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
₽ 130000
per

Your estimated
City
free-cash

Valencia , Spain
₽45560
₽49237
₽62956
₽58937
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
-
-
-
130 000
income
-
-
-
32 527
accident
-
-
-
728
unemployment
-
-
-
566
pensions
-
-
-
22 877
other
-
-
-
81
total
-
-
-
56 779
Employee
32 249
-
104 228
-
other
31
-
81
-
income
6 217
-
29 551
-
unemployment
500
-
1 253
-
pensions
1 516
-
3 800
-
total
8 264
-
34 685
-
Employer
32 249
-
104 228
-
unemployment
1 774
-
4 446
-
pensions
7 610
-
19 078
-
other
258
-
647
-
accident
639
-
1 600
-
total
10 281
-
25 771
-
Corporate
87 469
130 000
-
-
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.

13 120
19 500
-
-
total
13 120
19 500
-
-
Dividends
74 349
110 500
-
-
withholding
15 414
23 560
-
-
total
15 414
23 560
-
-
Income
130 000
130 000
130 000
130 000
Total tax
47 079
43 060
60 456
56 779
After tax
82 921
86 940
69 544
73 221
Living cost
23 984
23 984
23 984
23 984
Free-cash
58 937
62 956
45 560
49 237

Estimated living cost  is ₽23984 per week

₽16189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2306
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽5070
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
₽51007
₽45629
₽72271
₽66380
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
-
-
-
130 000
income
-
-
-
18 036
health
-
-
-
5 720
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.

-
-
-
31 200
other
-
-
-
6 175
total
-
-
-
61 131
Employee
31 668
-
103 834
-
income
5 452
-
19 828
-
health
444
-
1 453
-
unemployment
316
-
1 038
-
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.

2 216
-
7 268
-
total
8 428
-
29 587
-
Employer
31 668
-
103 834
-
unemployment
316
-
1 038
-
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.

5 384
-
17 652
-
other
1 584
-
5 192
-
accident
253
-
831
-
health
444
-
1 453
-
total
7 981
-
26 166
-
Corporate
90 352
130 000
-
-
income
18 974
27 299
-
-
total
18 974
27 299
-
-
Dividends
71 377
102 701
-
-
withholding
4 997
7 190
-
-
total
4 997
7 190
-
-
Income
130 000
130 000
130 000
130 000
Total tax
40 380
34 489
55 753
61 131
After tax
89 620
95 511
74 247
68 869
Living cost
23 240
23 240
23 240
23 240
Free-cash
66 380
72 271
51 007
45 629

Estimated living cost  is ₽23240 per week

₽16420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽374
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.
₽4876
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
₽95743
₽90904
₽99699
₽95643
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
-
-
-
130 000
income
-
-
-
19 500
health
-
-
-
3 508
unemployment
-
-
-
122
pensions

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

-
-
-
4 515
total
-
-
-
27 645
Employee
15 162
-
124 015
-
income
1 516
-
12 402
-
health
697
-
1 403
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 331
-
2 679
-
total
3 711
-
16 820
-
Employer
15 162
-
124 015
-
unemployment
91
-
183
-
pensions

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

1 671
-
3 362
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 047
-
2 105
-
total
2 976
-
5 986
-
Corporate
111 863
130 000
-
-
income
11 186
13 000
-
-
total
11 186
13 000
-
-
Dividends
100 676
117 000
-
-
withholding
5 033
5 850
-
-
total
5 033
5 850
-
-
Income
130 000
130 000
130 000
130 000
Total tax
22 906
18 850
22 806
27 645
After tax
107 094
111 150
107 194
102 355
Living cost
11 451
11 451
11 451
11 451
Free-cash
95 643
99 699
95 743
90 904

Estimated living cost  is ₽11451 per week

₽6685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽818
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽303
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.
₽3645
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
₽44244
₽43801
₽35679
₽40832
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
-
-
-
130 000
income
-
-
-
18 432
social contributions
-
-
-
3 704
health
-
-
-
4 760
surtax
-
-
-
-
pensions
-
-
-
25 433
other
-
-
-
4 030
total
-
-
-
56 359
Employee
37 327
-
102 054
-
income
2 203
-
18 563
-
social contributions
1 064
-
2 908
-
surtax
-
-
-
-
pensions
4 221
-
6 498
-
total
7 488
-
27 969
-
Employer
37 327
-
102 054
-
unemployment
1 511
-
4 133
-
social contributions
113
-
306
-
pensions
6 132
-
11 047
-
other
1 288
-
3 726
-
health
2 613
-
8 735
-
total
11 657
-
27 947
-
Corporate
81 016
130 000
-
-
income
22 685
36 401
-
-
surtax
-
-
-
-
total
22 685
36 401
-
-
Dividends
58 331
93 599
-
-
withholding
7 466
11 981
-
-
surtax
-
-
-
-
social contributions
10 032
16 099
-
-
total
17 498
28 080
-
-
Income
130 000
130 000
130 000
130 000
Total tax
59 328
64 481
55 916
56 359
After tax
70 672
65 519
74 084
73 641
Living cost
29 840
29 840
29 840
29 840
Free-cash
40 832
35 679
44 244
43 801

Estimated living cost  is ₽29840 per week

₽18815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2426
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽8092
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
₽42120
₽36878
₽27473
₽22131
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
-
-
-
130 000
income
-
-
-
35 612
health
-
-
-
10 755
pensions
-
-
-
10 219
total
-
-
-
56 586
Employee
74 480
74 480
113 792
-
income

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

12 191
12 191
14 162
-
health
11 432
9 724
10 755
-
pensions
13 406
10 219
10 219
-
total
37 029
32 134
35 136
-
Employer
74 480
74 480
113 792
-
unemployment
2 681
2 681
3 332
-
pensions
5 184
5 184
6 443
-
health
5 177
5 177
6 433
-
total
13 042
13 042
16 208
-
Corporate
43 392
42 478
-
-
income
8 678
8 496
-
-
total
8 678
8 496
-
-
Dividends
34 714
33 982
-
-
withholding
5 207
5 098
-
-
income
7 377
7 221
-
-
total
12 584
12 319
-
-
Income
130 000
130 000
130 000
130 000
Total tax
71 333
65 991
51 344
56 586
After tax
58 667
64 009
78 656
73 414
Living cost
36 536
36 536
36 536
36 536
Free-cash
22 131
27 473
42 120
36 878

Estimated living cost  is ₽36536 per week

₽25892
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.
₽581
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.
₽6769
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
₽57995
₽43907
₽39190
₽48839
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.

-
-
-
130 000
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.

-
-
-
37 564
health

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

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

-
-
-
5 958
trade
-
-
-
14 088
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.

-
-
-
2 066
total
-
-
-
59 676
Employee

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

33 359
-
130 000
-
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.

932
-
37 564
-
health

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

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

5 958
-
5 958
-
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.

51
-
2 066
-
total
6 941
-
45 588
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
96 641
130 000
-
-
chamber of commerce
271
319
-
-
income
14 495
19 500
-
-
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.

798
1 073
-
-
trade
15 220
20 475
-
-
total
30 784
41 367
-
-
Dividends
65 856
88 632
-
-
withholding
16 132
21 826
-
-
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.

887
1 200
-
-
total
17 019
23 026
-
-
Income
130 000
130 000
130 000
130 000
Total tax
54 744
64 393
45 588
59 676
After tax
75 256
65 607
84 412
70 324
Living cost
26 417
26 417
26 417
26 417
Free-cash
48 839
39 190
57 995
43 907

Estimated living cost  is ₽26417 per week

₽16617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽6226
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
₽68638
₽69845
₽74722
₽69973
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
-
-
-
130 000
income
-
-
-
22 536
social contributions
-
-
-
14 111
health
-
-
-
3 315
total
-
-
-
39 962
Employee
67 066
67 066
120 268
-
income
7 302
6 208
21 885
-
social contributions
2 536
5 566
7 508
-
health
520
1 140
2 044
-
total
10 358
12 914
31 437
-
Employer
67 066
67 066
120 268
-
social contributions
2 536
5 566
7 508
-
health
564
1 241
2 224
-
total
3 100
6 807
9 732
-
Corporate
96 349
56 127
-
-
income
12 044
7 016
-
-
total
12 044
7 016
-
-
Dividends
84 305
49 111
-
-
withholding
14 332
8 348
-
-
total
14 332
8 348
-
-
Income
130 000
130 000
130 000
130 000
Total tax
39 834
35 085
41 169
39 962
After tax
90 166
94 915
88 831
90 038
Living cost
20 193
20 193
20 193
20 193
Free-cash
69 973
74 722
68 638
69 845

Estimated living cost  is ₽20193 per week

₽12102
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
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.
₽5664
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
₽33924
₽43088
₽46588
₽45708
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.

-
-
-
130 000
income
-
-
-
14 381
social contributions

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

-
-
-
45 174
surtax
-
-
-
-
total
-
-
-
59 555
Employee
40 113
-
105 051
-
income
8 344
-
32 214
-
social contributions
4 413
-
11 556
-
surtax
-
-
-
-
total
12 757
-
43 770
-
Employer
40 113
-
105 051
-
social contributions
9 527
-
24 949
-
total
9 527
-
24 949
-
Corporate
80 360
130 000
-
-
income
16 875
27 299
-
-
surtax
-
-
-
-
total
16 875
27 299
-
-
Dividends
63 485
102 701
-
-
withholding
17 776
28 756
-
-
total
17 776
28 756
-
-
Income
130 000
130 000
130 000
130 000
Total tax
56 935
56 055
68 719
59 555
After tax
73 065
73 945
61 281
70 445
Living cost
27 357
27 357
27 357
27 357
Free-cash
45 708
46 588
33 924
43 088

Estimated living cost  is ₽27357 per week

₽20469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
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.
₽4818
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽97731
₽122431
₽117231
₽116056
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%.

-
-
-
130 000
microenterprise

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

-
-
-
1 300
total
-
-
-
1 300
Employee
7 836
-
130 000
-
income
1 567
-
26 000
-
total
1 567
-
26 000
-
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%.

122 164
130 000
-
-
total
-
-
-
-
Dividends
122 164
130 000
-
-
withholding
6 108
6 500
-
-
total
6 108
6 500
-
-
Income
130 000
130 000
130 000
130 000
Total tax
7 675
6 500
26 000
1 300
After tax
122 325
123 500
104 000
128 700
Living cost
6 269
6 269
6 269
6 269
Free-cash
116 056
117 231
97 731
122 431

Estimated living cost  is ₽6269 per week

₽3885
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽521
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
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.
₽1690
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
₽37856
₽41298
₽66110
₽58815
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.

-
-
-
130 000
income
-
-
-
28 580
health
-
-
-
12 792
unemployment
-
-
-
195
pensions
-
-
-
23 741
total
-
-
-
65 308
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.

38 568
-
112 486
-
income
6 651
-
26 378
-
health
2 491
-
7 266
-
unemployment
55
-
157
-
pensions
5 978
-
17 435
-
total
15 175
-
51 236
-
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.

38 568
-
112 486
-
unemployment
23
-
68
-
pensions
3 413
-
9 955
-
health
2 569
-
7 491
-
total
6 005
-
17 514
-
Corporate
85 428
130 000
-
-
income
16 232
24 701
-
-
total
16 232
24 701
-
-
Dividends
69 196
105 299
-
-
withholding
10 379
15 795
-
-
total
10 379
15 795
-
-
Income
130 000
130 000
130 000
130 000
Total tax
47 791
40 496
68 750
65 308
After tax
82 209
89 504
61 250
64 692
Living cost
23 394
23 394
23 394
23 394
Free-cash
58 815
66 110
37 856
41 298

Estimated living cost  is ₽23394 per week

₽16055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1500
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5387
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
₽62214
₽67819
₽48232
₽51280
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.

-
-
-
130 000
income
-
-
-
24 827
health

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

-
-
-
5 694
total
-
-
-
30 521
Employee
40 010
-
125 988
-
social contributions
4 009
-
4 012
-
income
4 341
-
28 102
-
total
8 350
-
32 114
-
Employer
40 010
-
125 988
-
social contributions
4 009
-
4 012
-
total
4 009
-
4 012
-
Corporate
85 981
130 000
-
-
income
30 093
45 500
-
-
total
30 093
45 500
-
-
Dividends
55 888
84 500
-
-
social contributions
4 608
4 608
-
-
total
4 608
4 608
-
-
Income
130 000
130 000
130 000
130 000
Total tax
47 060
50 108
36 126
30 521
After tax
82 940
79 892
93 874
99 479
Living cost
31 660
31 660
31 660
31 660
Free-cash
51 280
48 232
62 214
67 819

Estimated living cost  is ₽31660 per week

₽20854
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2496
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7824
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
₽63006
₽64993
₽60817
₽61269
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
-
-
-
130 000
income
-
-
-
19 500
social contributions
-
-
-
17 940
health
-
-
-
9 073
total
-
-
-
46 513
Employee
29 572
-
130 000
-
income
4 932
-
21 487
-
social contributions
4 081
-
17 940
-
health
2 064
-
9 073
-
total
11 077
-
48 500
-
Employer
29 572
-
130 000
-
total
-
-
-
-
Corporate
100 428
130 000
-
-
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%.

5 022
6 500
-
-
total
5 022
6 500
-
-
Dividends
95 407
123 500
-
-
withholding
14 312
18 526
-
-
health
6 660
8 620
-
-
social contributions
13 166
17 043
-
-
total
34 138
44 189
-
-
Income
130 000
130 000
130 000
130 000
Total tax
50 237
50 689
48 500
46 513
After tax
79 763
79 311
81 500
83 487
Living cost
18 494
18 494
18 494
18 494
Free-cash
61 269
60 817
63 006
64 993

Estimated living cost  is ₽18494 per week

₽12377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4550
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
₽42937
₽48533
₽65893
₽57469
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
-
-
-
130 000
income
-
-
-
12 732
social contributions
-
-
-
27 573
solidarity contribution
-
-
-
-
health
-
-
-
17 550
total
-
-
-
57 855
Employee
34 724
-
97 608
-
solidarity contribution
-
-
-
-
income
4 167
-
11 744
-
social contributions
2 257
-
6 138
-
health
4 688
-
13 177
-
total
11 112
-
31 059
-
Employer
34 724
-
97 608
-
social contributions
8 681
-
23 607
-
health
3 125
-
8 785
-
total
11 806
-
32 392
-
Corporate
83 470
130 000
-
-
income
15 859
24 700
-
-
total
15 859
24 700
-
-
Dividends
67 611
105 300
-
-
withholding
10 142
15 795
-
-
total
10 142
15 795
-
-
Income
130 000
130 000
130 000
130 000
Total tax
48 919
40 495
63 451
57 855
After tax
81 081
89 505
66 549
72 145
Living cost
23 612
23 612
23 612
23 612
Free-cash
57 469
65 893
42 937
48 533

Estimated living cost  is ₽23612 per week

₽17560
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1308
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4336
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
₽94231
₽118931
₽113731
₽111900
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%.

-
-
-
130 000
microenterprise

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

-
-
-
1 300
total
-
-
-
1 300
Employee
12 211
-
130 000
-
income
2 442
-
26 000
-
total
2 442
-
26 000
-
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%.

117 789
130 000
-
-
total
-
-
-
-
Dividends
117 789
130 000
-
-
withholding
5 889
6 500
-
-
total
5 889
6 500
-
-
Income
130 000
130 000
130 000
130 000
Total tax
8 331
6 500
26 000
1 300
After tax
121 669
123 500
104 000
128 700
Living cost
9 769
9 769
9 769
9 769
Free-cash
111 900
113 731
94 231
118 931

Estimated living cost  is ₽9769 per week

₽6611
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
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.
₽2420
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
₽31959
₽31516
₽23394
₽29388
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
-
-
-
130 000
income
-
-
-
18 432
social contributions
-
-
-
3 704
health
-
-
-
4 760
surtax
-
-
-
-
pensions
-
-
-
25 433
other
-
-
-
4 030
total
-
-
-
56 359
Employee
54 626
-
102 054
-
income
4 766
-
18 563
-
social contributions
1 556
-
2 908
-
surtax
-
-
-
-
pensions
6 179
-
6 498
-
total
12 501
-
27 969
-
Employer
54 626
-
102 054
-
unemployment
2 213
-
4 133
-
social contributions
164
-
306
-
pensions
8 976
-
11 047
-
other
1 885
-
3 726
-
health
3 823
-
8 735
-
total
17 061
-
27 947
-
Corporate
58 314
130 000
-
-
income
16 328
36 401
-
-
surtax
-
-
-
-
total
16 328
36 401
-
-
Dividends
41 986
93 599
-
-
withholding
5 374
11 981
-
-
surtax
-
-
-
-
social contributions
7 223
16 099
-
-
total
12 597
28 080
-
-
Income
130 000
130 000
130 000
130 000
Total tax
58 487
64 481
55 916
56 359
After tax
71 513
65 519
74 084
73 641
Living cost
42 125
42 125
42 125
42 125
Free-cash
29 388
23 394
31 959
31 516

Estimated living cost  is ₽42125 per week

₽28509
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3446
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
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.
₽9591
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
₽61800
₽61800
₽78886
₽74608
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.

-
-
-
130 000
income
-
-
-
28 867
health
-
-
-
6 620
unemployment
-
-
-
964
pensions
-
-
-
16 710
total
-
-
-
53 161
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.

22 678
-
118 496
-
income
3 126
-
28 867
-
health
1 168
-
3 310
-
unemployment
170
-
482
-
pensions
3 175
-
8 998
-
total
7 639
-
41 657
-
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.

22 678
-
118 496
-
unemployment
170
-
482
-
pensions
2 721
-
7 712
-
health
1 168
-
3 310
-
total
4 059
-
11 504
-
Corporate
103 263
130 000
-
-
income
15 489
19 500
-
-
total
15 489
19 500
-
-
Dividends
87 773
110 500
-
-
withholding
13 166
16 575
-
-
total
13 166
16 575
-
-
Income
130 000
130 000
130 000
130 000
Total tax
40 353
36 075
53 161
53 161
After tax
89 647
93 925
76 839
76 839
Living cost
15 039
15 039
15 039
15 039
Free-cash
74 608
78 886
61 800
61 800

Estimated living cost  is ₽15039 per week

₽10126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1163
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.
₽3315
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
₽38680
₽44934
-₽1444
₽24610
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
-
-
-
130 000
regional
-
-
-
6 135
national
-
-
-
1 819
health
-
-
-
292
city
-
-
-
1 370
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.

-
-
-
2 601
pensions
-
-
-
11 960
total
-
-
-
24 177
Employee
71 255
-
116 359
-
regional
2 333
-
5 317
-
city
765
-
1 250
-
health
161
-
261
-
unemployment
-
-
-
-
national
337
-
1 467
-
pensions
5 986
-
9 774
-
total
9 582
-
18 069
-
Employer
71 255
-
116 359
-
unemployment
-
-
-
-
pensions
5 986
-
9 774
-
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.

1 425
-
2 327
-
health
161
-
261
-
total
7 572
-
12 362
-
Corporate
50 389
130 000
-
-
regional
10 658
27 496
-
-
national
4 283
11 050
-
-
total
14 941
38 546
-
-
Dividends
35 448
91 454
-
-
withholding
12 406
32 009
-
-
total
12 406
32 009
-
-
Income
130 000
130 000
130 000
130 000
Total tax
44 501
70 555
30 431
24 177
After tax
85 499
59 445
99 569
105 823
Living cost
60 889
60 889
60 889
60 889
Free-cash
24 610
-1 444
38 680
44 934

Estimated living cost  is ₽60889 per week

₽39595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5464
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽748
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.
₽15082
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
₽36215
₽53796
₽49443
₽51066
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

-
-
-
130 000
municipal
-
-
-
23 105
national
-
-
-
17 975
health
-
-
-
1 639
total
-
-
-
42 719
Employee
45 887
-
109 363
-
health
343
-
1 321
-
unemployment
689
-
1 640
-
national
758
-
11 498
-
municipal
7 516
-
17 824
-
pensions
3 097
-
7 382
-
total
12 403
-
39 665
-
Employer
45 887
-
109 363
-
unemployment
298
-
710
-
pensions
7 961
-
18 974
-
accident
46
-
109
-
health
353
-
842
-
total
8 658
-
20 635
-
Corporate
75 456
130 000
-
-
income
15 091
26 000
-
-
total
15 091
26 000
-
-
Dividends

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

45 273
78 000
-
-
national
1 147
7 032
-
-
municipal
8 150
14 040
-
-
total
9 297
21 072
-
-
Income
130 000
130 000
130 000
130 000
Total tax
45 449
47 072
60 300
42 719
After tax
84 551
82 928
69 700
87 281
Living cost
33 485
33 485
33 485
33 485
Free-cash
51 066
49 443
36 215
53 796

Estimated living cost  is ₽33485 per week

₽21872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽7860
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
₽15287
₽25034
₽40953
₽27872
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
-
-
-
130 000
national
-
-
-
46 263
social contributions
-
-
-
20 322
communal

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

-
-
-
6 581
total
-
-
-
73 166
Employee

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

62 387
-
100 690
-
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.

2 931
-
4 734
-
communal

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

3 254
-
5 252
-
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.

543
-
876
-
national
19 180
-
35 189
-
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.

4 679
-
7 552
-
total
30 587
-
53 603
-
Employer

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

62 387
-
100 690
-
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.

910
-
1 470
-
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.

5 528
-
8 921
-
surtax
7 074
-
11 417
-
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.

811
-
1 309
-
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.

3 837
-
6 193
-
total
18 160
-
29 310
-
Corporate
49 453
130 000
-
-
income
9 891
26 000
-
-
surtax
199
520
-
-
total
10 090
26 520
-
-
Dividends
39 364
103 480
-
-
withholding

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

11 491
30 727
-
-
total
11 491
30 727
-
-
Income
130 000
130 000
130 000
130 000
Total tax
70 328
57 247
82 913
73 166
After tax
59 672
72 753
47 087
56 834
Living cost
31 800
31 800
31 800
31 800
Free-cash
27 872
40 953
15 287
25 034

Estimated living cost  is ₽31800 per week

₽20484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽8039
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
₽31858
₽32726
₽35236
₽34434
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
-
-
-
130 000
municipal
-
-
-
31 998
national
-
-
-
6 838
health
-
-
-
4 888
accident
-
-
-
157
unemployment
-
-
-
78
pensions
-
-
-
8 468
other
-
-
-
9 103
total
-
-
-
61 530
Employee
50 932
-
105 386
-
national
-
-
6 358
-
municipal
15 188
-
31 426
-
total
15 188
-
37 784
-
Employer
50 932
-
105 386
-
unemployment
1 345
-
2 068
-
pensions
5 506
-
8 468
-
other
5 918
-
9 103
-
accident
102
-
157
-
health
3 132
-
4 818
-
total
16 003
-
24 614
-
Corporate
63 065
130 000
-
-
income
13 874
28 600
-
-
total
13 874
28 600
-
-
Dividends
49 191
101 400
-
-
withholding
14 757
30 420
-
-
total
14 757
30 420
-
-
Income
130 000
130 000
130 000
130 000
Total tax
59 822
59 020
62 398
61 530
After tax
70 178
70 980
67 602
68 470
Living cost
35 744
35 744
35 744
35 744
Free-cash
34 434
35 236
31 858
32 726

Estimated living cost  is ₽35744 per week

₽23690
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
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.
₽8004
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
₽79347
₽51022
₽40274
-₽4139
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
-
-
-
130 000
income
-
-
-
25 340
social contributions
-
-
-
14 820
total
-
-
-
40 160
Employee
55 660
-
-
-
income
12 277
-
-
-
social contributions
4 564
-
650
-
total
16 841
-
650
-
Employer
55 660
-
-
-
social contributions
78 480
-
11 185
-
total
78 480
-
11 185
-
Corporate
-
130 000
-
-
income
-
28 600
-
-
total
-
28 600
-
-
Dividends
-
101 400
-
-
income
-
22 308
-
-
total
-
22 308
-
-
Income
130 000
130 000
130 000
130 000
Total tax
95 321
50 908
11 835
40 160
After tax
34 679
79 092
118 165
89 840
Living cost
38 818
38 818
38 818
38 818
Free-cash
-4 139
40 274
79 347
51 022

Estimated living cost  is ₽38818 per week

₽25187
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3651
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9486
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
₽60542
₽61749
₽66626
₽63008
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
-
-
-
130 000
income
-
-
-
22 536
social contributions
-
-
-
14 111
health
-
-
-
3 315
total
-
-
-
39 962
Employee
67 066
67 066
120 268
-
income
7 042
6 208
21 885
-
social contributions
3 259
5 566
7 508
-
health
667
1 140
2 044
-
total
10 968
12 914
31 437
-
Employer
67 066
67 066
120 268
-
social contributions
3 259
5 566
7 508
-
health
727
1 241
2 224
-
total
3 986
6 807
9 732
-
Corporate
86 757
56 127
-
-
income
10 844
7 016
-
-
total
10 844
7 016
-
-
Dividends
75 913
49 111
-
-
withholding
12 905
8 348
-
-
total
12 905
8 348
-
-
Income
130 000
130 000
130 000
130 000
Total tax
38 703
35 085
41 169
39 962
After tax
91 297
94 915
88 831
90 038
Living cost
28 289
28 289
28 289
28 289
Free-cash
63 008
66 626
60 542
61 749

Estimated living cost  is ₽28289 per week

₽19338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽6266
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
₽44203
₽56080
₽55623
₽60666
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
-
-
-
130 000
income
-
-
-
35 032
pensions
-
-
-
7 261
total
-
-
-
42 293
Employee
43 413
-
113 746
-
income
7 906
-
27 113
-
health
566
-
1 727
-
pensions
3 313
-
9 076
-
total
11 785
-
37 916
-
Employer
43 413
-
113 746
-
pensions
4 386
-
14 092
-
health
825
-
2 162
-
total
5 211
-
16 254
-
Corporate
81 376
130 000
-
-
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.

15 461
24 700
-
-
total
15 461
24 700
-
-
Dividends
65 915
105 300
-
-
withholding
5 250
18 050
-
-
total
5 250
18 050
-
-
Income
130 000
130 000
130 000
130 000
Total tax
37 707
42 750
54 170
42 293
After tax
92 293
87 250
75 830
87 707
Living cost
31 627
31 627
31 627
31 627
Free-cash
60 666
55 623
44 203
56 080

Estimated living cost  is ₽31627 per week

₽21696
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2908
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6625
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
₽21409
₽27228
₽33730
₽29761
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
-
-
-
130 000
municipal
-
-
-
869
regional
-
-
-
2 952
national
-
-
-
30 770
social contributions
-
-
-
33 436
total
-
-
-
68 027
Employee
73 494
-
130 000
-
regional
1 110
-
2 583
-
social contributions
24 782
-
43 835
-
national
12 420
-
26 652
-
municipal
439
-
776
-
total
38 751
-
73 846
-
Employer
73 494
-
130 000
-
total
-
-
-
-
Corporate
56 506
130 000
-
-
nationa
13 562
31 200
-
-
municipal
2 724
6 266
-
-
total
16 286
37 466
-
-
Dividends
40 219
92 533
-
-
withholding
10 457
24 059
-
-
total
10 457
24 059
-
-
Income
130 000
130 000
130 000
130 000
Total tax
65 494
61 525
73 846
68 027
After tax
64 506
68 475
56 154
61 973
Living cost
34 745
34 745
34 745
34 745
Free-cash
29 761
33 730
21 409
27 228

Estimated living cost  is ₽34745 per week

₽24406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2390
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7423
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
₽52174
₽70963
-₽7426
₽7775
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
-
-
-
130 000
income
-
-
-
35 397
health
-
-
-
1 780
accident
-
-
-
206
pensions
-
-
-
3 396
other
-
-
-
302
total
-
-
-
41 081
Employee
28 245
-
116 220
-
income
3 875
-
26 556
-
health
3 234
-
13 307
-
pensions
3 180
-
6 227
-
total
10 289
-
46 090
-
Employer
28 245
-
116 220
-
unemployment
692
-
2 847
-
pensions
4 593
-
8 992
-
accident
472
-
1 941
-
total
5 757
-
13 780
-
Corporate
95 998
130 000
-
-
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.

86 399
117 000
-
-
total
86 399
117 000
-
-
Dividends
9 600
13 000
-
-
withholding
1 824
2 470
-
-
total
1 824
2 470
-
-
Income
130 000
130 000
130 000
130 000
Total tax
104 269
119 470
59 870
41 081
After tax
25 731
10 530
70 130
88 919
Living cost
17 956
17 956
17 956
17 956
Free-cash
7 775
-7 426
52 174
70 963

Estimated living cost  is ₽17956 per week

₽13160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽995
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽3426
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
₽50740
₽37905
₽33271
₽44682
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.

-
-
-
130 000
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.

-
-
-
37 564
health

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

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

-
-
-
5 958
trade
-
-
-
12 835
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.

-
-
-
2 066
total
-
-
-
58 423
Employee

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

43 396
-
130 000
-
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.

3 568
-
37 564
-
health

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

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

5 958
-
5 958
-
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.

197
-
2 066
-
total
9 723
-
45 588
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
86 604
130 000
-
-
chamber of commerce
260
323
-
-
income
12 991
19 500
-
-
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.

715
1 073
-
-
trade
12 428
18 655
-
-
total
26 394
39 551
-
-
Dividends
60 210
90 450
-
-
withholding
14 720
22 281
-
-
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.

809
1 225
-
-
total
15 529
23 506
-
-
Income
130 000
130 000
130 000
130 000
Total tax
51 646
63 057
45 588
58 423
After tax
78 354
66 943
84 412
71 577
Living cost
33 672
33 672
33 672
33 672
Free-cash
44 682
33 271
50 740
37 905

Estimated living cost  is ₽33672 per week

₽23228
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3623
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽6332
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
₽61107
₽24067
₽85855
₽78699
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.

-
-
-
130 000
microenterprise
-
-
-
-
income
-
-
-
21 221
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.

-
-
-
33 417
surtax
-
-
-
33 150
total
-
-
-
87 788
Employee
25 485
-
93 128
-
income
4 537
-
18 070
-
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.

2 804
-
10 243
-
surtax
-
-
-
-
total
7 341
-
28 313
-
Employer
25 485
-
93 128
-
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.

6 139
-
22 435
-
surtax
-
-
-
-
total
6 139
-
22 435
-
Corporate
98 376
130 000
-
-
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%.

19 676
26 000
-
-
total
19 676
26 000
-
-
Dividends

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

78 700
104 000
-
-
total
-
-
-
-
Income
130 000
130 000
130 000
130 000
Total tax
33 156
26 000
50 748
87 788
After tax
96 844
104 000
79 252
42 212
Living cost
18 145
18 145
18 145
18 145
Free-cash
78 699
85 855
61 107
24 067

Estimated living cost  is ₽18145 per week

₽11576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1728
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽4429
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
₽65757
₽66560
₽69817
₽67961
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
-
-
-
130 000
income
-
-
-
37 915
health
-
-
-
5 977
pensions
-
-
-
8 245
total
-
-
-
52 137
Employee
17 216
-
120 725
-
income
3 330
-
37 482
-
health
861
-
2 061
-
unemployment
172
-
412
-
pensions
1 549
-
3 710
-
total
5 912
-
43 665
-
Employer
17 216
-
120 725
-
unemployment
344
-
824
-
pensions
1 894
-
4 535
-
health
1 636
-
3 916
-
total
3 874
-
9 275
-
Corporate
108 910
130 000
-
-
income
23 960
28 600
-
-
total
23 960
28 600
-
-
Dividends
84 950
101 400
-
-
withholding
16 990
20 280
-
-
total
16 990
20 280
-
-
Income
130 000
130 000
130 000
130 000
Total tax
50 736
48 880
52 940
52 137
After tax
79 264
81 120
77 060
77 863
Living cost
11 303
11 303
11 303
11 303
Free-cash
67 961
69 817
65 757
66 560

Estimated living cost  is ₽11303 per week

₽6717
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽916
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽259
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.
₽3411
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
₽38186
₽42100
₽62180
₽59406
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
-
-
-
130 000
income
-
-
-
31 968
health
-
-
-
8 264
unemployment
-
-
-
199
surtax
-
-
-
4 598
pensions
-
-
-
23 281
other
-
-
-
-
total
-
-
-
68 310
Employee
29 372
-
107 395
-
other
-
-
-
-
income
4 924
-
28 261
-
health
750
-
2 739
-
unemployment
2 044
-
7 474
-
surtax
104
-
3 981
-
pensions
1 960
-
7 163
-
total
9 782
-
49 618
-
Employer
29 372
-
107 395
-
unemployment
932
-
3 405
-
pensions
3 916
-
14 315
-
other
-
-
-
-
health
1 336
-
4 886
-
total
6 184
-
22 606
-
Corporate
94 445
130 000
-
-
income
24 555
33 801
-
-
total
24 555
33 801
-
-
Dividends
69 890
96 199
-
-
withholding
10 483
14 429
-
-
total
10 483
14 429
-
-
Income
130 000
130 000
130 000
130 000
Total tax
51 004
48 230
72 224
68 310
After tax
78 996
81 770
57 776
61 690
Living cost
19 590
19 590
19 590
19 590
Free-cash
59 406
62 180
38 186
42 100

Estimated living cost  is ₽19590 per week

₽11827
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1703
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5606
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
₽6139
₽38927
₽44422
₽43990
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
-
-
-
130 000
income
-
-
-
30 735
chamber of commerce
-
-