other
-
-
-
3 999
total
-
-
-
55 848
Employee
38 171
-
101 526
-
income
2 253
-
18 240
-
social contributions
1 088
-
2 892
-
surtax
-
-
-
-
pensions
4 316
-
6 357
-
total
7 657
-
27 489
-
Employer
38 171
-
101 526
-
unemployment
1 545
-
4 111
-
social contributions
115
-
305
-
pensions
6 271
-
10 829
-
other
1 317
-
3 662
-
health
2 672
-
8 563
-
total
11 920
-
27 470
-
Corporate
78 909
129 000
-
-
income
22 094
36 120
-
-
surtax
-
-
-
-
total
22 094
36 120
-
-
Dividends
56 815
92 880
-
-
withholding
7 273
11 888
-
-
surtax
-
-
-
-
social contributions
9 773
15 976
-
-
total
17 046
27 864
-
-
Income
129 000
129 000
129 000
129 000
Total tax
58 717
63 984
54 959
55 848
After tax
70 283
65 016
74 041
73 152
Living cost
30 514
30 514
30 514
30 514
Free-cash
39 769
34 502
43 527
42 638

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
₽40184
₽35811
₽26085
₽20623
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
-
-
-
129 000
income
-
-
-
34 379
health
-
-
-
10 998
pensions
-
-
-
10 450
total
-
-
-
55 827
Employee
76 163
76 163
112 425
-
income

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

12 467
12 467
13 431
-
health
11 690
9 943
10 998
-
pensions
13 709
10 450
10 450
-
total
37 866
32 860
34 879
-
Employer
76 163
76 163
112 425
-
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
40 435
39 501
-
-
income
8 087
7 901
-
-
total
8 087
7 901
-
-
Dividends
32 348
31 600
-
-
withholding
4 852
4 741
-
-
income
6 873
6 714
-
-
total
11 725
11 455
-
-
Income
129 000
129 000
129 000
129 000
Total tax
71 015
65 553
51 454
55 827
After tax
57 985
63 447
77 546
73 173
Living cost
37 362
37 362
37 362
37 362
Free-cash
20 623
26 085
40 184
35 811

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
₽57111
₽43324
₽38095
₽47958
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.

-
-
-
129 000
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.

-
-
-
36 759
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
-
-
-
13 787
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.

-
-
-
2 023
total
-
-
-
58 662
Employee

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

34 113
-
129 000
-
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
-
36 759
-
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
-
2 023
-
total
7 098
-
44 875
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
94 887
129 000
-
-
chamber of commerce
272
322
-
-
income
14 234
19 350
-
-
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.

784
1 065
-
-
trade
14 945
20 317
-
-
total
30 235
41 054
-
-
Dividends
64 653
87 947
-
-
withholding
15 825
21 647
-
-
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.

870
1 190
-
-
total
16 695
22 837
-
-
Income
129 000
129 000
129 000
129 000
Total tax
54 028
63 891
44 875
58 662
After tax
74 972
65 109
84 125
70 338
Living cost
27 014
27 014
27 014
27 014
Free-cash
47 958
38 095
57 111
43 324

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
₽67719
₽68930
₽73550
₽68696
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
-
-
-
129 000
income
-
-
-
21 701
social contributions
-
-
-
14 430
health
-
-
-
3 290
total
-
-
-
39 421
Employee
68 581
68 581
119 119
-
income
7 467
6 349
21 050
-
social contributions
2 593
5 692
7 677
-
health
531
1 166
2 024
-
total
10 591
13 207
30 751
-
Employer
68 581
68 581
119 119
-
social contributions
2 593
5 692
7 677
-
health
577
1 269
2 204
-
total
3 170
6 961
9 881
-
Corporate
94 589
53 458
-
-
income
11 824
6 682
-
-
total
11 824
6 682
-
-
Dividends
82 765
46 776
-
-
withholding
14 070
7 951
-
-
total
14 070
7 951
-
-
Income
129 000
129 000
129 000
129 000
Total tax
39 655
34 801
40 632
39 421
After tax
89 345
94 199
88 368
89 579
Living cost
20 649
20 649
20 649
20 649
Free-cash
68 696
73 550
67 719
68 930

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
₽33132
₽42077
₽45399
₽44502
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.

-
-
-
129 000
income
-
-
-
14 120
social contributions

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

-
-
-
44 828
surtax
-
-
-
-
total
-
-
-
58 948
Employee
41 019
-
104 242
-
income
8 532
-
31 668
-
social contributions
4 512
-
11 467
-
surtax
-
-
-
-
total
13 044
-
43 135
-
Employer
41 019
-
104 242
-
social contributions
9 742
-
24 758
-
total
9 742
-
24 758
-
Corporate
78 239
129 000
-
-
income
16 431
27 090
-
-
surtax
-
-
-
-
total
16 431
27 090
-
-
Dividends
61 808
101 910
-
-
withholding
17 306
28 536
-
-
total
17 306
28 536
-
-
Income
129 000
129 000
129 000
129 000
Total tax
56 523
55 626
67 893
58 948
After tax
72 477
73 374
61 107
70 052
Living cost
27 975
27 975
27 975
27 975
Free-cash
44 502
45 399
33 132
42 077

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
₽96858
₽121368
₽116208
₽115019
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%.

-
-
-
129 000
microenterprise

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

-
-
-
1 290
total
-
-
-
1 290
Employee
7 927
-
129 000
-
income
1 585
-
25 800
-
total
1 585
-
25 800
-
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%.

121 073
129 000
-
-
total
-
-
-
-
Dividends
121 073
129 000
-
-
withholding
6 054
6 450
-
-
total
6 054
6 450
-
-
Income
129 000
129 000
129 000
129 000
Total tax
7 639
6 450
25 800
1 290
After tax
121 361
122 550
103 200
127 710
Living cost
6 342
6 342
6 342
6 342
Free-cash
115 019
116 208
96 858
121 368

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
₽37092
₽40509
₽64894
₽57434
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.

-
-
-
129 000
income
-
-
-
28 124
health
-
-
-
12 694
unemployment
-
-
-
193
pensions
-
-
-
23 558
total
-
-
-
64 569
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
-
111 620
-
income
6 801
-
25 939
-
health
2 547
-
7 210
-
unemployment
56
-
156
-
pensions
6 113
-
17 301
-
total
15 517
-
50 606
-
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
-
111 620
-
unemployment
24
-
68
-
pensions
3 490
-
9 879
-
health
2 627
-
7 433
-
total
6 141
-
17 380
-
Corporate
83 421
129 000
-
-
income
15 850
24 511
-
-
total
15 850
24 511
-
-
Dividends
67 570
104 489
-
-
withholding
10 136
15 673
-
-
total
10 136
15 673
-
-
Income
129 000
129 000
129 000
129 000
Total tax
47 644
40 184
67 986
64 569
After tax
81 356
88 816
61 014
64 431
Living cost
23 922
23 922
23 922
23 922
Free-cash
57 434
64 894
37 092
40 509

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
₽61060
₽65459
₽46764
₽49881
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.

-
-
-
129 000
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
-
124 897
-
social contributions
4 099
-
4 103
-
income
4 439
-
27 359
-
total
8 538
-
31 462
-
Employer
40 914
-
124 897
-
social contributions
4 099
-
4 103
-
total
4 099
-
4 103
-
Corporate
83 987
129 000
-
-
income
29 395
45 149
-
-
total
29 395
45 149
-
-
Dividends
54 591
83 851
-
-
social contributions
4 712
4 712
-
-
total
4 712
4 712
-
-
Income
129 000
129 000
129 000
129 000
Total tax
46 744
49 861
35 565
31 166
After tax
82 256
79 139
93 435
97 834
Living cost
32 375
32 375
32 375
32 375
Free-cash
49 881
46 764
61 060
65 459

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
₽62097
₽63932
₽59791
₽60251
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
-
-
-
129 000
income
-
-
-
19 350
social contributions
-
-
-
17 802
health
-
-
-
9 004
total
-
-
-
46 156
Employee
30 240
-
129 000
-
income
5 044
-
21 185
-
social contributions
4 174
-
17 802
-
health
2 111
-
9 004
-
total
11 329
-
47 991
-
Employer
30 240
-
129 000
-
total
-
-
-
-
Corporate
98 760
129 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

4 939
6 450
-
-
total
4 939
6 450
-
-
Dividends
93 821
122 550
-
-
withholding
14 073
18 382
-
-
health
6 548
8 554
-
-
social contributions
12 948
16 911
-
-
total
33 569
43 847
-
-
Income
129 000
129 000
129 000
129 000
Total tax
49 837
50 297
47 991
46 156
After tax
79 163
78 703
81 009
82 844
Living cost
18 912
18 912
18 912
18 912
Free-cash
60 251
59 791
62 097
63 932

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
₽41140
₽46380
₽64493
₽55815
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
-
-
-
129 000
income
-
-
-
12 477
social contributions
-
-
-
28 404
solidarity contribution
-
-
-
-
health
-
-
-
17 415
total
-
-
-
58 296
Employee
35 771
-
96 269
-
solidarity contribution
-
-
-
-
income
4 292
-
11 552
-
social contributions
2 325
-
6 257
-
health
4 829
-
12 996
-
total
11 446
-
30 805
-
Employer
35 771
-
96 269
-
social contributions
8 943
-
24 067
-
health
3 219
-
8 664
-
total
12 162
-
32 731
-
Corporate
81 067
129 000
-
-
income
15 403
24 510
-
-
total
15 403
24 510
-
-
Dividends
65 665
104 490
-
-
withholding
9 850
15 673
-
-
total
9 850
15 673
-
-
Income
129 000
129 000
129 000
129 000
Total tax
48 861
40 183
63 536
58 296
After tax
80 139
88 817
65 464
70 704
Living cost
24 324
24 324
24 324
24 324
Free-cash
55 815
64 493
41 140
46 380

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
₽93317
₽117827
₽112667
₽110814
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%.

-
-
-
129 000
microenterprise

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

-
-
-
1 290
total
-
-
-
1 290
Employee
12 354
-
129 000
-
income
2 471
-
25 800
-
total
2 471
-
25 800
-
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%.

116 646
129 000
-
-
total
-
-
-
-
Dividends
116 646
129 000
-
-
withholding
5 832
6 450
-
-
total
5 832
6 450
-
-
Income
129 000
129 000
129 000
129 000
Total tax
8 303
6 450
25 800
1 290
After tax
120 697
122 550
103 200
127 710
Living cost
9 883
9 883
9 883
9 883
Free-cash
110 814
112 667
93 317
117 827

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
₽30965
₽30076
₽21940
₽28069
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
-
-
-
129 000
income
-
-
-
17 916
social contributions
-
-
-
3 674
health
-
-
-
4 578
surtax
-
-
-
-
pensions
-
-
-
25 681
other
-
-
-
3 999
total
-
-
-
55 848
Employee
55 860
-
101 526
-
income
4 874
-
18 240
-
social contributions
1 591
-
2 892
-
surtax
-
-
-
-
pensions
6 318
-
6 357
-
total
12 783
-
27 489
-
Employer
55 860
-
101 526
-
unemployment
2 263
-
4 111
-
social contributions
168
-
305
-
pensions
9 178
-
10 829
-
other
1 928
-
3 662
-
health
3 910
-
8 563
-
total
17 447
-
27 470
-
Corporate
55 694
129 000
-
-
income
15 595
36 120
-
-
surtax
-
-
-
-
total
15 595
36 120
-
-
Dividends
40 099
92 880
-
-
withholding
5 133
11 888
-
-
surtax
-
-
-
-
social contributions
6 897
15 976
-
-
total
12 030
27 864
-
-
Income
129 000
129 000
129 000
129 000
Total tax
57 855
63 984
54 959
55 848
After tax
71 145
65 016
74 041
73 152
Living cost
43 076
43 076
43 076
43 076
Free-cash
28 069
21 940
30 965
30 076

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
₽60250
₽60250
₽77827
₽73452
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.

-
-
-
129 000
income
-
-
-
28 536
health
-
-
-
6 768
unemployment
-
-
-
986
pensions
-
-
-
17 084
total
-
-
-
53 374
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
-
117 238
-
income
3 196
-
28 536
-
health
1 194
-
3 384
-
unemployment
174
-
493
-
pensions
3 246
-
9 199
-
total
7 810
-
41 612
-
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
-
117 238
-
unemployment
174
-
493
-
pensions
2 782
-
7 885
-
health
1 194
-
3 384
-
total
4 150
-
11 762
-
Corporate
101 663
129 000
-
-
income
15 250
19 350
-
-
total
15 250
19 350
-
-
Dividends
86 414
109 650
-
-
withholding
12 962
16 447
-
-
total
12 962
16 447
-
-
Income
129 000
129 000
129 000
129 000
Total tax
40 172
35 797
53 374
53 374
After tax
88 828
93 203
75 626
75 626
Living cost
15 376
15 376
15 376
15 376
Free-cash
73 452
77 827
60 250
60 250

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
₽36694
₽42965
-₽3260
₽23375
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
-
-
-
129 000
regional
-
-
-
5 984
national
-
-
-
1 703
health
-
-
-
291
city
-
-
-
1 359
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.

-
-
-
2 580
pensions
-
-
-
11 869
total
-
-
-
23 786
Employee
72 848
-
115 463
-
regional
2 385
-
5 183
-
city
782
-
1 241
-
health
165
-
259
-
unemployment
-
-
-
-
national
345
-
1 406
-
pensions
6 120
-
9 700
-
total
9 797
-
17 789
-
Employer
72 848
-
115 463
-
unemployment
-
-
-
-
pensions
6 120
-
9 700
-
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
-
2 309
-
health
165
-
259
-
total
7 741
-
12 268
-
Corporate
47 610
129 000
-
-
regional
10 069
27 283
-
-
national
4 047
10 965
-
-
total
14 116
38 248
-
-
Dividends
33 494
90 752
-
-
withholding
11 722
31 763
-
-
total
11 722
31 763
-
-
Income
129 000
129 000
129 000
129 000
Total tax
43 376
70 011
30 057
23 786
After tax
85 624
58 989
98 943
105 214
Living cost
62 249
62 249
62 249
62 249
Free-cash
23 375
-3 260
36 694
42 965

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
₽35217
₽52903
₽48337
₽49822
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

-
-
-
129 000
municipal
-
-
-
22 930
national
-
-
-
17 310
health
-
-
-
1 615
total
-
-
-
41 855
Employee
46 923
-
108 521
-
health
350
-
1 298
-
unemployment
704
-
1 628
-
national
775
-
11 123
-
municipal
7 686
-
17 688
-
pensions
3 167
-
7 325
-
total
12 682
-
39 062
-
Employer
46 923
-
108 521
-
unemployment
305
-
706
-
pensions
8 141
-
18 829
-
accident
47
-
108
-
health
361
-
836
-
total
8 854
-
20 479
-
Corporate
73 223
129 000
-
-
income
14 645
25 800
-
-
total
14 645
25 800
-
-
Dividends

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

43 933
77 400
-
-
national
848
6 688
-
-
municipal
7 907
13 933
-
-
total
8 755
20 621
-
-
Income
129 000
129 000
129 000
129 000
Total tax
44 936
46 421
59 541
41 855
After tax
84 064
82 579
69 459
87 145
Living cost
34 242
34 242
34 242
34 242
Free-cash
49 822
48 337
35 217
52 903

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
₽14467
₽24111
₽39685
₽26308
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
-
-
-
129 000
national
-
-
-
45 620
social contributions
-
-
-
20 224
communal

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

-
-
-
6 526
total
-
-
-
72 370
Employee

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

63 796
-
99 916
-
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
-
4 697
-
communal

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

3 327
-
5 211
-
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
-
870
-
national
19 614
-
34 659
-
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
-
7 494
-
total
31 278
-
52 931
-
Employer

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

63 796
-
99 916
-
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
-
1 459
-
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
-
8 852
-
surtax
7 234
-
11 330
-
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
-
1 298
-
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
-
6 144
-
total
18 570
-
29 083
-
Corporate
46 633
129 000
-
-
income
9 327
25 800
-
-
surtax
186
516
-
-
total
9 513
26 316
-
-
Dividends
37 120
102 683
-
-
withholding

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

10 812
30 480
-
-
total
10 812
30 480
-
-
Income
129 000
129 000
129 000
129 000
Total tax
70 173
56 796
82 014
72 370
After tax
58 827
72 204
46 986
56 630
Living cost
32 519
32 519
32 519
32 519
Free-cash
26 308
39 685
14 467
24 111

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
₽31052
₽31979
₽34284
₽33472
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
-
-
-
129 000
municipal
-
-
-
31 623
national
-
-
-
6 296
health
-
-
-
4 944
accident
-
-
-
158
unemployment
-
-
-
79
pensions
-
-
-
8 565
other
-
-
-
9 206
total
-
-
-
60 871
Employee
51 511
-
104 106
-
national
-
-
5 860
-
municipal
15 361
-
31 044
-
total
15 361
-
36 904
-
Employer
51 511
-
104 106
-
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
61 304
129 000
-
-
income
13 487
28 380
-
-
total
13 487
28 380
-
-
Dividends
47 817
100 620
-
-
withholding
14 345
30 186
-
-
total
14 345
30 186
-
-
Income
129 000
129 000
129 000
129 000
Total tax
59 378
58 566
61 798
60 871
After tax
69 622
70 434
67 202
68 129
Living cost
36 150
36 150
36 150
36 150
Free-cash
33 472
34 284
31 052
31 979

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
₽78394
₽50367
₽39702
-₽5014
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
-
-
-
129 000
income
-
-
-
25 145
social contributions
-
-
-
14 706
total
-
-
-
39 851
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
-
129 000
-
-
income
-
28 380
-
-
total
-
28 380
-
-
Dividends
-
100 620
-
-
income
-
22 136
-
-
total
-
22 136
-
-
Income
129 000
129 000
129 000
129 000
Total tax
95 232
50 516
11 824
39 851
After tax
33 768
78 484
117 176
89 149
Living cost
38 782
38 782
38 782
38 782
Free-cash
-5 014
39 702
78 394
50 367

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
₽59440
₽60651
₽65271
₽61571
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
-
-
-
129 000
income
-
-
-
21 701
social contributions
-
-
-
14 430
health
-
-
-
3 290
total
-
-
-
39 421
Employee
68 581
68 581
119 119
-
income
7 202
6 349
21 050
-
social contributions
3 333
5 692
7 677
-
health
682
1 166
2 024
-
total
11 217
13 207
30 751
-
Employer
68 581
68 581
119 119
-
social contributions
3 333
5 692
7 677
-
health
743
1 269
2 204
-
total
4 076
6 961
9 881
-
Corporate
84 780
53 458
-
-
income
10 597
6 682
-
-
total
10 597
6 682
-
-
Dividends
74 184
46 776
-
-
withholding
12 611
7 951
-
-
total
12 611
7 951
-
-
Income
129 000
129 000
129 000
129 000
Total tax
38 501
34 801
40 632
39 421
After tax
90 499
94 199
88 368
89 579
Living cost
28 928
28 928
28 928
28 928
Free-cash
61 571
65 271
59 440
60 651

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
₽43401
₽55204
₽54860
₽59708
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
-
-
-
129 000
income
-
-
-
34 416
pensions
-
-
-
7 307
total
-
-
-
41 723
Employee
44 025
-
112 903
-
income
8 017
-
26 545
-
health
574
-
1 727
-
pensions
3 360
-
9 157
-
total
11 951
-
37 429
-
Employer
44 025
-
112 903
-
pensions
4 448
-
13 952
-
health
837
-
2 145
-
total
5 285
-
16 097
-
Corporate
79 690
129 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

15 141
24 510
-
-
total
15 141
24 510
-
-
Dividends
64 549
104 490
-
-
withholding
4 842
17 557
-
-
total
4 842
17 557
-
-
Income
129 000
129 000
129 000
129 000
Total tax
37 219
42 067
53 526
41 723
After tax
91 781
86 933
75 474
87 277
Living cost
32 073
32 073
32 073
32 073
Free-cash
59 708
54 860
43 401
55 204

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
₽20400
₽26240
₽32419
₽28361
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
-
-
-
129 000
municipal
-
-
-
863
regional
-
-
-
2 924
national
-
-
-
30 265
social contributions
-
-
-
33 178
total
-
-
-
67 230
Employee
75 155
-
129 000
-
regional
1 135
-
2 538
-
social contributions
25 342
-
43 499
-
national
12 701
-
26 263
-
municipal
449
-
770
-
total
39 627
-
73 070
-
Employer
75 155
-
129 000
-
total
-
-
-
-
Corporate
53 845
129 000
-
-
nationa
12 922
30 959
-
-
municipal
2 595
6 218
-
-
total
15 517
37 177
-
-
Dividends
38 328
91 823
-
-
withholding
9 965
23 874
-
-
total
9 965
23 874
-
-
Income
129 000
129 000
129 000
129 000
Total tax
65 109
61 051
73 070
67 230
After tax
63 891
67 949
55 930
61 770
Living cost
35 530
35 530
35 530
35 530
Free-cash
28 361
32 419
20 400
26 240

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
₽50763
₽69652
-₽8156
₽7594
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
-
-
-
129 000
income
-
-
-
34 853
health
-
-
-
1 844
accident
-
-
-
214
pensions
-
-
-
3 519
other
-
-
-
313
total
-
-
-
40 743
Employee
29 267
-
114 947
-
income
4 015
-
25 965
-
health
3 351
-
13 162
-
pensions
3 296
-
6 452
-
total
10 662
-
45 579
-
Employer
29 267
-
114 947
-
unemployment
717
-
2 816
-
pensions
4 759
-
9 317
-
accident
489
-
1 920
-
total
5 965
-
14 053
-
Corporate
93 769
129 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

84 392
116 100
-
-
total
84 392
116 100
-
-
Dividends
9 377
12 900
-
-
withholding
1 782
2 451
-
-
total
1 782
2 451
-
-
Income
129 000
129 000
129 000
129 000
Total tax
102 801
118 551
59 632
40 743
After tax
26 199
10 449
69 368
88 257
Living cost
18 605
18 605
18 605
18 605
Free-cash
7 594
-8 156
50 763
69 652

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
₽49692
₽37130
₽32002
₽43671
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.

-
-
-
129 000
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.

-
-
-
36 759
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
-
-
-
12 562
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.

-
-
-
2 023
total
-
-
-
57 437
Employee

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

44 376
-
129 000
-
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
-
36 759
-
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
-
2 023
-
total
9 943
-
44 875
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
84 624
129 000
-
-
chamber of commerce
259
325
-
-
income
12 694
19 350
-
-
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.

697
1 065
-
-
trade
12 144
18 511
-
-
total
25 794
39 251
-
-
Dividends
58 830
89 749
-
-
withholding
14 369
22 099
-
-
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.

790
1 215
-
-
total
15 159
23 314
-
-
Income
129 000
129 000
129 000
129 000
Total tax
50 896
62 565
44 875
57 437
After tax
78 104
66 435
84 125
71 563
Living cost
34 433
34 433
34 433
34 433
Free-cash
43 671
32 002
49 692
37 130

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
₽60550
₽22583
₽84645
₽77330
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.

-
-
-
129 000
microenterprise
-
-
-
-
income
-
-
-
20 795
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
-
-
-
32 895
total
-
-
-
87 862
Employee
26 061
-
91 633
-
income
4 639
-
17 742
-
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
-
10 079
-
surtax
-
-
-
-
total
7 506
-
27 821
-
Employer
26 061
-
91 633
-
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
-
22 074
-
surtax
-
-
-
-
total
6 277
-
22 074
-
Corporate
96 661
129 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

19 332
25 800
-
-
total
19 332
25 800
-
-
Dividends

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

77 330
103 200
-
-
total
-
-
-
-
Income
129 000
129 000
129 000
129 000
Total tax
33 115
25 800
49 895
87 862
After tax
95 885
103 200
79 105
41 138
Living cost
18 555
18 555
18 555
18 555
Free-cash
77 330
84 645
60 550
22 583

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
₽64441
₽65274
₽68792
₽66870
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
-
-
-
129 000
income
-
-
-
37 296
health
-
-
-
6 189
pensions
-
-
-
8 537
total
-
-
-
52 022
Employee
17 826
-
119 396
-
income
3 448
-
36 848
-
health
891
-
2 134
-
unemployment
178
-
427
-
pensions
1 604
-
3 842
-
total
6 121
-
43 251
-
Employer
17 826
-
119 396
-
unemployment
357
-
854
-
pensions
1 961
-
4 695
-
health
1 694
-
4 055
-
total
4 012
-
9 604
-
Corporate
107 163
129 000
-
-
income
23 576
28 380
-
-
total
23 576
28 380
-
-
Dividends
83 587
100 620
-
-
withholding
16 717
20 124
-
-
total
16 717
20 124
-
-
Income
129 000
129 000
129 000
129 000
Total tax
50 426
48 504
52 855
52 022
After tax
78 574
80 496
76 145
76 978
Living cost
11 704
11 704
11 704
11 704
Free-cash
66 870
68 792
64 441
65 274

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
₽37756
₽41180
₽61108
₽58271
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
-
-
-
129 000
income
-
-
-
30 919
health
-
-
-
8 451
unemployment
-
-
-
203
surtax
-
-
-
4 407
pensions
-
-
-
23 807
other
-
-
-
-
total
-
-
-
67 787
Employee
30 035
-
106 568
-
other
-
-
-
-
income
5 035
-
27 671
-
health
767
-
2 718
-
unemployment
2 090
-
7 417
-
surtax
107
-
3 866
-
pensions
2 004
-
7 109
-
total
10 003
-
48 781
-
Employer
30 035
-
106 568
-
unemployment
953
-
3 378
-
pensions
4 004
-
14 205
-
other
-
-
-
-
health
1 366
-
4 847
-
total
6 323
-
22 430
-
Corporate
92 642
129 000
-
-
income
24 086
33 540
-
-
total
24 086
33 540
-
-
Dividends
68 556
95 460
-
-
withholding
10 284
14 319
-
-
total
10 284
14 319
-
-
Income
129 000
129 000
129 000
129 000
Total tax
50 696
47 859
71 211
67 787
After tax
78 304
81 141
57 789
61 213
Living cost
20 033
20 033
20 033
20 033
Free-cash
58 271
61 108
37 756
41 180

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
₽5588
₽37538
₽43287
₽42842
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
-
-
-
129 000
income
-
-
-
29 776
chamber of commerce
-
-