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
₽ 132000
per

Your estimated
City
free-cash

Valencia , Spain
₽47765
₽51269
₽65191
₽61467
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
-
-
-
132 000
income
-
-
-
34 517
accident
-
-
-
698
unemployment
-
-
-
542
pensions
-
-
-
21 918
other
-
-
-
78
total
-
-
-
57 753
Employee
30 897
-
107 309
-
other
30
-
78
-
income
5 957
-
31 648
-
unemployment
479
-
1 200
-
pensions
1 453
-
3 641
-
total
7 919
-
36 567
-
Employer
30 897
-
107 309
-
unemployment
1 700
-
4 259
-
pensions
7 291
-
18 278
-
other
247
-
620
-
accident
612
-
1 533
-
total
9 850
-
24 690
-
Corporate
91 253
132 000
-
-
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.

13 688
19 801
-
-
total
13 688
19 801
-
-
Dividends
77 565
112 199
-
-
withholding
16 098
24 030
-
-
total
16 098
24 030
-
-
Income
132 000
132 000
132 000
132 000
Total tax
47 555
43 831
61 257
57 753
After tax
84 445
88 169
70 743
74 247
Living cost
22 978
22 978
22 978
22 978
Free-cash
61 467
65 191
47 765
51 269

Estimated living cost  is ₽22978 per week

₽15510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4857
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
₽52911
₽48680
₽74716
₽69070
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
-
-
-
132 000
income
-
-
-
18 933
health
-
-
-
5 591
pensions

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

-
-
-
30 496
other
-
-
-
6 035
total
-
-
-
61 055
Employee
30 340
-
105 432
-
income
5 223
-
20 345
-
health
425
-
1 476
-
unemployment
303
-
1 054
-
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.

2 123
-
7 381
-
total
8 074
-
30 256
-
Employer
30 340
-
105 432
-
unemployment
303
-
1 054
-
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.

5 158
-
17 923
-
other
1 518
-
5 271
-
accident
243
-
844
-
health
425
-
1 476
-
total
7 647
-
26 568
-
Corporate
94 014
132 000
-
-
income
19 744
27 720
-
-
total
19 744
27 720
-
-
Dividends
74 271
104 280
-
-
withholding
5 200
7 299
-
-
total
5 200
7 299
-
-
Income
132 000
132 000
132 000
132 000
Total tax
40 665
35 019
56 824
61 055
After tax
91 335
96 981
75 176
70 945
Living cost
22 265
22 265
22 265
22 265
Free-cash
69 070
74 716
52 911
48 680

Estimated living cost  is ₽22265 per week

₽15732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1503
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.
₽4671
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
₽98505
₽93489
₽101927
₽98055
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
-
-
-
132 000
income
-
-
-
19 800
health
-
-
-
3 350
unemployment
-
-
-
117
pensions

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

-
-
-
4 311
total
-
-
-
27 578
Employee
14 477
-
126 285
-
income
1 447
-
12 629
-
health
666
-
1 340
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
pensions

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

1 271
-
2 558
-
total
3 543
-
16 847
-
Employer
14 477
-
126 285
-
unemployment
87
-
175
-
pensions

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

1 596
-
3 210
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
health
999
-
2 010
-
total
2 841
-
5 715
-
Corporate
114 682
132 000
-
-
income
11 468
13 200
-
-
total
11 468
13 200
-
-
Dividends
103 214
118 800
-
-
withholding
5 160
5 940
-
-
total
5 160
5 940
-
-
Income
132 000
132 000
132 000
132 000
Total tax
23 012
19 140
22 562
27 578
After tax
108 988
112 860
109 438
104 422
Living cost
10 933
10 933
10 933
10 933
Free-cash
98 055
101 927
98 505
93 489

Estimated living cost  is ₽10933 per week

₽6383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽290
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.
₽3480
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
₽45643
₽46041
₽37939
₽42873
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
-
-
-
132 000
income
-
-
-
19 423
social contributions
-
-
-
3 761
health
-
-
-
5 108
surtax
-
-
-
-
pensions
-
-
-
24 985
other
-
-
-
4 093
total
-
-
-
57 370
Employee
35 762
-
103 132
-
income
2 111
-
19 191
-
social contributions
1 020
-
2 940
-
surtax
-
-
-
-
pensions
4 044
-
6 768
-
total
7 175
-
28 899
-
Employer
35 762
-
103 132
-
unemployment
1 448
-
4 177
-
social contributions
108
-
309
-
pensions
5 875
-
11 467
-
other
1 234
-
3 851
-
health
2 504
-
9 065
-
total
11 169
-
28 869
-
Corporate
85 070
132 000
-
-
income
23 819
36 960
-
-
surtax
-
-
-
-
total
23 819
36 960
-
-
Dividends
61 251
95 040
-
-
withholding
7 840
12 165
-
-
surtax
-
-
-
-
social contributions
10 535
16 347
-
-
total
18 375
28 512
-
-
Income
132 000
132 000
132 000
132 000
Total tax
60 538
65 472
57 768
57 370
After tax
71 462
66 528
74 232
74 630
Living cost
28 589
28 589
28 589
28 589
Free-cash
42 873
37 939
45 643
46 041

Estimated living cost  is ₽28589 per week

₽18026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2325
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.
₽7752
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
₽45818
₽38928
₽30122
₽25004
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
-
-
-
132 000
income
-
-
-
37 974
health
-
-
-
10 304
pensions
-
-
-
9 790
total
-
-
-
58 068
Employee
71 357
71 357
116 471
-
income

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

11 680
11 680
15 555
-
health
10 952
9 316
10 304
-
pensions
12 844
9 790
9 790
-
total
35 476
30 786
35 649
-
Employer
71 357
71 357
116 471
-
unemployment
2 569
2 569
3 192
-
pensions
4 966
4 966
6 173
-
health
4 960
4 960
6 164
-
total
12 495
12 495
15 529
-
Corporate
49 023
48 148
-
-
income
9 804
9 630
-
-
total
9 804
9 630
-
-
Dividends
39 219
38 518
-
-
withholding
5 883
5 778
-
-
income
8 334
8 185
-
-
total
14 217
13 963
-
-
Income
132 000
132 000
132 000
132 000
Total tax
71 992
66 874
51 178
58 068
After tax
60 008
65 126
80 822
73 932
Living cost
35 004
35 004
35 004
35 004
Free-cash
25 004
30 122
45 818
38 928

Estimated living cost  is ₽35004 per week

₽24807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
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.
₽6486
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
₽59710
₽45039
₽41292
₽50534
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.

-
-
-
132 000
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.

-
-
-
39 119
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.

-
-
-
5 709
trade
-
-
-
14 671
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.

-
-
-
2 152
total
-
-
-
61 651
Employee

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

31 960
-
132 000
-
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.

893
-
39 119
-
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.

5 709
-
5 709
-
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.

49
-
2 152
-
total
6 651
-
46 980
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
100 040
132 000
-
-
chamber of commerce
271
317
-
-
income
15 005
19 801
-
-
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.

825
1 089
-
-
trade
15 756
20 790
-
-
total
31 857
41 997
-
-
Dividends
68 183
90 003
-
-
withholding
16 728
22 182
-
-
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.

920
1 219
-
-
total
17 648
23 401
-
-
Income
132 000
132 000
132 000
132 000
Total tax
56 156
65 398
46 980
61 651
After tax
75 844
66 602
85 020
70 349
Living cost
25 310
25 310
25 310
25 310
Free-cash
50 534
41 292
59 710
45 039

Estimated living cost  is ₽25310 per week

₽15920
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2951
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽5965
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
₽70432
₽71637
₽76998
₽72452
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
-
-
-
132 000
income
-
-
-
24 131
social contributions
-
-
-
13 520
health
-
-
-
3 366
total
-
-
-
41 017
Employee
64 253
64 253
122 540
-
income
6 996
5 948
23 484
-
social contributions
2 429
5 333
7 193
-
health
498
1 093
2 084
-
total
9 923
12 374
32 761
-
Employer
64 253
64 253
122 540
-
social contributions
2 429
5 333
7 193
-
health
541
1 189
2 268
-
total
2 970
6 522
9 461
-
Corporate
99 760
61 225
-
-
income
12 470
7 653
-
-
total
12 470
7 653
-
-
Dividends
87 290
53 572
-
-
withholding
14 839
9 107
-
-
total
14 839
9 107
-
-
Income
132 000
132 000
132 000
132 000
Total tax
40 202
35 656
42 222
41 017
After tax
91 798
96 344
89 778
90 983
Living cost
19 346
19 346
19 346
19 346
Free-cash
72 452
76 998
70 432
71 637

Estimated living cost  is ₽19346 per week

₽11595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1898
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5426
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
₽35449
₽45032
₽48871
₽48031
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.

-
-
-
132 000
income
-
-
-
14 888
social contributions

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

-
-
-
45 870
surtax
-
-
-
-
total
-
-
-
60 758
Employee
38 431
-
106 667
-
income
7 994
-
33 275
-
social contributions
4 227
-
11 733
-
surtax
-
-
-
-
total
12 221
-
45 008
-
Employer
38 431
-
106 667
-
social contributions
9 127
-
25 333
-
total
9 127
-
25 333
-
Corporate
84 442
132 000
-
-
income
17 733
27 720
-
-
surtax
-
-
-
-
total
17 733
27 720
-
-
Dividends
66 709
104 280
-
-
withholding
18 678
29 199
-
-
total
18 678
29 199
-
-
Income
132 000
132 000
132 000
132 000
Total tax
57 759
56 919
70 341
60 758
After tax
74 241
75 081
61 659
71 242
Living cost
26 210
26 210
26 210
26 210
Free-cash
48 031
48 871
35 449
45 032

Estimated living cost  is ₽26210 per week

₽19610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4616
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
₽99371
₽124451
₽119171
₽118003
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%.

-
-
-
132 000
microenterprise

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

-
-
-
1 320
total
-
-
-
1 320
Employee
7 786
-
132 000
-
income
1 557
-
26 400
-
total
1 557
-
26 400
-
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%.

124 214
132 000
-
-
total
-
-
-
-
Dividends
124 214
132 000
-
-
withholding
6 211
6 600
-
-
total
6 211
6 600
-
-
Income
132 000
132 000
132 000
132 000
Total tax
7 768
6 600
26 400
1 320
After tax
124 232
125 400
105 600
130 680
Living cost
6 229
6 229
6 229
6 229
Free-cash
118 003
119 171
99 371
124 451

Estimated living cost  is ₽6229 per week

₽3860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1680
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
₽39331
₽42828
₽68470
₽61480
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.

-
-
-
132 000
income
-
-
-
29 467
health
-
-
-
12 988
unemployment
-
-
-
198
pensions
-
-
-
24 106
total
-
-
-
66 759
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.

36 950
-
114 216
-
income
6 372
-
27 231
-
health
2 386
-
7 378
-
unemployment
52
-
160
-
pensions
5 728
-
17 703
-
total
14 538
-
52 472
-
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.

36 950
-
114 216
-
unemployment
22
-
68
-
pensions
3 270
-
10 109
-
health
2 461
-
7 607
-
total
5 753
-
17 784
-
Corporate
89 297
132 000
-
-
income
16 967
25 079
-
-
total
16 967
25 079
-
-
Dividends
72 330
106 921
-
-
withholding
10 849
16 038
-
-
total
10 849
16 038
-
-
Income
132 000
132 000
132 000
132 000
Total tax
48 107
41 117
70 256
66 759
After tax
83 893
90 883
61 744
65 241
Living cost
22 413
22 413
22 413
22 413
Free-cash
61 480
68 470
39 331
42 828

Estimated living cost  is ₽22413 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽5161
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
₽64448
₽72415
₽51054
₽53972
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.

-
-
-
132 000
income
-
-
-
23 786
health

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

-
-
-
5 467
total
-
-
-
29 253
Employee
38 332
-
128 156
-
social contributions
3 841
-
3 844
-
income
4 159
-
29 532
-
total
8 000
-
33 376
-
Employer
38 332
-
128 156
-
social contributions
3 841
-
3 844
-
total
3 841
-
3 844
-
Corporate
89 827
132 000
-
-
income
31 440
46 199
-
-
total
31 440
46 199
-
-
Dividends
58 388
85 801
-
-
social contributions
4 415
4 415
-
-
total
4 415
4 415
-
-
Income
132 000
132 000
132 000
132 000
Total tax
47 696
50 614
37 220
29 253
After tax
84 304
81 386
94 780
102 747
Living cost
30 332
30 332
30 332
30 332
Free-cash
53 972
51 054
64 448
72 415

Estimated living cost  is ₽30332 per week

₽19980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2391
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.
₽7496
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
₽64775
₽67050
₽62813
₽63248
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
-
-
-
132 000
income
-
-
-
19 801
social contributions
-
-
-
18 217
health
-
-
-
9 213
total
-
-
-
47 231
Employee
28 332
-
132 000
-
income
4 725
-
22 076
-
social contributions
3 910
-
18 217
-
health
1 977
-
9 213
-
total
10 612
-
49 506
-
Employer
28 332
-
132 000
-
total
-
-
-
-
Corporate
103 668
132 000
-
-
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%.

5 184
6 600
-
-
total
5 184
6 600
-
-
Dividends
98 485
125 400
-
-
withholding
14 772
18 810
-
-
health
6 874
8 753
-
-
social contributions
13 591
17 305
-
-
total
35 237
44 868
-
-
Income
132 000
132 000
132 000
132 000
Total tax
51 033
51 468
49 506
47 231
After tax
80 967
80 532
82 494
84 769
Living cost
17 719
17 719
17 719
17 719
Free-cash
63 248
62 813
64 775
67 050

Estimated living cost  is ₽17719 per week

₽11858
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
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.
₽4359
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
₽45672
₽51461
₽68001
₽59839
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
-
-
-
132 000
income
-
-
-
13 119
social contributions
-
-
-
26 719
solidarity contribution
-
-
-
-
health
-
-
-
17 820
total
-
-
-
57 658
Employee
33 648
-
100 114
-
solidarity contribution
-
-
-
-
income
4 038
-
12 098
-
social contributions
2 187
-
5 948
-
health
4 542
-
13 515
-
total
10 767
-
31 561
-
Employer
33 648
-
100 114
-
social contributions
8 412
-
22 876
-
health
3 028
-
9 010
-
total
11 440
-
31 886
-
Corporate
86 912
132 000
-
-
income
16 513
25 080
-
-
total
16 513
25 080
-
-
Dividends
70 398
106 920
-
-
withholding
10 560
16 038
-
-
total
10 560
16 038
-
-
Income
132 000
132 000
132 000
132 000
Total tax
49 280
41 118
63 447
57 658
After tax
82 720
90 882
68 553
74 342
Living cost
22 881
22 881
22 881
22 881
Free-cash
59 839
68 001
45 672
51 461

Estimated living cost  is ₽22881 per week

₽17016
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1268
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4202
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
₽95893
₽120973
₽115693
₽113873
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%.

-
-
-
132 000
microenterprise

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

-
-
-
1 320
total
-
-
-
1 320
Employee
12 134
-
132 000
-
income
2 427
-
26 400
-
total
2 427
-
26 400
-
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%.

119 866
132 000
-
-
total
-
-
-
-
Dividends
119 866
132 000
-
-
withholding
5 993
6 600
-
-
total
5 993
6 600
-
-
Income
132 000
132 000
132 000
132 000
Total tax
8 420
6 600
26 400
1 320
After tax
123 580
125 400
105 600
130 680
Living cost
9 707
9 707
9 707
9 707
Free-cash
113 873
115 693
95 893
120 973

Estimated living cost  is ₽9707 per week

₽6569
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽2405
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
₽33874
₽34272
₽26170
₽31915
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
-
-
-
132 000
income
-
-
-
19 423
social contributions
-
-
-
3 761
health
-
-
-
5 108
surtax
-
-
-
-
pensions
-
-
-
24 985
other
-
-
-
4 093
total
-
-
-
57 370
Employee
52 335
-
103 132
-
income
4 566
-
19 191
-
social contributions
1 491
-
2 940
-
surtax
-
-
-
-
pensions
5 919
-
6 768
-
total
11 976
-
28 899
-
Employer
52 335
-
103 132
-
unemployment
2 120
-
4 177
-
social contributions
157
-
309
-
pensions
8 599
-
11 467
-
other
1 806
-
3 851
-
health
3 663
-
9 065
-
total
16 345
-
28 869
-
Corporate
63 320
132 000
-
-
income
17 730
36 960
-
-
surtax
-
-
-
-
total
17 730
36 960
-
-
Dividends
45 590
95 040
-
-
withholding
5 835
12 165
-
-
surtax
-
-
-
-
social contributions
7 841
16 347
-
-
total
13 676
28 512
-
-
Income
132 000
132 000
132 000
132 000
Total tax
59 727
65 472
57 768
57 370
After tax
72 273
66 528
74 232
74 630
Living cost
40 358
40 358
40 358
40 358
Free-cash
31 915
26 170
33 874
34 272

Estimated living cost  is ₽40358 per week

₽27314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽9189
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
₽64809
₽64811
₽80967
₽76870
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.

-
-
-
132 000
income
-
-
-
29 521
health
-
-
-
6 339
unemployment
-
-
-
923
pensions
-
-
-
16 003
total
-
-
-
52 786
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.

21 718
-
120 983
-
income
2 994
-
29 521
-
health
1 118
-
3 170
-
unemployment
163
-
462
-
pensions
3 041
-
8 617
-
total
7 316
-
41 770
-
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.

21 718
-
120 983
-
unemployment
163
-
462
-
pensions
2 606
-
7 386
-
health
1 118
-
3 170
-
total
3 887
-
11 018
-
Corporate
106 394
132 000
-
-
income
15 959
19 800
-
-
total
15 959
19 800
-
-
Dividends
90 435
112 200
-
-
withholding
13 565
16 830
-
-
total
13 565
16 830
-
-
Income
132 000
132 000
132 000
132 000
Total tax
40 727
36 630
52 788
52 786
After tax
91 273
95 370
79 212
79 214
Living cost
14 403
14 403
14 403
14 403
Free-cash
76 870
80 967
64 809
64 811

Estimated living cost  is ₽14403 per week

₽9697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽3175
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
₽42505
₽48591
₽2031
₽26988
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
-
-
-
132 000
regional
-
-
-
6 472
national
-
-
-
2 135
health
-
-
-
297
city
-
-
-
1 392
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.

-
-
-
2 640
pensions
-
-
-
12 145
total
-
-
-
25 081
Employee
68 258
-
118 149
-
regional
2 235
-
5 576
-
city
733
-
1 269
-
health
154
-
265
-
unemployment
-
-
-
-
national
323
-
1 584
-
pensions
5 735
-
9 923
-
total
9 180
-
18 617
-
Employer
68 258
-
118 149
-
unemployment
-
-
-
-
pensions
5 735
-
9 923
-
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.

1 365
-
2 362
-
health
154
-
265
-
total
7 254
-
12 550
-
Corporate
55 737
132 000
-
-
regional
11 788
27 918
-
-
national
4 738
11 221
-
-
total
16 526
39 139
-
-
Dividends
39 211
92 861
-
-
withholding
13 724
32 502
-
-
total
13 724
32 502
-
-
Income
132 000
132 000
132 000
132 000
Total tax
46 684
71 641
31 167
25 081
After tax
85 316
60 359
100 833
106 919
Living cost
58 328
58 328
58 328
58 328
Free-cash
26 988
2 031
42 505
48 591

Estimated living cost  is ₽58328 per week

₽37930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽716
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.
₽14447
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
₽38132
₽55264
₽51577
₽53312
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

-
-
-
132 000
municipal
-
-
-
23 457
national
-
-
-
19 514
health
-
-
-
1 684
total
-
-
-
44 655
Employee
43 962
-
111 047
-
health
328
-
1 362
-
unemployment
660
-
1 665
-
national
726
-
12 217
-
municipal
7 201
-
18 094
-
pensions
2 967
-
7 496
-
total
11 882
-
40 834
-
Employer
43 962
-
111 047
-
unemployment
285
-
721
-
pensions
7 627
-
19 266
-
accident
44
-
111
-
health
338
-
855
-
total
8 294
-
20 953
-
Corporate
79 743
132 000
-
-
income
15 949
26 400
-
-
total
15 949
26 400
-
-
Dividends

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

47 845
79 200
-
-
national
1 870
7 687
-
-
municipal
8 612
14 255
-
-
total
10 482
21 942
-
-
Income
132 000
132 000
132 000
132 000
Total tax
46 607
48 342
61 787
44 655
After tax
85 393
83 658
70 213
87 345
Living cost
32 081
32 081
32 081
32 081
Free-cash
53 312
51 577
38 132
55 264

Estimated living cost  is ₽32081 per week

₽20955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7530
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
₽16854
₽26797
₽43387
₽30856
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
-
-
-
132 000
national
-
-
-
47 522
social contributions
-
-
-
20 526
communal

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

-
-
-
6 688
total
-
-
-
74 736
Employee

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

59 771
-
102 238
-
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.

2 808
-
4 805
-
communal

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

3 117
-
5 333
-
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.

520
-
890
-
national
18 376
-
36 222
-
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.

4 483
-
7 668
-
total
29 304
-
54 918
-
Employer

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

59 771
-
102 238
-
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.

872
-
1 492
-
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.

5 296
-
9 058
-
surtax
6 777
-
11 595
-
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.

777
-
1 329
-
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.

3 676
-
6 287
-
total
17 398
-
29 761
-
Corporate
54 831
132 000
-
-
income
10 967
26 400
-
-
surtax
219
528
-
-
total
11 186
26 928
-
-
Dividends
43 645
105 072
-
-
withholding

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

12 789
31 218
-
-
total
12 789
31 218
-
-
Income
132 000
132 000
132 000
132 000
Total tax
70 677
58 146
84 679
74 736
After tax
61 323
73 854
47 321
57 264
Living cost
30 467
30 467
30 467
30 467
Free-cash
30 856
43 387
16 854
26 797

Estimated living cost  is ₽30467 per week

₽19625
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2664
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7702
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
₽33626
₽34465
₽37477
₽36699
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
-
-
-
132 000
municipal
-
-
-
32 812
national
-
-
-
8 163
health
-
-
-
4 731
accident
-
-
-
152
unemployment
-
-
-
76
pensions
-
-
-
8 196
other
-
-
-
8 810
total
-
-
-
62 940
Employee
49 295
-
108 177
-
national
-
-
7 698
-
municipal
14 700
-
32 258
-
total
14 700
-
39 956
-
Employer
49 295
-
108 177
-
unemployment
1 301
-
2 002
-
pensions
5 329
-
8 196
-
other
5 728
-
8 810
-
accident
99
-
152
-
health
3 032
-
4 663
-
total
15 489
-
23 823
-
Corporate
67 216
132 000
-
-
income
14 788
29 040
-
-
total
14 788
29 040
-
-
Dividends
52 429
102 960
-
-
withholding
15 729
30 888
-
-
total
15 729
30 888
-
-
Income
132 000
132 000
132 000
132 000
Total tax
60 706
59 928
63 779
62 940
After tax
71 294
72 072
68 221
69 060
Living cost
34 595
34 595
34 595
34 595
Free-cash
36 699
37 477
33 626
34 465

Estimated living cost  is ₽34595 per week

₽22928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7747
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
₽82164
₽53031
₽42117
₽15
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
-
-
-
132 000
income
-
-
-
25 729
social contributions
-
-
-
15 048
total
-
-
-
40 777
Employee
54 762
-
-
-
income
12 079
-
-
-
social contributions
4 491
-
640
-
total
16 570
-
640
-
Employer
54 762
-
-
-
social contributions
77 214
-
11 004
-
total
77 214
-
11 004
-
Corporate
24
132 000
-
-
income
5
29 040
-
-
total
5
29 040
-
-
Dividends
19
102 960
-
-
income
4
22 651
-
-
total
4
22 651
-
-
Income
132 000
132 000
132 000
132 000
Total tax
93 793
51 691
11 644
40 777
After tax
38 207
80 309
120 356
91 223
Living cost
38 192
38 192
38 192
38 192
Free-cash
15
42 117
82 164
53 031

Estimated living cost  is ₽38192 per week

₽24780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3592
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.
₽9333
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
₽62675
₽63880
₽69241
₽65777
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
-
-
-
132 000
income
-
-
-
24 131
social contributions
-
-
-
13 520
health
-
-
-
3 366
total
-
-
-
41 017
Employee
64 253
64 253
122 540
-
income
6 747
5 948
23 484
-
social contributions
3 122
5 333
7 193
-
health
639
1 093
2 084
-
total
10 508
12 374
32 761
-
Employer
64 253
64 253
122 540
-
social contributions
3 122
5 333
7 193
-
health
696
1 189
2 268
-
total
3 818
6 522
9 461
-
Corporate
90 571
61 225
-
-
income
11 322
7 653
-
-
total
11 322
7 653
-
-
Dividends
79 249
53 572
-
-
withholding
13 472
9 107
-
-
total
13 472
9 107
-
-
Income
132 000
132 000
132 000
132 000
Total tax
39 120
35 656
42 222
41 017
After tax
92 880
96 344
89 778
90 983
Living cost
27 103
27 103
27 103
27 103
Free-cash
65 777
69 241
62 675
63 880

Estimated living cost  is ₽27103 per week

₽18527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2117
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6003
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
₽46093
₽58106
₽57362
₽62194
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
-
-
-
132 000
income
-
-
-
36 479
pensions
-
-
-
7 106
total
-
-
-
43 585
Employee
41 604
-
115 418
-
income
7 576
-
28 471
-
health
543
-
1 718
-
pensions
3 175
-
8 828
-
total
11 294
-
39 017
-
Employer
41 604
-
115 418
-
pensions
4 203
-
14 389
-
health
791
-
2 192
-
total
4 994
-
16 581
-
Corporate
85 402
132 000
-
-
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.

16 226
25 080
-
-
total
16 226
25 080
-
-
Dividends
69 176
106 920
-
-
withholding
6 983
19 249
-
-
total
6 983
19 249
-
-
Income
132 000
132 000
132 000
132 000
Total tax
39 497
44 329
55 598
43 585
After tax
92 503
87 671
76 402
88 415
Living cost
30 309
30 309
30 309
30 309
Free-cash
62 194
57 362
46 093
58 106

Estimated living cost  is ₽30309 per week

₽20792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2787
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽6349
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
₽23329
₽29123
₽36240
₽32441
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
-
-
-
132 000
municipal
-
-
-
883
regional
-
-
-
3 007
national
-
-
-
31 749
social contributions
-
-
-
33 950
total
-
-
-
69 589
Employee
70 413
-
132 000
-
regional
1 063
-
2 666
-
social contributions
23 743
-
44 511
-
national
11 899
-
27 418
-
municipal
420
-
788
-
total
37 125
-
75 383
-
Employer
70 413
-
132 000
-
total
-
-
-
-
Corporate
61 587
132 000
-
-
nationa
14 780
31 681
-
-
municipal
2 968
6 362
-
-
total
17 748
38 043
-
-
Dividends
43 839
93 957
-
-
withholding
11 398
24 429
-
-
total
11 398
24 429
-
-
Income
132 000
132 000
132 000
132 000
Total tax
66 271
62 472
75 383
69 589
After tax
65 729
69 528
56 617
62 411
Living cost
33 288
33 288
33 288
33 288
Free-cash
32 441
36 240
23 329
29 123

Estimated living cost  is ₽33288 per week

₽23383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽7112
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
₽53933
₽72779
-₽6793
₽8011
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
-
-
-
132 000
income
-
-
-
36 200
health
-
-
-
1 733
accident
-
-
-
201
pensions
-
-
-
3 307
other
-
-
-
295
total
-
-
-
41 736
Employee
27 504
-
118 367
-
income
3 773
-
27 332
-
health
3 149
-
13 553
-
pensions
3 097
-
6 064
-
total
10 019
-
46 949
-
Employer
27 504
-
118 367
-
unemployment
674
-
2 900
-
pensions
4 472
-
8 756
-
accident
459
-
1 977
-
total
5 605
-
13 633
-
Corporate
98 890
132 000
-
-
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.

89 001
118 800
-
-
total
89 001
118 800
-
-
Dividends
9 889
13 200
-
-
withholding
1 879
2 508
-
-
total
1 879
2 508
-
-
Income
132 000
132 000
132 000
132 000
Total tax
106 504
121 308
60 582
41 736
After tax
25 496
10 692
71 418
90 264
Living cost
17 485
17 485
17 485
17 485
Free-cash
8 011
-6 793
53 933
72 779

Estimated living cost  is ₽17485 per week

₽12815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽3337
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
₽52760
₽39393
₽35698
₽46629
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.

-
-
-
132 000
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.

-
-
-
39 119
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.

-
-
-
5 709
trade
-
-
-
13 367
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.

-
-
-
2 152
total
-
-
-
60 347
Employee

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

41 576
-
132 000
-
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.

3 419
-
39 119
-
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.

5 709
-
5 709
-
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.

189
-
2 152
-
total
9 317
-
46 980
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
90 424
132 000
-
-
chamber of commerce
260
320
-
-
income
13 564
19 801
-
-
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.

745
1 089
-
-
trade
12 976
18 943
-
-
total
27 545
40 153
-
-
Dividends
62 879
91 847
-
-
withholding
15 402
22 644
-
-
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.

847
1 245
-
-
total
16 249
23 889
-
-
Income
132 000
132 000
132 000
132 000
Total tax
53 111
64 042
46 980
60 347
After tax
78 889
67 958
85 020
71 653
Living cost
32 260
32 260
32 260
32 260
Free-cash
46 629
35 698
52 760
39 393

Estimated living cost  is ₽32260 per week

₽22254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽6067
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
₽62211
₽26862
₽88216
₽81363
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.

-
-
-
132 000
microenterprise
-
-
-
-
income
-
-
-
22 079
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.

-
-
-
32 015
surtax
-
-
-
33 660
total
-
-
-
87 754
Employee
24 417
-
96 035
-
income
4 346
-
18 706
-
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.

2 686
-
10 564
-
surtax
-
-
-
-
total
7 032
-
29 270
-
Employer
24 417
-
96 035
-
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.

5 881
-
23 135
-
surtax
-
-
-
-
total
5 881
-
23 135
-
Corporate
101 702
132 000
-
-
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%.

20 340
26 400
-
-
total
20 340
26 400
-
-
Dividends

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

81 362
105 600
-
-
total
-
-
-
-
Income
132 000
132 000
132 000
132 000
Total tax
33 253
26 400
52 405
87 754
After tax
98 747
105 600
79 595
44 246
Living cost
17 384
17 384
17 384
17 384
Free-cash
81 363
88 216
62 211
26 862

Estimated living cost  is ₽17384 per week

₽11090
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1655
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.
₽4243
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
₽67885
₽68655
₽71566
₽69790
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
-
-
-
132 000
income
-
-
-
38 951
health
-
-
-
5 713
pensions
-
-
-
7 879
total
-
-
-
52 543
Employee
16 453
-
123 136
-
income
3 183
-
38 538
-
health
823
-
1 970
-
unemployment
165
-
394
-
pensions
1 481
-
3 546
-
total
5 652
-
44 448
-
Employer
16 453
-
123 136
-
unemployment
329
-
788
-
pensions
1 810
-
4 334
-
health
1 563
-
3 743
-
total
3 702
-
8 865
-
Corporate
111 845
132 000
-
-
income
24 606
29 040
-
-
total
24 606
29 040
-
-
Dividends
87 239
102 960
-
-
withholding
17 448
20 592
-
-
total
17 448
20 592
-
-
Income
132 000
132 000
132 000
132 000
Total tax
51 408
49 632
53 313
52 543
After tax
80 592
82 368
78 687
79 457
Living cost
10 802
10 802
10 802
10 802
Free-cash
69 790
71 566
67 885
68 655

Estimated living cost  is ₽10802 per week

₽6419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽247
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.
₽3260
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
₽39036
₽43876
₽64261
₽61602
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
-
-
-
132 000
income
-
-
-
33 980
health
-
-
-
7 917
unemployment
-
-
-
190
surtax
-
-
-
4 965
pensions
-
-
-
22 304
other
-
-
-
-
total
-
-
-
69 356
Employee
28 140
-
109 045
-
other
-
-
-
-
income
4 717
-
29 396
-
health
718
-
2 781
-
unemployment
1 958
-
7 589
-
surtax
100
-
4 201
-
pensions
1 877
-
7 274
-
total
9 370
-
51 241
-
Employer
28 140
-
109 045
-
unemployment
893
-
3 457
-
pensions
3 752
-
14 536
-
other
-
-
-
-
health
1 280
-
4 962
-
total
5 925
-
22 955
-
Corporate
97 936
132 000
-
-
income
25 463
34 319
-
-
total
25 463
34 319
-
-
Dividends
72 473
97 681
-
-
withholding
10 872
14 652
-
-
total
10 872
14 652
-
-
Income
132 000
132 000
132 000
132 000
Total tax
51 630
48 971
74 196
69 356
After tax
80 370
83 029
57 804
62 644
Living cost
18 768
18 768
18 768
18 768
Free-cash
61 602
64 261
39 036
43 876

Estimated living cost  is ₽18768 per week

₽11331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1632
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽5371
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
₽8018
₽41212
₽46613
₽46196
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
-
-
-
132 000
income
-
-
-
32 949
chamber of commerce
-
-
-