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
₽60970
₽47440
₽50837
₽64546
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
unemployment
-
-
-
525
income
-
-
-
34 394
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 233
total
-
-
-
56 903
Employee
29 932
-
106 080
-
unemployment
464
-
1 163
-
pensions
1 407
-
3 527
-
income
5 771
-
31 615
-
other
29
-
75
-
total
7 671
-
36 380
-
Employer
29 932
-
106 080
-
pensions
7 063
-
17 708
-
accident
593
-
1 485
-
unemployment
1 647
-
4 126
-
other
240
-
601
-
total
9 543
-
23 920
-
Corporate
90 525
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.

13 578
19 500
-
-
total
13 578
19 500
-
-
Dividends
76 947
110 500
-
-
withholding
15 978
23 694
-
-
total
15 978
23 694
-
-
Income
130 000
130 000
130 000
130 000
Total tax
46 770
43 194
60 300
56 903
After tax
83 230
86 806
69 700
73 097
Living cost
22 260
22 260
22 260
22 260
Free-cash
60 970
64 546
47 440
50 837

Estimated living cost  is ₽22260 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4705
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
₽68475
₽52411
₽48748
₽73942
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
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.

-
-
-
29 544
income
-
-
-
18 874
other
-
-
-
5 847
health
-
-
-
5 417
total
-
-
-
59 682
Employee
29 392
-
103 833
-
health
412
-
1 453
-
unemployment
293
-
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.

2 057
-
7 269
-
income
5 060
-
20 093
-
total
7 822
-
29 853
-
Employer
29 392
-
103 833
-
health
412
-
1 453
-
pensions

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

4 997
-
17 652
-
accident
235
-
831
-
unemployment
293
-
1 038
-
other
1 470
-
5 192
-
total
7 407
-
26 166
-
Corporate
93 200
130 000
-
-
income
19 572
27 299
-
-
total
19 572
27 299
-
-
Dividends
73 628
102 701
-
-
withholding
5 154
7 189
-
-
total
5 154
7 189
-
-
Income
130 000
130 000
130 000
130 000
Total tax
39 955
34 488
56 019
59 682
After tax
90 045
95 512
73 981
70 318
Living cost
21 570
21 570
21 570
21 570
Free-cash
68 475
73 942
52 411
48 748

Estimated living cost  is ₽21570 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4526
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
₽96773
₽97294
₽92332
₽100534
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
pensions

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

-
-
-
4 186
unemployment
-
-
-
113
income
-
-
-
19 500
health
-
-
-
3 253
total
-
-
-
27 052
Employee
14 057
-
124 451
-
health
647
-
1 301
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 234
-
2 483
-
income
1 405
-
12 445
-
total
3 441
-
16 540
-
Employer
14 057
-
124 451
-
health
970
-
1 952
-
pensions

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

1 549
-
3 117
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 758
-
5 550
-
Corporate
113 184
130 000
-
-
income
11 319
13 000
-
-
total
11 319
13 000
-
-
Dividends
101 866
117 000
-
-
withholding
5 093
5 850
-
-
total
5 093
5 850
-
-
Income
130 000
130 000
130 000
130 000
Total tax
22 611
18 850
22 090
27 052
After tax
107 389
111 150
107 910
102 948
Living cost
10 616
10 616
10 616
10 616
Free-cash
96 773
100 534
97 294
92 332

Estimated living cost  is ₽10616 per week

₽6198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3379
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
₽42605
₽45150
₽45767
₽37822
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
-
-
-
19 320
other
-
-
-
4 029
health
-
-
-
5 103
social contributions
-
-
-
3 704
pensions
-
-
-
24 381
surtax
-
-
-
-
total
-
-
-
56 537
Employee
34 645
-
101 435
-
pensions
3 917
-
6 710
-
income
2 045
-
18 993
-
social contributions
988
-
2 890
-
surtax
-
-
-
-
total
6 950
-
28 593
-
Employer
34 645
-
101 435
-
health
2 426
-
8 980
-
social contributions
104
-
304
-
pensions
5 692
-
11 359
-
unemployment
1 403
-
4 108
-
other
1 195
-
3 810
-
total
10 820
-
28 561
-
Corporate
84 535
130 000
-
-
income
23 669
36 400
-
-
surtax
-
-
-
-
total
23 669
36 400
-
-
Dividends
60 866
93 600
-
-
social contributions
10 469
16 101
-
-
surtax
-
-
-
-
withholding
7 791
11 981
-
-
total
18 260
28 082
-
-
Income
130 000
130 000
130 000
130 000
Total tax
59 699
64 482
57 154
56 537
After tax
70 301
65 518
72 846
73 463
Living cost
27 696
27 696
27 696
27 696
Free-cash
42 605
37 822
45 150
45 767

Estimated living cost  is ₽27696 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7510
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
₽25304
₽45944
₽38737
₽30263
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
pensions
-
-
-
9 484
income
-
-
-
37 886
health
-
-
-
9 982
total
-
-
-
57 352
Employee
69 128
69 128
114 956
-
health
10 610
9 025
9 982
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
15 636
-
total
34 368
29 824
35 102
-
Employer
69 128
69 128
114 956
-
health
4 805
4 805
5 971
-
pensions
4 811
4 811
5 980
-
unemployment
2 489
2 489
3 092
-
total
12 105
12 105
15 043
-
Corporate
49 615
48 767
-
-
income
9 924
9 753
-
-
total
9 924
9 753
-
-
Dividends
39 691
39 014
-
-
income
8 434
8 291
-
-
withholding
5 954
5 853
-
-
total
14 388
14 144
-
-
Income
130 000
130 000
130 000
130 000
Total tax
70 785
65 826
50 145
57 352
After tax
59 215
64 174
79 855
72 648
Living cost
33 911
33 911
33 911
33 911
Free-cash
25 304
30 263
45 944
38 737

Estimated living cost  is ₽33911 per week

₽24032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽50022
₽59029
₽44481
₽41070
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
trade
-
-
-
14 548
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.

-
-
-
38 788
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.

-
-
-
5 530
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.

-
-
-
2 134
total
-
-
-
61 000
Employee

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

30 962
-
130 000
-
health

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

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

5 530
-
5 530
-
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.

865
-
38 788
-
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.

48
-
2 134
-
total
6 443
-
46 452
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
99 038
130 000
-
-
income
14 856
19 500
-
-
trade
15 598
20 476
-
-
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.

817
1 072
-
-
chamber of commerce
266
310
-
-
total
31 537
41 358
-
-
Dividends
67 501
88 642
-
-
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.

911
1 201
-
-
withholding
16 568
21 852
-
-
total
17 479
23 053
-
-
Income
130 000
130 000
130 000
130 000
Total tax
55 459
64 411
46 452
61 000
After tax
74 541
65 589
83 548
69 000
Living cost
24 519
24 519
24 519
24 519
Free-cash
50 022
41 070
59 029
44 481

Estimated living cost  is ₽24519 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5779
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
₽71730
₽69565
₽70743
₽76136
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
-
-
-
24 103
health
-
-
-
3 315
social contributions
-
-
-
13 097
total
-
-
-
40 515
Employee
62 247
62 247
120 797
-
health
482
1 058
2 054
-
income
6 778
5 762
23 468
-
social contributions
2 353
5 166
6 968
-
total
9 613
11 986
32 490
-
Employer
62 247
62 247
120 797
-
health
524
1 152
2 235
-
social contributions
2 353
5 166
6 968
-
total
2 877
6 318
9 203
-
Corporate
98 767
61 435
-
-
income
12 346
7 679
-
-
total
12 346
7 679
-
-
Dividends
86 421
53 756
-
-
withholding
14 692
9 139
-
-
total
14 692
9 139
-
-
Income
130 000
130 000
130 000
130 000
Total tax
39 528
35 122
41 693
40 515
After tax
90 472
94 878
88 307
89 485
Living cost
18 742
18 742
18 742
18 742
Free-cash
71 730
76 136
69 565
70 743

Estimated living cost  is ₽18742 per week

₽11233
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽5257
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
₽47738
₽35182
₽44696
₽48554
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

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
-
-
-
14 739
social contributions

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

-
-
-
45 174
surtax
-
-
-
-
total
-
-
-
59 913
Employee
37 231
-
105 051
-
income
7 744
-
32 923
-
social contributions
4 095
-
11 555
-
surtax
-
-
-
-
total
11 839
-
44 478
-
Employer
37 231
-
105 051
-
social contributions
8 842
-
24 949
-
total
8 842
-
24 949
-
Corporate
83 927
130 000
-
-
income
17 625
27 299
-
-
surtax
-
-
-
-
total
17 625
27 299
-
-
Dividends
66 303
102 701
-
-
withholding
18 565
28 756
-
-
total
18 565
28 756
-
-
Income
130 000
130 000
130 000
130 000
Total tax
56 871
56 055
69 427
59 913
After tax
73 129
73 945
60 573
70 087
Living cost
25 391
25 391
25 391
25 391
Free-cash
47 738
48 554
35 182
44 696

Estimated living cost  is ₽25391 per week

₽18998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽116323
₽97956
₽122656
₽117456
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
7 555
-
130 000
-
income
1 511
-
26 000
-
total
1 511
-
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%.

122 445
130 000
-
-
total
-
-
-
-
Dividends
122 445
130 000
-
-
withholding
6 122
6 500
-
-
total
6 122
6 500
-
-
Income
130 000
130 000
130 000
130 000
Total tax
7 633
6 500
26 000
1 300
After tax
122 367
123 500
104 000
128 700
Living cost
6 044
6 044
6 044
6 044
Free-cash
116 323
117 456
97 956
122 656

Estimated living cost  is ₽6044 per week

₽3746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1630
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
₽61019
₽38975
₽42417
₽67792
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
pensions
-
-
-
23 742
unemployment
-
-
-
195
income
-
-
-
29 141
health
-
-
-
12 792
total
-
-
-
65 870
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.

35 796
-
112 486
-
health
2 312
-
7 266
-
unemployment
51
-
158
-
pensions
5 549
-
17 436
-
income
6 173
-
26 938
-
total
14 085
-
51 798
-
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.

35 796
-
112 486
-
health
2 384
-
7 492
-
pensions
3 168
-
9 954
-
unemployment
22
-
68
-
total
5 574
-
17 514
-
Corporate
88 631
130 000
-
-
income
16 840
24 700
-
-
total
16 840
24 700
-
-
Dividends
71 791
105 300
-
-
withholding
10 769
15 795
-
-
total
10 769
15 795
-
-
Income
130 000
130 000
130 000
130 000
Total tax
47 268
40 495
69 312
65 870
After tax
82 732
89 505
60 688
64 130
Living cost
21 713
21 713
21 713
21 713
Free-cash
61 019
67 792
38 975
42 417

Estimated living cost  is ₽21713 per week

₽14901
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
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.
₽5000
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
₽53666
₽63815
₽72450
₽50838
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
-
-
-
23 043
health

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

-
-
-
5 122
total
-
-
-
28 165
Employee
37 135
-
126 276
-
social contributions
3 721
-
3 724
-
income
4 029
-
29 352
-
total
7 750
-
33 076
-
Employer
37 135
-
126 276
-
social contributions
3 721
-
3 724
-
total
3 721
-
3 724
-
Corporate
89 144
130 000
-
-
income
31 201
45 500
-
-
total
31 201
45 500
-
-
Dividends
57 943
84 500
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
130 000
130 000
130 000
130 000
Total tax
46 949
49 777
36 800
28 165
After tax
83 051
80 223
93 200
101 835
Living cost
29 385
29 385
29 385
29 385
Free-cash
53 666
50 838
63 815
72 450

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7262
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
₽62565
₽64011
₽66322
₽62147
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
-
-
-
9 074
social contributions
-
-
-
17 939
total
-
-
-
46 513
Employee
27 447
-
130 000
-
health
1 916
-
9 074
-
income
4 578
-
21 811
-
social contributions
3 788
-
17 939
-
total
10 282
-
48 824
-
Employer
27 447
-
130 000
-
total
-
-
-
-
Corporate
102 553
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%.

5 128
6 500
-
-
total
5 128
6 500
-
-
Dividends
97 425
123 500
-
-
social contributions
13 445
17 042
-
-
withholding
14 614
18 525
-
-
health
6 801
8 621
-
-
total
34 860
44 188
-
-
Income
130 000
130 000
130 000
130 000
Total tax
50 270
50 688
48 824
46 513
After tax
79 730
79 312
81 176
83 487
Living cost
17 165
17 165
17 165
17 165
Free-cash
62 565
62 147
64 011
66 322

Estimated living cost  is ₽17165 per week

₽11488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4223
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
₽58787
₽44779
₽50469
₽66864
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
-
-
-
12 902
health
-
-
-
17 550
social contributions
-
-
-
26 438
solidarity contribution
-
-
-
-
total
-
-
-
56 890
Employee
33 295
-
98 499
-
health
4 495
-
13 297
-
solidarity contribution
-
-
-
-
income
3 995
-
11 897
-
social contributions
2 164
-
5 885
-
total
10 654
-
31 079
-
Employer
33 295
-
98 499
-
health
2 997
-
8 865
-
social contributions
8 324
-
22 636
-
total
11 321
-
31 501
-
Corporate
85 385
130 000
-
-
income
16 223
24 700
-
-
total
16 223
24 700
-
-
Dividends
69 162
105 300
-
-
withholding
10 374
15 795
-
-
total
10 374
15 795
-
-
Income
130 000
130 000
130 000
130 000
Total tax
48 572
40 495
62 580
56 890
After tax
81 428
89 505
67 420
73 110
Living cost
22 641
22 641
22 641
22 641
Free-cash
58 787
66 864
44 779
50 469

Estimated living cost  is ₽22641 per week

₽16837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4158
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
₽112315
₽94581
₽119281
₽114081
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
11 774
-
130 000
-
income
2 355
-
26 000
-
total
2 355
-
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%.

118 226
130 000
-
-
total
-
-
-
-
Dividends
118 226
130 000
-
-
withholding
5 911
6 500
-
-
total
5 911
6 500
-
-
Income
130 000
130 000
130 000
130 000
Total tax
8 266
6 500
26 000
1 300
After tax
121 734
123 500
104 000
128 700
Living cost
9 419
9 419
9 419
9 419
Free-cash
112 315
114 081
94 581
119 281

Estimated living cost  is ₽9419 per week

₽6374
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2334
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
₽31984
₽33748
₽34365
₽26420
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
-
-
-
19 320
other
-
-
-
4 029
health
-
-
-
5 103
social contributions
-
-
-
3 704
pensions
-
-
-
24 381
surtax
-
-
-
-
total
-
-
-
56 537
Employee
50 700
-
101 435
-
pensions
5 735
-
6 710
-
income
4 424
-
18 993
-
social contributions
1 444
-
2 890
-
surtax
-
-
-
-
total
11 603
-
28 593
-
Employer
50 700
-
101 435
-
health
3 549
-
8 980
-
social contributions
152
-
304
-
pensions
8 331
-
11 359
-
unemployment
2 054
-
4 108
-
other
1 750
-
3 810
-
total
15 836
-
28 561
-
Corporate
63 465
130 000
-
-
income
17 770
36 400
-
-
surtax
-
-
-
-
total
17 770
36 400
-
-
Dividends
45 694
93 600
-
-
social contributions
7 861
16 101
-
-
surtax
-
-
-
-
withholding
5 848
11 981
-
-
total
13 709
28 082
-
-
Income
130 000
130 000
130 000
130 000
Total tax
58 918
64 482
57 154
56 537
After tax
71 082
65 518
72 846
73 463
Living cost
39 098
39 098
39 098
39 098
Free-cash
31 984
26 420
33 748
34 365

Estimated living cost  is ₽39098 per week

₽26461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8902
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
₽76008
₽64387
₽64387
₽79976
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
pensions
-
-
-
15 499
unemployment
-
-
-
894
income
-
-
-
29 131
health
-
-
-
6 140
total
-
-
-
51 664
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.

21 035
-
119 330
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 945
-
8 346
-
income
2 899
-
29 131
-
total
7 085
-
40 994
-
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.

21 035
-
119 330
-
health
1 083
-
3 070
-
pensions
2 524
-
7 153
-
unemployment
158
-
447
-
total
3 765
-
10 670
-
Corporate
105 200
130 000
-
-
income
15 780
19 500
-
-
total
15 780
19 500
-
-
Dividends
89 420
110 500
-
-
withholding
13 413
16 575
-
-
total
13 413
16 575
-
-
Income
130 000
130 000
130 000
130 000
Total tax
40 043
36 075
51 664
51 664
After tax
89 957
93 925
78 336
78 336
Living cost
13 949
13 949
13 949
13 949
Free-cash
76 008
79 976
64 387
64 387

Estimated living cost  is ₽13949 per week

₽9392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3075
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
₽27202
₽42856
₽48765
₽3090
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
pensions
-
-
-
11 960
city
-
-
-
1 371
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.

-
-
-
2 600
health
-
-
-
292
regional
-
-
-
6 450
national
-
-
-
2 207
total
-
-
-
24 880
Employee
65 950
-
116 357
-
health
149
-
262
-
unemployment
-
-
-
-
city
708
-
1 251
-
pensions
5 541
-
9 774
-
regional
2 160
-
5 547
-
national
312
-
1 592
-
total
8 870
-
18 426
-
Employer
65 950
-
116 357
-
health
149
-
262
-
pensions
5 541
-
9 774
-
unemployment
-
-
-
-
other

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

1 319
-
2 327
-
total
7 009
-
12 363
-
Corporate
56 316
130 000
-
-
regional
11 911
27 495
-
-
national
4 787
11 050
-
-
total
16 698
38 545
-
-
Dividends
39 619
91 455
-
-
withholding
13 866
32 010
-
-
total
13 866
32 010
-
-
Income
130 000
130 000
130 000
130 000
Total tax
46 443
70 555
30 789
24 880
After tax
83 557
59 445
99 211
105 120
Living cost
56 355
56 355
56 355
56 355
Free-cash
27 202
3 090
42 856
48 765

Estimated living cost  is ₽56355 per week

₽36647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13959
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
₽52896
₽37918
₽54599
₽51163
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
-
-
-
23 101
health
-
-
-
1 664
national
-
-
-
19 557
total
-
-
-
44 322
Employee
42 589
-
109 363
-
health
318
-
1 346
-
unemployment
639
-
1 641
-
pensions
2 874
-
7 381
-
national
704
-
12 178
-
municipal
6 976
-
17 820
-
total
11 511
-
40 366
-
Employer
42 589
-
109 363
-
health
327
-
842
-
pensions
7 389
-
18 975
-
accident
43
-
109
-
unemployment
277
-
711
-
total
8 036
-
20 637
-
Corporate
79 375
130 000
-
-
income
15 875
26 000
-
-
total
15 875
26 000
-
-
Dividends

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

47 625
78 000
-
-
municipal
8 572
14 041
-
-
national
2 031
7 717
-
-
total
10 603
21 758
-
-
Income
130 000
130 000
130 000
130 000
Total tax
46 025
47 758
61 003
44 322
After tax
83 975
82 242
68 997
85 678
Living cost
31 079
31 079
31 079
31 079
Free-cash
52 896
51 163
37 918
54 599

Estimated living cost  is ₽31079 per week

₽20301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
₽31074
₽16956
₽26764
₽43216
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
communal

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

-
-
-
6 589
social contributions
-
-
-
20 182
national
-
-
-
46 950
total
-
-
-
73 721
Employee

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

57 904
-
100 691
-
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.

2 721
-
4 733
-
communal

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

3 020
-
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.

504
-
876
-
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.

4 343
-
7 552
-
national
17 802
-
35 807
-
total
28 390
-
54 220
-
Employer

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

57 904
-
100 691
-
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.

3 561
-
6 192
-
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.

5 131
-
8 921
-
surtax
6 566
-
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.

753
-
1 309
-
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.

845
-
1 470
-
total
16 856
-
29 309
-
Corporate
55 241
130 000
-
-
income
11 048
26 000
-
-
surtax
221
519
-
-
total
11 269
26 519
-
-
Dividends
43 972
103 481
-
-
withholding

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

12 896
30 750
-
-
total
12 896
30 750
-
-
Income
130 000
130 000
130 000
130 000
Total tax
69 411
57 269
83 529
73 721
After tax
60 589
72 731
46 471
56 279
Living cost
29 515
29 515
29 515
29 515
Free-cash
31 074
43 216
16 956
26 764

Estimated living cost  is ₽29515 per week

₽19012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽7461
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
₽35274
₽32474
₽33322
₽36058
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
unemployment
-
-
-
77
municipal
-
-
-
32 154
other
-
-
-
8 894
health
-
-
-
4 776
national
-
-
-
7 428
accident
-
-
-
153
pensions
-
-
-
8 274
total
-
-
-
61 756
Employee
49 760
-
105 952
-
national
-
-
6 960
-
municipal
14 838
-
31 595
-
total
14 838
-
38 555
-
Employer
49 760
-
105 952
-
health
3 060
-
4 707
-
pensions
5 379
-
8 274
-
accident
100
-
153
-
unemployment
1 314
-
2 021
-
other
5 782
-
8 894
-
total
15 635
-
24 049
-
Corporate
64 605
130 000
-
-
income
14 213
28 600
-
-
total
14 213
28 600
-
-
Dividends
50 392
101 400
-
-
withholding
15 118
30 420
-
-
total
15 118
30 420
-
-
Income
130 000
130 000
130 000
130 000
Total tax
59 804
59 020
62 604
61 756
After tax
70 196
70 980
67 396
68 244
Living cost
34 922
34 922
34 922
34 922
Free-cash
35 274
36 058
32 474
33 322

Estimated living cost  is ₽34922 per week

₽23145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7820
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
-₽2831
₽79841
₽51401
₽40653
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
55 117
-
-
-
income
12 158
-
-
-
social contributions
4 520
-
644
-
total
16 678
-
644
-
Employer
55 117
-
-
-
social contributions
77 714
-
11 076
-
total
77 714
-
11 076
-
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
94 392
50 908
11 720
40 160
After tax
35 608
79 092
118 280
89 840
Living cost
38 439
38 439
38 439
38 439
Free-cash
-2 831
40 653
79 841
51 401

Estimated living cost  is ₽38439 per week

₽24941
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽9393
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
₽65264
₽62051
₽63229
₽68622
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
-
-
-
24 103
health
-
-
-
3 315
social contributions
-
-
-
13 097
total
-
-
-
40 515
Employee
62 247
62 247
120 797
-
health
619
1 058
2 054
-
income
6 536
5 762
23 468
-
social contributions
3 025
5 166
6 968
-
total
10 180
11 986
32 490
-
Employer
62 247
62 247
120 797
-
health
674
1 152
2 235
-
social contributions
3 025
5 166
6 968
-
total
3 699
6 318
9 203
-
Corporate
89 865
61 435
-
-
income
11 233
7 679
-
-
total
11 233
7 679
-
-
Dividends
78 632
53 756
-
-
withholding
13 368
9 139
-
-
total
13 368
9 139
-
-
Income
130 000
130 000
130 000
130 000
Total tax
38 480
35 122
41 693
40 515
After tax
91 520
94 878
88 307
89 485
Living cost
26 256
26 256
26 256
26 256
Free-cash
65 264
68 622
62 051
63 229

Estimated living cost  is ₽26256 per week

₽17949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
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
₽61552
₽46007
₽57812
₽56939
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
-
-
-
36 386
pensions
-
-
-
6 865
total
-
-
-
43 251
Employee
39 720
-
113 629
-
health
518
-
1 675
-
pensions
3 032
-
8 496
-
income
7 233
-
28 516
-
total
10 783
-
38 687
-
Employer
39 720
-
113 629
-
health
755
-
2 158
-
pensions
4 013
-
14 211
-
total
4 768
-
16 369
-
Corporate
85 513
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.

16 247
24 700
-
-
total
16 247
24 700
-
-
Dividends
69 265
105 300
-
-
withholding
7 713
19 424
-
-
total
7 713
19 424
-
-
Income
130 000
130 000
130 000
130 000
Total tax
39 511
44 124
55 056
43 251
After tax
90 489
85 876
74 944
86 749
Living cost
28 937
28 937
28 937
28 937
Free-cash
61 552
56 939
46 007
57 812

Estimated living cost  is ₽28937 per week

₽19850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽6061
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
₽32543
₽23371
₽29079
₽36225
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
-
-
-
2 964
social contributions
-
-
-
33 436
national
-
-
-
31 403
total
-
-
-
68 672
Employee
68 213
-
130 000
-
social contributions
23 001
-
43 836
-
regional
1 030
-
2 628
-
national
11 527
-
27 140
-
municipal
407
-
776
-
total
35 965
-
74 380
-
Employer
68 213
-
130 000
-
total
-
-
-
-
Corporate
61 787
130 000
-
-
nationa
14 829
31 200
-
-
municipal
2 979
6 266
-
-
total
17 808
37 466
-
-
Dividends
43 979
92 534
-
-
withholding
11 435
24 060
-
-
total
11 435
24 060
-
-
Income
130 000
130 000
130 000
130 000
Total tax
65 208
61 526
74 380
68 672
After tax
64 792
68 474
55 620
61 328
Living cost
32 249
32 249
32 249
32 249
Free-cash
32 543
36 225
23 371
29 079

Estimated living cost  is ₽32249 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽6890
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
₽7901
₽53216
₽71753
-₽6612
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
pensions
-
-
-
3 242
income
-
-
-
35 678
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
41 105
Employee
26 966
-
116 611
-
health
3 088
-
13 352
-
pensions
3 036
-
5 945
-
income
3 699
-
26 956
-
total
9 823
-
46 253
-
Employer
26 966
-
116 611
-
pensions
4 385
-
8 585
-
accident
450
-
1 947
-
unemployment
661
-
2 857
-
total
5 496
-
13 389
-
Corporate
97 538
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.

87 785
117 000
-
-
total
87 785
117 000
-
-
Dividends
9 754
13 000
-
-
withholding
1 853
2 470
-
-
total
1 853
2 470
-
-
Income
130 000
130 000
130 000
130 000
Total tax
104 957
119 470
59 642
41 105
After tax
25 043
10 530
70 358
88 895
Living cost
17 142
17 142
17 142
17 142
Free-cash
7 901
-6 612
53 216
71 753

Estimated living cost  is ₽17142 per week

₽12564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3271
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
₽46263
₽52295
₽39041
₽35673
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
trade
-
-
-
13 254
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.

-
-
-
38 788
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.

-
-
-
5 530
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.

-
-
-
2 134
total
-
-
-
59 706
Employee

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

40 278
-
130 000
-
health

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

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

5 530
-
5 530
-
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.

3 312
-
38 788
-
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.

183
-
2 134
-
total
9 025
-
46 452
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
89 722
130 000
-
-
income
13 458
19 500
-
-
trade
12 875
18 655
-
-
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.

740
1 072
-
-
chamber of commerce
255
313
-
-
total
27 328
39 540
-
-
Dividends
62 394
90 459
-
-
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.

840
1 227
-
-
withholding
15 291
22 307
-
-
total
16 131
23 534
-
-
Income
130 000
130 000
130 000
130 000
Total tax
52 484
63 074
46 452
59 706
After tax
77 516
66 926
83 548
70 294
Living cost
31 253
31 253
31 253
31 253
Free-cash
46 263
35 673
52 295
39 041

Estimated living cost  is ₽31253 per week

₽21559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽5877
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
₽80518
₽61311
₽26937
₽87159
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
income
-
-
-
22 056
microenterprise
-
-
-
-
social contributions

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

-
-
-
31 015
surtax
-
-
-
33 151
total
-
-
-
86 222
Employee
23 654
-
94 977
-
income
4 211
-
18 520
-
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.

2 602
-
10 448
-
surtax
-
-
-
-
total
6 813
-
28 968
-
Employer
23 654
-
94 977
-
social contributions

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

5 698
-
22 880
-
surtax
-
-
-
-
total
5 698
-
22 880
-
Corporate
100 648
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%.

20 130
26 000
-
-
total
20 130
26 000
-
-
Dividends

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

80 518
104 000
-
-
total
-
-
-
-
Income
130 000
130 000
130 000
130 000
Total tax
32 641
26 000
51 848
86 222
After tax
97 359
104 000
78 152
43 778
Living cost
16 841
16 841
16 841
16 841
Free-cash
80 518
87 159
61 311
26 937

Estimated living cost  is ₽16841 per week

₽10744
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.
₽4111
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
₽69549
₽68019
₽68726
₽71182
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
-
-
-
38 832
health
-
-
-
5 255
pensions
-
-
-
7 249
total
-
-
-
51 336
Employee
15 136
-
121 845
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
38 451
-
total
5 198
-
43 888
-
Employer
15 136
-
121 845
-
health
1 438
-
3 443
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 155
-
Corporate
111 458
130 000
-
-
income
24 521
28 600
-
-
total
24 521
28 600
-
-
Dividends
86 937
101 400
-
-
withholding
17 388
20 280
-
-
total
17 388
20 280
-
-
Income
130 000
130 000
130 000
130 000
Total tax
50 513
48 880
52 043
51 336
After tax
79 487
81 120
77 957
78 664
Living cost
9 938
9 938
9 938
9 938
Free-cash
69 549
71 182
68 019
68 726

Estimated living cost  is ₽9938 per week

₽5906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽61013
₽38514
₽43503
₽63588
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
pensions
-
-
-
21 608
unemployment
-
-
-
184
income
-
-
-
33 874
other
-
-
-
-
health
-
-
-
7 670
surtax
-
-
-
4 979
total
-
-
-
68 315
Employee
27 261
-
107 394
-
health
696
-
2 739
-
unemployment
1 897
-
7 475
-
pensions
1 819
-
7 163
-
income
4 570
-
29 140
-
other
-
-
-
-
surtax
97
-
4 180
-
total
9 079
-
50 697
-
Employer
27 261
-
107 394
-
health
1 240
-
4 887
-
pensions
3 635
-
14 316
-
unemployment
865
-
3 404
-
other
-
-
-
-
total
5 740
-
22 607
-
Corporate
97 000
130 000
-
-
income
25 219
33 801
-
-
total
25 219
33 801
-
-
Dividends
71 780
96 199
-
-
withholding
10 767
14 429
-
-
total
10 767
14 429
-
-
Income
130 000
130 000
130 000
130 000
Total tax
50 805
48 230
73 304
68 315
After tax
79 195
81 770
56 696
61 685
Living cost
18 182
18 182
18 182
18 182
Free-cash
61 013
63 588
38 514
43 503

Estimated living cost  is ₽18182 per week

₽10978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5203
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
₽45912
₽8421
₽41019
₽46309
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
pensions
-
-
-
17 496
chamber of commerce
-
-