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
₽ 131000
per

Your estimated
City
free-cash

Valencia , Spain
₽45369
₽49283
₽63109
₽58966
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
-
-
-
131 000
income
-
-
-
32 390
accident
-
-
-
745
unemployment
-
-
-
579
pensions
-
-
-
23 394
other
-
-
-
83
total
-
-
-
57 191
Employee
32 978
-
104 646
-
other
32
-
83
-
income
6 358
-
29 501
-
unemployment
511
-
1 281
-
pensions
1 550
-
3 886
-
total
8 451
-
34 751
-
Employer
32 978
-
104 646
-
unemployment
1 814
-
4 546
-
pensions
7 782
-
19 509
-
other
264
-
662
-
accident
653
-
1 637
-
total
10 513
-
26 354
-
Corporate
87 508
131 000
-
-
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.

13 127
19 650
-
-
total
13 127
19 650
-
-
Dividends
74 381
111 350
-
-
withholding
15 417
23 715
-
-
total
15 417
23 715
-
-
Income
131 000
131 000
131 000
131 000
Total tax
47 508
43 365
61 105
57 191
After tax
83 492
87 635
69 895
73 809
Living cost
24 526
24 526
24 526
24 526
Free-cash
58 966
63 109
45 369
49 283

Estimated living cost  is ₽24526 per week

₽16554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5184
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽51108
₽45689
₽72481
₽66457
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
-
-
-
131 000
income
-
-
-
18 118
health
-
-
-
5 765
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.

-
-
-
31 440
other
-
-
-
6 223
total
-
-
-
61 546
Employee
32 383
-
104 631
-
income
5 575
-
19 924
-
health
454
-
1 464
-
unemployment
323
-
1 046
-
pensions

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

2 266
-
7 325
-
total
8 618
-
29 759
-
Employer
32 383
-
104 631
-
unemployment
323
-
1 046
-
pensions

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

5 506
-
17 788
-
other
1 620
-
5 232
-
accident
259
-
838
-
health
454
-
1 464
-
total
8 162
-
26 368
-
Corporate
90 456
131 000
-
-
income
18 995
27 510
-
-
total
18 995
27 510
-
-
Dividends
71 461
103 490
-
-
withholding
5 003
7 244
-
-
total
5 003
7 244
-
-
Income
131 000
131 000
131 000
131 000
Total tax
40 778
34 754
56 127
61 546
After tax
90 222
96 246
74 873
69 454
Living cost
23 765
23 765
23 765
23 765
Free-cash
66 457
72 481
51 108
45 689

Estimated living cost  is ₽23765 per week

₽16791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4986
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽96227
₽91369
₽100329
₽96193
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
-
-
-
131 000
income
-
-
-
19 650
health
-
-
-
3 577
unemployment
-
-
-
124
pensions

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

-
-
-
4 604
total
-
-
-
27 955
Employee
15 461
-
124 897
-
income
1 546
-
12 490
-
health
711
-
1 431
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

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

1 357
-
2 731
-
total
3 784
-
16 994
-
Employer
15 461
-
124 897
-
unemployment
92
-
187
-
pensions

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

1 704
-
3 428
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 067
-
2 146
-
total
3 033
-
6 103
-
Corporate
112 505
131 000
-
-
income
11 251
13 100
-
-
total
11 251
13 100
-
-
Dividends
101 254
117 900
-
-
withholding
5 063
5 895
-
-
total
5 063
5 895
-
-
Income
131 000
131 000
131 000
131 000
Total tax
23 131
18 995
23 097
27 955
After tax
107 869
112 005
107 903
103 045
Living cost
11 676
11 676
11 676
11 676
Free-cash
96 193
100 329
96 227
91 369

Estimated living cost  is ₽11676 per week

₽6817
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽834
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3716
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽44396
₽43732
₽35509
₽40778
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
-
-
-
131 000
income
-
-
-
18 390
social contributions
-
-
-
3 732
health
-
-
-
4 725
surtax
-
-
-
-
pensions
-
-
-
25 847
other
-
-
-
4 060
total
-
-
-
56 754
Employee
38 171
-
102 965
-
income
2 253
-
18 617
-
social contributions
1 088
-
2 935
-
surtax
-
-
-
-
pensions
4 316
-
6 503
-
total
7 657
-
28 055
-
Employer
38 171
-
102 965
-
unemployment
1 545
-
4 170
-
social contributions
115
-
310
-
pensions
6 271
-
11 066
-
other
1 317
-
3 738
-
health
2 672
-
8 751
-
total
11 920
-
28 035
-
Corporate
80 909
131 000
-
-
income
22 654
36 680
-
-
surtax
-
-
-
-
total
22 654
36 680
-
-
Dividends
58 255
94 320
-
-
withholding
7 457
12 073
-
-
surtax
-
-
-
-
social contributions
10 020
16 224
-
-
total
17 477
28 297
-
-
Income
131 000
131 000
131 000
131 000
Total tax
59 708
64 977
56 090
56 754
After tax
71 292
66 023
74 910
74 246
Living cost
30 514
30 514
30 514
30 514
Free-cash
40 778
35 509
44 396
43 732

Estimated living cost  is ₽30514 per week

₽19240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2481
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8275
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽41649
₽36777
₽27106
₽21643
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
-
-
-
131 000
income
-
-
-
35 413
health
-
-
-
10 998
pensions
-
-
-
10 450
total
-
-
-
56 861
Employee
76 163
76 163
114 425
-
income

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

12 467
12 467
13 966
-
health
11 690
9 943
10 998
-
pensions
13 709
10 450
10 450
-
total
37 866
32 860
35 414
-
Employer
76 163
76 163
114 425
-
unemployment
2 742
2 742
3 407
-
pensions
5 301
5 301
6 589
-
health
5 294
5 294
6 579
-
total
13 337
13 337
16 575
-
Corporate
42 435
41 501
-
-
income
8 486
8 300
-
-
total
8 486
8 300
-
-
Dividends
33 949
33 200
-
-
withholding
5 093
4 979
-
-
income
7 213
7 056
-
-
total
12 306
12 035
-
-
Income
131 000
131 000
131 000
131 000
Total tax
71 995
66 532
51 989
56 861
After tax
59 005
64 468
79 011
74 139
Living cost
37 362
37 362
37 362
37 362
Free-cash
21 643
27 106
41 649
36 777

Estimated living cost  is ₽37362 per week

₽26477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3368
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6922
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽58226
₽44124
₽39099
₽48965
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.

-
-
-
131 000
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.

-
-
-
37 599
health

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

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

-
-
-
6 093
trade
-
-
-
14 102
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.

-
-
-
2 068
total
-
-
-
59 862
Employee

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

34 113
-
131 000
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

953
-
37 599
-
health

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

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

6 093
-
6 093
-
surtax

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

52
-
2 068
-
total
7 098
-
45 760
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
96 887
131 000
-
-
chamber of commerce
274
323
-
-
income
14 534
19 650
-
-
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.

799
1 082
-
-
trade
15 260
20 633
-
-
total
30 867
41 688
-
-
Dividends
66 021
89 312
-
-
withholding
16 167
21 989
-
-
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.

889
1 210
-
-
total
17 056
23 199
-
-
Income
131 000
131 000
131 000
131 000
Total tax
55 021
64 887
45 760
59 862
After tax
75 979
66 113
85 240
71 138
Living cost
27 014
27 014
27 014
27 014
Free-cash
48 965
39 099
58 226
44 124

Estimated living cost  is ₽27014 per week

₽16993
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6367
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽68975
₽70197
₽75002
₽70148
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
-
-
-
131 000
income
-
-
-
22 383
social contributions
-
-
-
14 430
health
-
-
-
3 341
total
-
-
-
40 154
Employee
68 581
68 581
121 082
-
income
7 467
6 349
21 725
-
social contributions
2 593
5 692
7 677
-
health
531
1 166
2 058
-
total
10 591
13 207
31 460
-
Employer
68 581
68 581
121 082
-
social contributions
2 593
5 692
7 677
-
health
577
1 269
2 239
-
total
3 170
6 961
9 916
-
Corporate
96 589
55 458
-
-
income
12 074
6 932
-
-
total
12 074
6 932
-
-
Dividends
84 515
48 525
-
-
withholding
14 368
8 249
-
-
total
14 368
8 249
-
-
Income
131 000
131 000
131 000
131 000
Total tax
40 203
35 349
41 376
40 154
After tax
90 797
95 651
89 624
90 846
Living cost
20 649
20 649
20 649
20 649
Free-cash
70 148
75 002
68 975
70 197

Estimated living cost  is ₽20649 per week

₽12376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2026
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5792
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽33927
₽43084
₽46538
₽45639
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.

-
-
-
131 000
income
-
-
-
14 418
social contributions

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

-
-
-
45 523
surtax
-
-
-
-
total
-
-
-
59 941
Employee
41 019
-
105 858
-
income
8 532
-
32 314
-
social contributions
4 512
-
11 644
-
surtax
-
-
-
-
total
13 044
-
43 958
-
Employer
41 019
-
105 858
-
social contributions
9 742
-
25 140
-
total
9 742
-
25 140
-
Corporate
80 239
131 000
-
-
income
16 851
27 510
-
-
surtax
-
-
-
-
total
16 851
27 510
-
-
Dividends
63 388
103 490
-
-
withholding
17 749
28 977
-
-
total
17 749
28 977
-
-
Income
131 000
131 000
131 000
131 000
Total tax
57 386
56 487
69 098
59 941
After tax
73 614
74 513
61 902
71 059
Living cost
27 975
27 975
27 975
27 975
Free-cash
45 639
46 538
33 927
43 084

Estimated living cost  is ₽27975 per week

₽20931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4927
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽98458
₽123348
₽118108
₽116919
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%.

-
-
-
131 000
microenterprise

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

-
-
-
1 310
total
-
-
-
1 310
Employee
7 927
-
131 000
-
income
1 585
-
26 200
-
total
1 585
-
26 200
-
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%.

123 073
131 000
-
-
total
-
-
-
-
Dividends
123 073
131 000
-
-
withholding
6 154
6 550
-
-
total
6 154
6 550
-
-
Income
131 000
131 000
131 000
131 000
Total tax
7 739
6 550
26 200
1 310
After tax
123 261
124 450
104 800
129 690
Living cost
6 342
6 342
6 342
6 342
Free-cash
116 919
118 108
98 458
123 348

Estimated living cost  is ₽6342 per week

₽3930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1710
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽37914
₽41384
₽66272
₽58813
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.

-
-
-
131 000
income
-
-
-
28 684
health
-
-
-
12 890
unemployment
-
-
-
196
pensions
-
-
-
23 924
total
-
-
-
65 694
Employee

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

39 439
-
113 352
-
income
6 801
-
26 465
-
health
2 547
-
7 322
-
unemployment
56
-
159
-
pensions
6 113
-
17 570
-
total
15 517
-
51 516
-
Employer

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

39 439
-
113 352
-
unemployment
24
-
68
-
pensions
3 490
-
10 031
-
health
2 627
-
7 549
-
total
6 141
-
17 648
-
Corporate
85 421
131 000
-
-
income
16 229
24 890
-
-
total
16 229
24 890
-
-
Dividends
69 191
106 110
-
-
withholding
10 378
15 916
-
-
total
10 378
15 916
-
-
Income
131 000
131 000
131 000
131 000
Total tax
48 265
40 806
69 164
65 694
After tax
82 735
90 194
61 836
65 306
Living cost
23 922
23 922
23 922
23 922
Free-cash
58 813
66 272
37 914
41 384

Estimated living cost  is ₽23922 per week

₽16417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1533
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5509
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽62361
₽67459
₽48063
₽51180
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.

-
-
-
131 000
income
-
-
-
25 388
health

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

-
-
-
5 778
total
-
-
-
31 166
Employee
40 914
-
126 897
-
social contributions
4 099
-
4 103
-
income
4 439
-
28 058
-
total
8 538
-
32 161
-
Employer
40 914
-
126 897
-
social contributions
4 099
-
4 103
-
total
4 099
-
4 103
-
Corporate
85 987
131 000
-
-
income
30 096
45 850
-
-
total
30 096
45 850
-
-
Dividends
55 891
85 150
-
-
social contributions
4 712
4 712
-
-
total
4 712
4 712
-
-
Income
131 000
131 000
131 000
131 000
Total tax
47 445
50 562
36 264
31 166
After tax
83 555
80 438
94 736
99 834
Living cost
32 375
32 375
32 375
32 375
Free-cash
51 180
48 063
62 361
67 459

Estimated living cost  is ₽32375 per week

₽21326
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8000
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽63281
₽65215
₽61010
₽61471
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
-
-
-
131 000
income
-
-
-
19 650
social contributions
-
-
-
18 078
health
-
-
-
9 145
total
-
-
-
46 873
Employee
30 240
-
131 000
-
income
5 044
-
21 584
-
social contributions
4 174
-
18 078
-
health
2 111
-
9 145
-
total
11 329
-
48 807
-
Employer
30 240
-
131 000
-
total
-
-
-
-
Corporate
100 760
131 000
-
-
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%.

5 039
6 550
-
-
total
5 039
6 550
-
-
Dividends
95 722
124 450
-
-
withholding
14 357
18 668
-
-
health
6 682
8 686
-
-
social contributions
13 210
17 174
-
-
total
34 249
44 528
-
-
Income
131 000
131 000
131 000
131 000
Total tax
50 617
51 078
48 807
46 873
After tax
80 383
79 922
82 193
84 127
Living cost
18 912
18 912
18 912
18 912
Free-cash
61 471
61 010
63 281
65 215

Estimated living cost  is ₽18912 per week

₽12657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4653
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽42261
₽47850
₽65869
₽57192
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
-
-
-
131 000
income
-
-
-
12 737
social contributions
-
-
-
28 404
solidarity contribution
-
-
-
-
health
-
-
-
17 685
total
-
-
-
58 826
Employee
35 771
-
97 873
-
solidarity contribution
-
-
-
-
income
4 292
-
11 751
-
social contributions
2 325
-
6 323
-
health
4 829
-
13 213
-
total
11 446
-
31 287
-
Employer
35 771
-
97 873
-
social contributions
8 943
-
24 319
-
health
3 219
-
8 809
-
total
12 162
-
33 128
-
Corporate
83 067
131 000
-
-
income
15 783
24 890
-
-
total
15 783
24 890
-
-
Dividends
67 285
106 110
-
-
withholding
10 093
15 917
-
-
total
10 093
15 917
-
-
Income
131 000
131 000
131 000
131 000
Total tax
49 484
40 807
64 415
58 826
After tax
81 516
90 193
66 585
72 174
Living cost
24 324
24 324
24 324
24 324
Free-cash
57 192
65 869
42 261
47 850

Estimated living cost  is ₽24324 per week

₽18089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4467
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽94917
₽119807
₽114567
₽112714
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%.

-
-
-
131 000
microenterprise

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

-
-
-
1 310
total
-
-
-
1 310
Employee
12 354
-
131 000
-
income
2 471
-
26 200
-
total
2 471
-
26 200
-
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%.

118 646
131 000
-
-
total
-
-
-
-
Dividends
118 646
131 000
-
-
withholding
5 932
6 550
-
-
total
5 932
6 550
-
-
Income
131 000
131 000
131 000
131 000
Total tax
8 403
6 550
26 200
1 310
After tax
122 597
124 450
104 800
129 690
Living cost
9 883
9 883
9 883
9 883
Free-cash
112 714
114 567
94 917
119 807

Estimated living cost  is ₽9883 per week

₽6688
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2449
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽31834
₽31170
₽22947
₽29077
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
-
-
-
131 000
income
-
-
-
18 390
social contributions
-
-
-
3 732
health
-
-
-
4 725
surtax
-
-
-
-
pensions
-
-
-
25 847
other
-
-
-
4 060
total
-
-
-
56 754
Employee
55 860
-
102 965
-
income
4 874
-
18 617
-
social contributions
1 591
-
2 935
-
surtax
-
-
-
-
pensions
6 318
-
6 503
-
total
12 783
-
28 055
-
Employer
55 860
-
102 965
-
unemployment
2 263
-
4 170
-
social contributions
168
-
310
-
pensions
9 178
-
11 066
-
other
1 928
-
3 738
-
health
3 910
-
8 751
-
total
17 447
-
28 035
-
Corporate
57 694
131 000
-
-
income
16 155
36 680
-
-
surtax
-
-
-
-
total
16 155
36 680
-
-
Dividends
41 539
94 320
-
-
withholding
5 316
12 073
-
-
surtax
-
-
-
-
social contributions
7 146
16 224
-
-
total
12 462
28 297
-
-
Income
131 000
131 000
131 000
131 000
Total tax
58 847
64 977
56 090
56 754
After tax
72 153
66 023
74 910
74 246
Living cost
43 076
43 076
43 076
43 076
Free-cash
29 077
22 947
31 834
31 170

Estimated living cost  is ₽43076 per week

₽29153
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3524
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽591
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9808
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽61750
₽61750
₽79271
₽74897
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.

-
-
-
131 000
income
-
-
-
29 036
health
-
-
-
6 768
unemployment
-
-
-
986
pensions
-
-
-
17 084
total
-
-
-
53 874
Employee

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

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

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

23 186
-
119 238
-
income
3 196
-
29 036
-
health
1 194
-
3 384
-
unemployment
174
-
493
-
pensions
3 246
-
9 199
-
total
7 810
-
42 112
-
Employer

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

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

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

23 186
-
119 238
-
unemployment
174
-
493
-
pensions
2 782
-
7 885
-
health
1 194
-
3 384
-
total
4 150
-
11 762
-
Corporate
103 663
131 000
-
-
income
15 550
19 650
-
-
total
15 550
19 650
-
-
Dividends
88 114
111 350
-
-
withholding
13 217
16 703
-
-
total
13 217
16 703
-
-
Income
131 000
131 000
131 000
131 000
Total tax
40 727
36 353
53 874
53 874
After tax
90 273
94 647
77 126
77 126
Living cost
15 376
15 376
15 376
15 376
Free-cash
74 897
79 271
61 750
61 750

Estimated living cost  is ₽15376 per week

₽10353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3389
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽38155
₽44517
-₽2348
₽24287
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
-
-
-
131 000
regional
-
-
-
6 127
national
-
-
-
1 760
health
-
-
-
294
city
-
-
-
1 381
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.

-
-
-
2 620
pensions
-
-
-
12 052
total
-
-
-
24 234
Employee
72 848
-
117 252
-
regional
2 385
-
5 311
-
city
782
-
1 260
-
health
165
-
264
-
unemployment
-
-
-
-
national
345
-
1 454
-
pensions
6 120
-
9 849
-
total
9 797
-
18 138
-
Employer
72 848
-
117 252
-
unemployment
-
-
-
-
pensions
6 120
-
9 849
-
other

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

1 456
-
2 345
-
health
165
-
264
-
total
7 741
-
12 458
-
Corporate
49 610
131 000
-
-
regional
10 493
27 707
-
-
national
4 218
11 136
-
-
total
14 711
38 843
-
-
Dividends
34 900
92 157
-
-
withholding
12 215
32 256
-
-
total
12 215
32 256
-
-
Income
131 000
131 000
131 000
131 000
Total tax
44 464
71 099
30 596
24 234
After tax
86 536
59 901
100 404
106 766
Living cost
62 249
62 249
62 249
62 249
Free-cash
24 287
-2 348
38 155
44 517

Estimated living cost  is ₽62249 per week

₽40480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5586
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽15419
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽36137
₽54044
₽49466
₽51082
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

-
-
-
131 000
municipal
-
-
-
23 284
national
-
-
-
17 785
health
-
-
-
1 645
total
-
-
-
42 714
Employee
46 923
-
110 206
-
health
350
-
1 325
-
unemployment
704
-
1 654
-
national
775
-
11 446
-
municipal
7 686
-
17 963
-
pensions
3 167
-
7 439
-
total
12 682
-
39 827
-
Employer
46 923
-
110 206
-
unemployment
305
-
716
-
pensions
8 141
-
19 120
-
accident
47
-
110
-
health
361
-
848
-
total
8 854
-
20 794
-
Corporate
75 223
131 000
-
-
income
15 045
26 200
-
-
total
15 045
26 200
-
-
Dividends

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

45 134
78 600
-
-
national
971
6 944
-
-
municipal
8 124
14 148
-
-
total
9 095
21 092
-
-
Income
131 000
131 000
131 000
131 000
Total tax
45 676
47 292
60 621
42 714
After tax
85 324
83 708
70 379
88 286
Living cost
34 242
34 242
34 242
34 242
Free-cash
51 082
49 466
36 137
54 044

Estimated living cost  is ₽34242 per week

₽22366
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3294
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8038
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₽15062
₽24866
₽40798
₽27422
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
-
-
-
131 000
national
-
-
-
46 478
social contributions
-
-
-
20 507
communal

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

-
-
-
6 630
total
-
-
-
73 615
Employee

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

63 796
-
101 462
-
health

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

2 997
-
4 768
-
communal

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

3 327
-
5 292
-
unemployment

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

555
-
883
-
national
19 614
-
35 333
-
pensions

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

4 785
-
7 609
-
total
31 278
-
53 885
-
Employer

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

63 796
-
101 462
-
unemployment

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

931
-
1 481
-
pensions

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

5 653
-
8 989
-
surtax
7 234
-
11 506
-
accident

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

829
-
1 318
-
health

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

3 923
-
6 240
-
total
18 570
-
29 534
-
Corporate
48 633
131 000
-
-
income
9 727
26 200
-
-
surtax
195
525
-
-
total
9 922
26 725
-
-
Dividends
38 712
104 275
-
-
withholding

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

11 289
30 958
-
-
total
11 289
30 958
-
-
Income
131 000
131 000
131 000
131 000
Total tax
71 059
57 683
83 419
73 615
After tax
59 941
73 317
47 581
57 385
Living cost
32 519
32 519
32 519
32 519
Free-cash
27 422
40 798
15 062
24 866

Estimated living cost  is ₽32519 per week

₽20946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2843
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8220
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽32004
₽32882
₽35376
₽34564
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
-
-
-
131 000
municipal
-
-
-
32 220
national
-
-
-
6 796
health
-
-
-
4 944
accident
-
-
-
158
unemployment
-
-
-
79
pensions
-
-
-
8 565
other
-
-
-
9 206
total
-
-
-
61 968
Employee
51 511
-
106 106
-
national
-
-
6 311
-
municipal
15 361
-
31 641
-
total
15 361
-
37 952
-
Employer
51 511
-
106 106
-
unemployment
1 360
-
2 092
-
pensions
5 568
-
8 565
-
other
5 986
-
9 206
-
accident
103
-
158
-
health
3 168
-
4 873
-
total
16 185
-
24 894
-
Corporate
63 304
131 000
-
-
income
13 927
28 820
-
-
total
13 927
28 820
-
-
Dividends
49 378
102 180
-
-
withholding
14 813
30 654
-
-
total
14 813
30 654
-
-
Income
131 000
131 000
131 000
131 000
Total tax
60 286
59 474
62 846
61 968
After tax
70 714
71 526
68 154
69 032
Living cost
36 150
36 150
36 150
36 150
Free-cash
34 564
35 376
32 004
32 882

Estimated living cost  is ₽36150 per week

₽23959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8095
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽80394
₽51750
₽40918
-₽3014
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
-
-
-
131 000
income
-
-
-
25 534
social contributions
-
-
-
14 934
total
-
-
-
40 468
Employee
55 607
-
-
-
income
12 266
-
-
-
social contributions
4 560
-
650
-
total
16 826
-
650
-
Employer
55 607
-
-
-
social contributions
78 406
-
11 174
-
total
78 406
-
11 174
-
Corporate
-
131 000
-
-
income
-
28 820
-
-
total
-
28 820
-
-
Dividends
-
102 180
-
-
income
-
22 480
-
-
total
-
22 480
-
-
Income
131 000
131 000
131 000
131 000
Total tax
95 232
51 300
11 824
40 468
After tax
35 768
79 700
119 176
90 532
Living cost
38 782
38 782
38 782
38 782
Free-cash
-3 014
40 918
80 394
51 750

Estimated living cost  is ₽38782 per week

₽25163
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9477
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽60696
₽61918
₽66723
₽63023
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
-
-
-
131 000
income
-
-
-
22 383
social contributions
-
-
-
14 430
health
-
-
-
3 341
total
-
-
-
40 154
Employee
68 581
68 581
121 082
-
income
7 202
6 349
21 725
-
social contributions
3 333
5 692
7 677
-
health
682
1 166
2 058
-
total
11 217
13 207
31 460
-
Employer
68 581
68 581
121 082
-
social contributions
3 333
5 692
7 677
-
health
743
1 269
2 239
-
total
4 076
6 961
9 916
-
Corporate
86 780
55 458
-
-
income
10 847
6 932
-
-
total
10 847
6 932
-
-
Dividends
75 933
48 525
-
-
withholding
12 909
8 249
-
-
total
12 909
8 249
-
-
Income
131 000
131 000
131 000
131 000
Total tax
39 049
35 349
41 376
40 154
After tax
91 951
95 651
89 624
90 846
Living cost
28 928
28 928
28 928
28 928
Free-cash
63 023
66 723
60 696
61 918

Estimated living cost  is ₽28928 per week

₽19775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6408
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽44409
₽56381
₽55952
₽61067
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
-
-
-
131 000
income
-
-
-
35 199
pensions
-
-
-
7 347
total
-
-
-
42 546
Employee
44 025
-
114 633
-
income
8 017
-
27 216
-
health
574
-
1 744
-
pensions
3 360
-
9 191
-
total
11 951
-
38 151
-
Employer
44 025
-
114 633
-
pensions
4 448
-
14 190
-
health
837
-
2 177
-
total
5 285
-
16 367
-
Corporate
81 690
131 000
-
-
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.

15 521
24 891
-
-
total
15 521
24 891
-
-
Dividends
66 169
106 109
-
-
withholding
5 103
18 084
-
-
total
5 103
18 084
-
-
Income
131 000
131 000
131 000
131 000
Total tax
37 860
42 975
54 518
42 546
After tax
93 140
88 025
76 482
88 454
Living cost
32 073
32 073
32 073
32 073
Free-cash
61 067
55 952
44 409
56 381

Estimated living cost  is ₽32073 per week

₽22002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6718
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽21160
₽27054
₽33472
₽29415
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
-
-
-
131 000
municipal
-
-
-
875
regional
-
-
-
2 973
national
-
-
-
30 875
social contributions
-
-
-
33 693
total
-
-
-
68 416
Employee
75 155
-
131 000
-
regional
1 135
-
2 590
-
social contributions
25 342
-
44 173
-
national
12 701
-
26 765
-
municipal
449
-
782
-
total
39 627
-
74 310
-
Employer
75 155
-
131 000
-
total
-
-
-
-
Corporate
55 845
131 000
-
-
nationa
13 403
31 440
-
-
municipal
2 691
6 315
-
-
total
16 094
37 755
-
-
Dividends
39 751
93 245
-
-
withholding
10 334
24 243
-
-
total
10 334
24 243
-
-
Income
131 000
131 000
131 000
131 000
Total tax
66 055
61 998
74 310
68 416
After tax
64 945
69 002
56 690
62 584
Living cost
35 530
35 530
35 530
35 530
Free-cash
29 415
33 472
21 160
27 054

Estimated living cost  is ₽35530 per week

₽24958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2444
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7591
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽51921
₽71012
-₽7994
₽7756
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
-
-
-
131 000
income
-
-
-
35 493
health
-
-
-
1 844
accident
-
-
-
214
pensions
-
-
-
3 519
other
-
-
-
313
total
-
-
-
41 383
Employee
29 267
-
116 868
-
income
4 015
-
26 509
-
health
3 351
-
13 381
-
pensions
3 296
-
6 452
-
total
10 662
-
46 342
-
Employer
29 267
-
116 868
-
unemployment
717
-
2 863
-
pensions
4 759
-
9 317
-
accident
489
-
1 952
-
total
5 965
-
14 132
-
Corporate
95 769
131 000
-
-
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.

86 192
117 900
-
-
total
86 192
117 900
-
-
Dividends
9 577
13 100
-
-
withholding
1 820
2 489
-
-
total
1 820
2 489
-
-
Income
131 000
131 000
131 000
131 000
Total tax
104 639
120 389
60 474
41 383
After tax
26 361
10 611
70 526
89 617
Living cost
18 605
18 605
18 605
18 605
Free-cash
7 756
-7 994
51 921
71 012

Estimated living cost  is ₽18605 per week

₽13636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1031
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3550
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽50807
₽37959
₽33027
₽44700
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.

-
-
-
131 000
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.

-
-
-
37 599
health

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

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

-
-
-
6 093
trade
-
-
-
12 848
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.

-
-
-
2 068
total
-
-
-
58 608
Employee

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

44 376
-
131 000
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 649
-
37 599
-
health

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

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

6 093
-
6 093
-
surtax

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

201
-
2 068
-
total
9 943
-
45 760
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
86 624
131 000
-
-
chamber of commerce
262
327
-
-
income
12 993
19 650
-
-
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.

714
1 082
-
-
trade
12 430
18 799
-
-
total
26 399
39 858
-
-
Dividends
60 224
91 143
-
-
withholding
14 716
22 448
-
-
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
1 234
-
-
total
15 525
23 682
-
-
Income
131 000
131 000
131 000
131 000
Total tax
51 867
63 540
45 760
58 608
After tax
79 133
67 460
85 240
72 392
Living cost
34 433
34 433
34 433
34 433
Free-cash
44 700
33 027
50 807
37 959

Estimated living cost  is ₽34433 per week

₽23753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3705
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6476
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽61534
₽23614
₽86245
₽78929
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.

-
-
-
131 000
microenterprise
-
-
-
-
income
-
-
-
21 254
social contributions

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

-
-
-
34 172
surtax
-
-
-
33 405
total
-
-
-
88 831
Employee
26 061
-
93 460
-
income
4 639
-
18 116
-
social contributions

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

2 867
-
10 280
-
surtax
-
-
-
-
total
7 506
-
28 396
-
Employer
26 061
-
93 460
-
social contributions

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

6 277
-
22 515
-
surtax
-
-
-
-
total
6 277
-
22 515
-
Corporate
98 661
131 000
-
-
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%.

19 733
26 200
-
-
total
19 733
26 200
-
-
Dividends

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

78 929
104 800
-
-
total
-
-
-
-
Income
131 000
131 000
131 000
131 000
Total tax
33 516
26 200
50 911
88 831
After tax
97 484
104 800
80 089
42 169
Living cost
18 555
18 555
18 555
18 555
Free-cash
78 929
86 245
61 534
23 614

Estimated living cost  is ₽18555 per week

₽11837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4529
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽65741
₽66573
₽70040
₽68118
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
-
-
-
131 000
income
-
-
-
37 997
health
-
-
-
6 189
pensions
-
-
-
8 537
total
-
-
-
52 723
Employee
17 826
-
121 396
-
income
3 448
-
37 548
-
health
891
-
2 134
-
unemployment
178
-
427
-
pensions
1 604
-
3 842
-
total
6 121
-
43 951
-
Employer
17 826
-
121 396
-
unemployment
357
-
854
-
pensions
1 961
-
4 695
-
health
1 694
-
4 055
-
total
4 012
-
9 604
-
Corporate
109 163
131 000
-
-
income
24 016
28 820
-
-
total
24 016
28 820
-
-
Dividends
85 147
102 180
-
-
withholding
17 029
20 436
-
-
total
17 029
20 436
-
-
Income
131 000
131 000
131 000
131 000
Total tax
51 178
49 256
53 555
52 723
After tax
79 822
81 744
77 445
78 277
Living cost
11 704
11 704
11 704
11 704
Free-cash
68 118
70 040
65 741
66 573

Estimated living cost  is ₽11704 per week

₽6955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3532
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽38411
₽42129
₽62367
₽59529
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
-
-
-
131 000
income
-
-
-
31 819
health
-
-
-
8 451
unemployment
-
-
-
203
surtax
-
-
-
4 558
pensions
-
-
-
23 807
other
-
-
-
-
total
-
-
-
68 838
Employee
30 035
-
108 221
-
other
-
-
-
-
income
5 035
-
28 295
-
health
767
-
2 760
-
unemployment
2 090
-
7 532
-
surtax
107
-
3 971
-
pensions
2 004
-
7 219
-
total
10 003
-
49 777
-
Employer
30 035
-
108 221
-
unemployment
953
-
3 431
-
pensions
4 004
-
14 425
-
other
-
-
-
-
health
1 366
-
4 923
-
total
6 323
-
22 779
-
Corporate
94 642
131 000
-
-
income
24 607
34 060
-
-
total
24 607
34 060
-
-
Dividends
70 034
96 940
-
-
withholding
10 505
14 540
-
-
total
10 505
14 540
-
-
Income
131 000
131 000
131 000
131 000
Total tax
51 438
48 600
72 556
68 838
After tax
79 562
82 400
58 444
62 162
Living cost
20 033
20 033
20 033
20 033
Free-cash
59 529
62 367
38 411
42 129

Estimated living cost  is ₽20033 per week

₽12095
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1742
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5733
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽5937
₽38689
₽44375
₽43930
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
-
-
-
131 000
income
-
-
-
30 616
chamber of commerce
-
-