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
₽ 134000
per

Your estimated
City
free-cash

Valencia , Spain
₽64188
₽50238
₽53551
₽67674
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
-
-
-
134 000
unemployment
-
-
-
512
income
-
-
-
36 793
other
-
-
-
73
accident
-
-
-
659
pensions
-
-
-
20 705
total
-
-
-
58 742
Employee
29 188
-
110 675
-
unemployment
452
-
1 134
-
pensions
1 372
-
3 439
-
income
5 627
-
34 083
-
other
28
-
73
-
total
7 479
-
38 729
-
Employer
29 188
-
110 675
-
pensions
6 888
-
17 267
-
accident
578
-
1 449
-
unemployment
1 606
-
4 024
-
other
234
-
586
-
total
9 306
-
23 326
-
Corporate
95 507
134 000
-
-
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.

14 327
20 100
-
-
total
14 327
20 100
-
-
Dividends
81 180
113 900
-
-
withholding
16 993
24 519
-
-
total
16 993
24 519
-
-
Income
134 000
134 000
134 000
134 000
Total tax
48 105
44 619
62 055
58 742
After tax
85 895
89 381
71 945
75 258
Living cost
21 707
21 707
21 707
21 707
Free-cash
64 188
67 674
50 238
53 551

Estimated living cost  is ₽21707 per week

₽14652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4588
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
₽72085
₽55033
₽52962
₽77415
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
-
-
-
134 000
pensions

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

-
-
-
28 809
income
-
-
-
20 212
other
-
-
-
5 701
health
-
-
-
5 282
total
-
-
-
60 004
Employee
28 661
-
107 029
-
health
401
-
1 498
-
unemployment
286
-
1 070
-
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.

2 006
-
7 491
-
income
4 934
-
20 903
-
total
7 627
-
30 962
-
Employer
28 661
-
107 029
-
health
401
-
1 498
-
pensions

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

4 873
-
18 194
-
accident
229
-
857
-
unemployment
286
-
1 070
-
other
1 434
-
5 352
-
total
7 223
-
26 971
-
Corporate
98 115
134 000
-
-
income
20 605
28 140
-
-
total
20 605
28 140
-
-
Dividends
77 511
105 860
-
-
withholding
5 426
7 411
-
-
total
5 426
7 411
-
-
Income
134 000
134 000
134 000
134 000
Total tax
40 881
35 551
57 933
60 004
After tax
93 119
98 449
76 067
73 996
Living cost
21 034
21 034
21 034
21 034
Free-cash
72 085
77 415
55 033
52 962

Estimated living cost  is ₽21034 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽339
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.
₽4413
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
₽100530
₽101356
₽96159
₽104203
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
-
-
-
134 000
pensions

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

-
-
-
4 088
unemployment
-
-
-
110
income
-
-
-
20 100
health
-
-
-
3 176
total
-
-
-
27 474
Employee
13 728
-
128 581
-
health
631
-
1 270
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

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

1 205
-
2 425
-
income
1 373
-
12 858
-
total
3 360
-
16 857
-
Employer
13 728
-
128 581
-
health
948
-
1 906
-
pensions

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

1 513
-
3 044
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 694
-
5 420
-
Corporate
117 579
134 000
-
-
income
11 758
13 400
-
-
total
11 758
13 400
-
-
Dividends
105 821
120 600
-
-
withholding
5 291
6 030
-
-
total
5 291
6 030
-
-
Income
134 000
134 000
134 000
134 000
Total tax
23 103
19 430
22 277
27 474
After tax
110 897
114 570
111 723
106 526
Living cost
10 367
10 367
10 367
10 367
Free-cash
100 530
104 203
101 356
96 159

Estimated living cost  is ₽10367 per week

₽6053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
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.
₽3300
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
₽45193
₽47187
₽48589
₽40529
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
-
-
-
134 000
income
-
-
-
20 550
other
-
-
-
4 154
health
-
-
-
5 508
social contributions
-
-
-
3 817
pensions
-
-
-
24 375
surtax
-
-
-
-
total
-
-
-
58 404
Employee
33 784
-
104 114
-
pensions
3 820
-
7 070
-
income
1 994
-
19 885
-
social contributions
963
-
2 966
-
surtax
-
-
-
-
total
6 777
-
29 921
-
Employer
33 784
-
104 114
-
health
2 365
-
9 432
-
social contributions
102
-
313
-
pensions
5 550
-
11 933
-
unemployment
1 368
-
4 217
-
other
1 165
-
3 990
-
total
10 550
-
29 885
-
Corporate
89 666
134 000
-
-
income
25 106
37 520
-
-
surtax
-
-
-
-
total
25 106
37 520
-
-
Dividends
64 560
96 480
-
-
social contributions
11 103
16 595
-
-
surtax
-
-
-
-
withholding
8 264
12 349
-
-
total
19 367
28 944
-
-
Income
134 000
134 000
134 000
134 000
Total tax
61 800
66 464
59 806
58 404
After tax
72 200
67 536
74 194
75 596
Living cost
27 007
27 007
27 007
27 007
Free-cash
45 193
40 529
47 187
48 589

Estimated living cost  is ₽27007 per week

₽17029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2196
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7324
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
₽28361
₽50103
₽41261
₽33197
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
-
-
-
134 000
pensions
-
-
-
9 249
income
-
-
-
40 688
health
-
-
-
9 734
total
-
-
-
59 671
Employee
67 409
67 409
119 330
-
health
10 347
8 801
9 734
-
pensions
12 134
9 249
9 249
-
income

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

11 034
11 034
17 176
-
total
33 515
29 084
36 159
-
Employer
67 409
67 409
119 330
-
health
4 686
4 686
5 823
-
pensions
4 692
4 692
5 832
-
unemployment
2 427
2 427
3 015
-
total
11 805
11 805
14 670
-
Corporate
55 614
54 787
-
-
income
11 123
10 958
-
-
total
11 123
10 958
-
-
Dividends
44 491
43 829
-
-
income
9 454
9 313
-
-
withholding
6 674
6 575
-
-
total
16 128
15 888
-
-
Income
134 000
134 000
134 000
134 000
Total tax
72 571
67 735
50 829
59 671
After tax
61 429
66 265
83 171
74 329
Living cost
33 068
33 068
33 068
33 068
Free-cash
28 361
33 197
50 103
41 261

Estimated living cost  is ₽33068 per week

₽23434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽6127
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
₽52414
₽61589
₽46265
₽43682
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.

-
-
-
134 000
trade
-
-
-
15 324
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.

-
-
-
40 862
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.

-
-
-
5 393
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.

-
-
-
2 247
total
-
-
-
63 826
Employee

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

30 192
-
134 000
-
health

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

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

5 393
-
5 393
-
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.

843
-
40 862
-
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.

46
-
2 247
-
total
6 282
-
48 502
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
103 808
134 000
-
-
income
15 572
20 100
-
-
trade
16 350
21 105
-
-
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.

857
1 106
-
-
chamber of commerce
270
313
-
-
total
33 049
42 624
-
-
Dividends
70 760
91 376
-
-
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.

956
1 240
-
-
withholding
17 390
22 545
-
-
total
18 346
23 785
-
-
Income
134 000
134 000
134 000
134 000
Total tax
57 677
66 409
48 502
63 826
After tax
76 323
67 591
85 498
70 174
Living cost
23 909
23 909
23 909
23 909
Free-cash
52 414
43 682
61 589
46 265

Estimated living cost  is ₽23909 per week

₽15040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5635
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
₽75199
₽72373
₽73566
₽79494
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
-
-
-
134 000
income
-
-
-
25 969
health
-
-
-
3 417
social contributions
-
-
-
12 772
total
-
-
-
42 158
Employee
60 699
60 699
124 895
-
health
470
1 032
2 123
-
income
6 609
5 619
25 328
-
social contributions
2 295
5 038
6 795
-
total
9 374
11 689
34 246
-
Employer
60 699
60 699
124 895
-
health
511
1 123
2 310
-
social contributions
2 295
5 038
6 795
-
total
2 806
6 161
9 105
-
Corporate
103 544
67 140
-
-
income
12 943
8 393
-
-
total
12 943
8 393
-
-
Dividends
90 601
58 747
-
-
withholding
15 402
9 987
-
-
total
15 402
9 987
-
-
Income
134 000
134 000
134 000
134 000
Total tax
40 525
36 230
43 351
42 158
After tax
93 475
97 770
90 649
91 842
Living cost
18 276
18 276
18 276
18 276
Free-cash
75 199
79 494
72 373
73 566

Estimated living cost  is ₽18276 per week

₽10953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5126
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
₽50664
₽37169
₽47225
₽51459
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.

-
-
-
134 000
income
-
-
-
15 450
social contributions

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

-
-
-
46 565
surtax
-
-
-
-
total
-
-
-
62 015
Employee
36 305
-
108 283
-
income
7 552
-
34 444
-
social contributions
3 994
-
11 910
-
surtax
-
-
-
-
total
11 546
-
46 354
-
Employer
36 305
-
108 283
-
social contributions
8 622
-
25 717
-
total
8 622
-
25 717
-
Corporate
89 073
134 000
-
-
income
18 705
28 140
-
-
surtax
-
-
-
-
total
18 705
28 140
-
-
Dividends
70 367
105 860
-
-
withholding
19 703
29 641
-
-
total
19 703
29 641
-
-
Income
134 000
134 000
134 000
134 000
Total tax
58 576
57 781
72 071
62 015
After tax
75 424
76 219
61 929
71 985
Living cost
24 760
24 760
24 760
24 760
Free-cash
50 664
51 459
37 169
47 225

Estimated living cost  is ₽24760 per week

₽18526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1461
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4361
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
₽120192
₽101214
₽126674
₽121314
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%.

-
-
-
134 000
microenterprise

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

-
-
-
1 340
total
-
-
-
1 340
Employee
7 482
-
134 000
-
income
1 496
-
26 800
-
total
1 496
-
26 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

126 518
134 000
-
-
total
-
-
-
-
Dividends
126 518
134 000
-
-
withholding
6 326
6 700
-
-
total
6 326
6 700
-
-
Income
134 000
134 000
134 000
134 000
Total tax
7 822
6 700
26 800
1 340
After tax
126 178
127 300
107 200
132 660
Living cost
5 986
5 986
5 986
5 986
Free-cash
120 192
121 314
101 214
126 674

Estimated living cost  is ₽5986 per week

₽3710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
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.
₽1614
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
₽64483
₽40981
₽44530
₽71085
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.

-
-
-
134 000
pensions
-
-
-
24 471
unemployment
-
-
-
201
income
-
-
-
30 440
health
-
-
-
13 185
total
-
-
-
68 297
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.

34 906
-
115 948
-
health
2 254
-
7 490
-
unemployment
49
-
162
-
pensions
5 411
-
17 971
-
income
6 020
-
28 171
-
total
13 734
-
53 794
-
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.

34 906
-
115 948
-
health
2 325
-
7 722
-
pensions
3 089
-
10 261
-
unemployment
21
-
69
-
total
5 435
-
18 052
-
Corporate
93 659
134 000
-
-
income
17 795
25 460
-
-
total
17 795
25 460
-
-
Dividends
75 865
108 540
-
-
withholding
11 380
16 282
-
-
total
11 380
16 282
-
-
Income
134 000
134 000
134 000
134 000
Total tax
48 344
41 742
71 846
68 297
After tax
85 656
92 258
62 154
65 703
Living cost
21 173
21 173
21 173
21 173
Free-cash
64 483
71 085
40 981
44 530

Estimated living cost  is ₽21173 per week

₽14530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1357
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4876
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽57035
₽66930
₽77910
₽54276
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.

-
-
-
134 000
income
-
-
-
22 470
health

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

-
-
-
4 966
total
-
-
-
27 436
Employee
36 212
-
130 369
-
social contributions
3 628
-
3 631
-
income
3 929
-
31 154
-
total
7 557
-
34 785
-
Employer
36 212
-
130 369
-
social contributions
3 628
-
3 631
-
total
3 628
-
3 631
-
Corporate
94 160
134 000
-
-
income
32 956
46 900
-
-
total
32 956
46 900
-
-
Dividends
61 205
87 100
-
-
social contributions
4 170
4 170
-
-
total
4 170
4 170
-
-
Income
134 000
134 000
134 000
134 000
Total tax
48 311
51 070
38 416
27 436
After tax
85 689
82 930
95 584
106 564
Living cost
28 654
28 654
28 654
28 654
Free-cash
57 035
54 276
66 930
77 910

Estimated living cost  is ₽28654 per week

₽18875
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.
₽439
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.
₽7081
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
₽65424
₽66701
₽69316
₽65014
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
-
-
-
134 000
income
-
-
-
20 100
health
-
-
-
9 353
social contributions
-
-
-
18 493
total
-
-
-
47 946
Employee
26 764
-
134 000
-
health
1 868
-
9 353
-
income
4 464
-
22 715
-
social contributions
3 694
-
18 493
-
total
10 026
-
50 561
-
Employer
26 764
-
134 000
-
total
-
-
-
-
Corporate
107 236
134 000
-
-
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%.

5 361
6 700
-
-
total
5 361
6 700
-
-
Dividends
101 874
127 300
-
-
social contributions
14 059
17 567
-
-
withholding
15 281
19 095
-
-
health
7 111
8 886
-
-
total
36 451
45 548
-
-
Income
134 000
134 000
134 000
134 000
Total tax
51 838
52 248
50 561
47 946
After tax
82 162
81 752
83 439
86 054
Living cost
16 738
16 738
16 738
16 738
Free-cash
65 424
65 014
66 701
69 316

Estimated living cost  is ₽16738 per week

₽11202
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1032
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4118
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
₽62257
₽48478
₽54347
₽70147
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
-
-
-
134 000
income
-
-
-
13 513
health
-
-
-
18 090
social contributions
-
-
-
25 822
solidarity contribution
-
-
-
116
total
-
-
-
57 541
Employee
32 518
-
102 654
-
health
4 390
-
13 858
-
solidarity contribution
-
-
-
-
income
3 902
-
12 457
-
social contributions
2 114
-
5 748
-
total
10 406
-
32 063
-
Employer
32 518
-
102 654
-
health
2 927
-
9 239
-
social contributions
8 130
-
22 108
-
total
11 057
-
31 347
-
Corporate
90 425
134 000
-
-
income
17 181
25 460
-
-
total
17 181
25 460
-
-
Dividends
73 245
108 540
-
-
withholding
10 987
16 281
-
-
total
10 987
16 281
-
-
Income
134 000
134 000
134 000
134 000
Total tax
49 631
41 741
63 410
57 541
After tax
84 369
92 259
70 590
76 459
Living cost
22 112
22 112
22 112
22 112
Free-cash
62 257
70 147
48 478
54 347

Estimated living cost  is ₽22112 per week

₽16444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1225
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.
₽4061
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
₽116223
₽97872
₽123332
₽117972
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%.

-
-
-
134 000
microenterprise

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

-
-
-
1 340
total
-
-
-
1 340
Employee
11 661
-
134 000
-
income
2 332
-
26 800
-
total
2 332
-
26 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

122 339
134 000
-
-
total
-
-
-
-
Dividends
122 339
134 000
-
-
withholding
6 117
6 700
-
-
total
6 117
6 700
-
-
Income
134 000
134 000
134 000
134 000
Total tax
8 449
6 700
26 800
1 340
After tax
125 551
127 300
107 200
132 660
Living cost
9 328
9 328
9 328
9 328
Free-cash
116 223
117 972
97 872
123 332

Estimated living cost  is ₽9328 per week

₽6313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽313
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.
₽2311
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
₽34837
₽36068
₽37470
₽29410
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
-
-
-
134 000
income
-
-
-
20 550
other
-
-
-
4 154
health
-
-
-
5 508
social contributions
-
-
-
3 817
pensions
-
-
-
24 375
surtax
-
-
-
-
total
-
-
-
58 404
Employee
49 440
-
104 114
-
pensions
5 592
-
7 070
-
income
4 314
-
19 885
-
social contributions
1 408
-
2 966
-
surtax
-
-
-
-
total
11 314
-
29 921
-
Employer
49 440
-
104 114
-
health
3 460
-
9 432
-
social contributions
148
-
313
-
pensions
8 124
-
11 933
-
unemployment
2 003
-
4 217
-
other
1 706
-
3 990
-
total
15 441
-
29 885
-
Corporate
69 119
134 000
-
-
income
19 354
37 520
-
-
surtax
-
-
-
-
total
19 354
37 520
-
-
Dividends
49 765
96 480
-
-
social contributions
8 559
16 595
-
-
surtax
-
-
-
-
withholding
6 369
12 349
-
-
total
14 928
28 944
-
-
Income
134 000
134 000
134 000
134 000
Total tax
61 037
66 464
59 806
58 404
After tax
72 963
67 536
74 194
75 596
Living cost
38 126
38 126
38 126
38 126
Free-cash
34 837
29 410
36 068
37 470

Estimated living cost  is ₽38126 per week

₽25803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽8681
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
₽79336
₽68198
₽68200
₽83208
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.

-
-
-
134 000
pensions
-
-
-
15 119
unemployment
-
-
-
872
income
-
-
-
30 213
health
-
-
-
5 989
total
-
-
-
52 193
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.

20 519
-
123 591
-
health
1 057
-
2 995
-
unemployment
154
-
436
-
pensions
2 873
-
8 141
-
income
2 828
-
30 213
-
total
6 912
-
41 785
-
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.

20 519
-
123 591
-
health
1 057
-
2 995
-
pensions
2 462
-
6 978
-
unemployment
154
-
436
-
total
3 673
-
10 409
-
Corporate
109 808
134 000
-
-
income
16 471
20 100
-
-
total
16 471
20 100
-
-
Dividends
93 337
113 900
-
-
withholding
14 001
17 085
-
-
total
14 001
17 085
-
-
Income
134 000
134 000
134 000
134 000
Total tax
41 057
37 185
52 194
52 193
After tax
92 943
96 815
81 806
81 807
Living cost
13 608
13 608
13 608
13 608
Free-cash
79 336
83 208
68 198
68 200

Estimated living cost  is ₽13608 per week

₽9162
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1053
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽30537
₽48058
₽53911
₽7552
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
-
-
-
134 000
pensions
-
-
-
12 328
city
-
-
-
1 413
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.

-
-
-
2 680
health
-
-
-
302
regional
-
-
-
6 951
national
-
-
-
2 693
total
-
-
-
26 367
Employee
62 868
-
120 041
-
health
142
-
270
-
unemployment
-
-
-
-
city
675
-
1 291
-
pensions
5 282
-
9 968
-
regional
2 059
-
6 032
-
national
298
-
2 020
-
total
8 456
-
19 581
-
Employer
62 868
-
120 041
-
health
142
-
270
-
pensions
5 282
-
9 968
-
unemployment
-
-
-
-
other

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

1 257
-
2 401
-
total
6 681
-
12 639
-
Corporate
63 760
134 000
-
-
regional
13 485
28 341
-
-
national
5 420
11 390
-
-
total
18 905
39 731
-
-
Dividends
44 855
94 269
-
-
withholding
15 699
32 995
-
-
total
15 699
32 995
-
-
Income
134 000
134 000
134 000
134 000
Total tax
49 741
72 726
32 220
26 367
After tax
84 259
61 274
101 780
107 633
Living cost
53 722
53 722
53 722
53 722
Free-cash
30 537
7 552
48 058
53 911

Estimated living cost  is ₽53722 per week

₽34935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4821
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽660
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.
₽13307
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
₽55837
₽40308
₽56856
₽53974
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

-
-
-
134 000
municipal
-
-
-
23 807
health
-
-
-
1 735
national
-
-
-
21 296
total
-
-
-
46 838
Employee
41 530
-
112 729
-
health
310
-
1 407
-
unemployment
623
-
1 691
-
pensions
2 803
-
7 610
-
national
686
-
13 043
-
municipal
6 802
-
18 364
-
total
11 224
-
42 115
-
Employer
41 530
-
112 729
-
health
319
-
867
-
pensions
7 205
-
19 559
-
accident
42
-
112
-
unemployment
270
-
733
-
total
7 836
-
21 271
-
Corporate
84 634
134 000
-
-
income
16 927
26 800
-
-
total
16 927
26 800
-
-
Dividends

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

50 780
80 400
-
-
municipal
9 141
14 472
-
-
national
2 729
8 448
-
-
total
11 870
22 920
-
-
Income
134 000
134 000
134 000
134 000
Total tax
47 857
49 720
63 386
46 838
After tax
86 143
84 280
70 614
87 162
Living cost
30 306
30 306
30 306
30 306
Free-cash
55 837
53 974
40 308
56 856

Estimated living cost  is ₽30306 per week

₽19796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7114
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
₽34332
₽18678
₽29280
₽46171
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
-
-
-
134 000
communal

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

-
-
-
6 859
social contributions
-
-
-
19 680
national
-
-
-
49 399
total
-
-
-
75 938
Employee

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

56 464
-
103 784
-
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.

2 653
-
4 879
-
communal

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

2 945
-
5 414
-
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.

491
-
903
-
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.

4 235
-
7 784
-
national
17 359
-
37 348
-
total
27 683
-
56 328
-
Employer

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

56 464
-
103 784
-
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.

3 472
-
6 383
-
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.

5 003
-
9 195
-
surtax
6 402
-
11 768
-
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.

734
-
1 350
-
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.

824
-
1 516
-
total
16 435
-
30 212
-
Corporate
61 100
134 000
-
-
income
12 221
26 800
-
-
surtax
244
536
-
-
total
12 465
27 336
-
-
Dividends
48 635
106 663
-
-
withholding

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

14 303
31 711
-
-
total
14 303
31 711
-
-
Income
134 000
134 000
134 000
134 000
Total tax
70 886
59 047
86 540
75 938
After tax
63 114
74 953
47 460
58 062
Living cost
28 782
28 782
28 782
28 782
Free-cash
34 332
46 171
18 678
29 280

Estimated living cost  is ₽28782 per week

₽18539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽7276
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
₽38228
₽34848
₽35677
₽38993
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
-
-
-
134 000
unemployment
-
-
-
75
municipal
-
-
-
33 489
other
-
-
-
8 702
health
-
-
-
4 673
national
-
-
-
8 967
accident
-
-
-
150
pensions
-
-
-
8 096
total
-
-
-
64 152
Employee
48 691
-
110 469
-
national
-
-
8 508
-
municipal
14 520
-
32 942
-
total
14 520
-
41 450
-
Employer
48 691
-
110 469
-
health
2 994
-
4 606
-
pensions
5 263
-
8 096
-
accident
97
-
150
-
unemployment
1 285
-
1 977
-
other
5 658
-
8 702
-
total
15 297
-
23 531
-
Corporate
70 010
134 000
-
-
income
15 402
29 480
-
-
total
15 402
29 480
-
-
Dividends
54 608
104 520
-
-
withholding
16 382
31 356
-
-
total
16 382
31 356
-
-
Income
134 000
134 000
134 000
134 000
Total tax
61 601
60 836
64 981
64 152
After tax
72 399
73 164
69 019
69 848
Living cost
34 171
34 171
34 171
34 171
Free-cash
38 228
38 993
34 848
35 677

Estimated living cost  is ₽34171 per week

₽22647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3353
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽7652
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
₽1727
₽84472
₽54649
₽43570
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
-
-
-
134 000
income
-
-
-
26 119
social contributions
-
-
-
15 276
total
-
-
-
41 395
Employee
54 424
-
-
-
income
12 005
-
-
-
social contributions
4 463
-
636
-
total
16 468
-
636
-
Employer
54 424
-
-
-
social contributions
76 738
-
10 936
-
total
76 738
-
10 936
-
Corporate
2 838
134 000
-
-
income
624
29 480
-
-
total
624
29 480
-
-
Dividends
2 214
104 520
-
-
income
487
22 994
-
-
total
487
22 994
-
-
Income
134 000
134 000
134 000
134 000
Total tax
94 317
52 474
11 572
41 395
After tax
39 683
81 526
122 428
92 605
Living cost
37 956
37 956
37 956
37 956
Free-cash
1 727
43 570
84 472
54 649

Estimated living cost  is ₽37956 per week

₽24628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9275
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
₽68892
₽65046
₽66239
₽72167
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
-
-
-
134 000
income
-
-
-
25 969
health
-
-
-
3 417
social contributions
-
-
-
12 772
total
-
-
-
42 158
Employee
60 699
60 699
124 895
-
health
604
1 032
2 123
-
income
6 374
5 619
25 328
-
social contributions
2 950
5 038
6 795
-
total
9 928
11 689
34 246
-
Employer
60 699
60 699
124 895
-
health
658
1 123
2 310
-
social contributions
2 950
5 038
6 795
-
total
3 608
6 161
9 105
-
Corporate
94 862
67 140
-
-
income
11 858
8 393
-
-
total
11 858
8 393
-
-
Dividends
83 004
58 747
-
-
withholding
14 111
9 987
-
-
total
14 111
9 987
-
-
Income
134 000
134 000
134 000
134 000
Total tax
39 505
36 230
43 351
42 158
After tax
94 495
97 770
90 649
91 842
Living cost
25 603
25 603
25 603
25 603
Free-cash
68 892
72 167
65 046
66 239

Estimated living cost  is ₽25603 per week

₽17502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
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.
₽5671
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
₽63991
₽48531
₽60657
₽59500
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
-
-
-
134 000
income
-
-
-
38 342
pensions
-
-
-
6 832
total
-
-
-
45 174
Employee
38 666
-
117 053
-
health
504
-
1 696
-
pensions
2 951
-
8 400
-
income
7 041
-
30 257
-
total
10 496
-
40 353
-
Employer
38 666
-
117 053
-
health
735
-
2 225
-
pensions
3 907
-
14 722
-
total
4 642
-
16 947
-
Corporate
90 693
134 000
-
-
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.

17 231
25 460
-
-
total
17 231
25 460
-
-
Dividends
73 462
108 540
-
-
withholding
9 471
20 871
-
-
total
9 471
20 871
-
-
Income
134 000
134 000
134 000
134 000
Total tax
41 840
46 331
57 300
45 174
After tax
92 160
87 669
76 700
88 826
Living cost
28 169
28 169
28 169
28 169
Free-cash
63 991
59 500
48 531
60 657

Estimated living cost  is ₽28169 per week

₽19324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5901
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
₽35545
₽25420
₽31304
₽39135
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
-
-
-
134 000
municipal
-
-
-
896
regional
-
-
-
3 064
social contributions
-
-
-
34 464
national
-
-
-
32 825
total
-
-
-
71 249
Employee
66 517
-
134 000
-
social contributions
22 429
-
45 185
-
regional
1 004
-
2 718
-
national
11 241
-
28 430
-
municipal
397
-
800
-
total
35 071
-
77 133
-
Employer
66 517
-
134 000
-
total
-
-
-
-
Corporate
67 483
134 000
-
-
nationa
16 196
32 160
-
-
municipal
3 252
6 459
-
-
total
19 448
38 619
-
-
Dividends
48 034
95 381
-
-
withholding
12 489
24 799
-
-
total
12 489
24 799
-
-
Income
134 000
134 000
134 000
134 000
Total tax
67 008
63 418
77 133
71 249
After tax
66 992
70 582
56 867
62 751
Living cost
31 447
31 447
31 447
31 447
Free-cash
35 545
39 135
25 420
31 304

Estimated living cost  is ₽31447 per week

₽22089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽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 Source
Gdansk , Poland
₽8270
₽55924
₽74771
-₽5980
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
-
-
-
134 000
pensions
-
-
-
3 184
income
-
-
-
37 065
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
42 395
Employee
26 480
-
120 601
-
health
3 032
-
13 809
-
pensions
2 982
-
5 838
-
income
3 633
-
28 196
-
total
9 647
-
47 843
-
Employer
26 480
-
120 601
-
pensions
4 306
-
8 430
-
accident
442
-
2 014
-
unemployment
649
-
2 955
-
total
5 397
-
13 399
-
Corporate
102 123
134 000
-
-
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.

91 911
120 600
-
-
total
91 911
120 600
-
-
Dividends
10 212
13 400
-
-
withholding
1 941
2 546
-
-
total
1 941
2 546
-
-
Income
134 000
134 000
134 000
134 000
Total tax
108 896
123 146
61 242
42 395
After tax
25 104
10 854
72 758
91 605
Living cost
16 834
16 834
16 834
16 834
Free-cash
8 270
-5 980
55 924
74 771

Estimated living cost  is ₽16834 per week

₽12338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽3212
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
₽48820
₽55022
₽41060
₽38494
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.

-
-
-
134 000
trade
-
-
-
13 963
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.

-
-
-
40 862
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.

-
-
-
5 393
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.

-
-
-
2 247
total
-
-
-
62 465
Employee

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

39 276
-
134 000
-
health

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

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

5 393
-
5 393
-
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.

3 230
-
40 862
-
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.

178
-
2 247
-
total
8 801
-
48 502
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
94 724
134 000
-
-
income
14 208
20 100
-
-
trade
13 593
19 230
-
-
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.

782
1 106
-
-
chamber of commerce
259
316
-
-
total
28 842
40 752
-
-
Dividends
65 882
93 249
-
-
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.

890
1 266
-
-
withholding
16 171
23 012
-
-
total
17 061
24 278
-
-
Income
134 000
134 000
134 000
134 000
Total tax
54 704
65 030
48 502
62 465
After tax
79 296
68 970
85 498
71 535
Living cost
30 476
30 476
30 476
30 476
Free-cash
48 820
38 494
55 022
41 060

Estimated living cost  is ₽30476 per week

₽21023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5731
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
₽84303
₽39199
₽29385
₽90778
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.

-
-
-
134 000
income
-
-
-
23 779
microenterprise
-
-
-
-
social contributions

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

-
-
-
30 244
surtax
-
-
-
34 170
total
-
-
-
88 193
Employee
23 066
-
100 303
-
income
4 106
-
19 791
-
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.

2 538
-
10 348
-
surtax
-
-
14 544
-
total
6 644
-
44 683
-
Employer
23 066
-
100 303
-
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.

5 556
-
22 663
-
surtax
-
-
11 033
-
total
5 556
-
33 696
-
Corporate
105 378
134 000
-
-
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%.

21 075
26 800
-
-
total
21 075
26 800
-
-
Dividends

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

84 303
107 200
-
-
total
-
-
-
-
Income
134 000
134 000
134 000
134 000
Total tax
33 275
26 800
78 379
88 193
After tax
100 725
107 200
55 621
45 807
Living cost
16 422
16 422
16 422
16 422
Free-cash
84 303
90 778
39 199
29 385

Estimated living cost  is ₽16422 per week

₽10477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
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.
₽4009
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
₽72240
₽70898
₽71593
₽73846
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
-
-
-
134 000
income
-
-
-
40 344
health
-
-
-
5 167
pensions
-
-
-
7 126
total
-
-
-
52 637
Employee
14 880
-
125 983
-
health
744
-
1 782
-
unemployment
149
-
356
-
pensions
1 339
-
3 207
-
income
2 879
-
39 970
-
total
5 111
-
45 315
-
Employer
14 880
-
125 983
-
health
1 414
-
3 385
-
pensions
1 637
-
3 919
-
unemployment
298
-
713
-
total
3 349
-
8 017
-
Corporate
115 772
134 000
-
-
income
25 470
29 480
-
-
total
25 470
29 480
-
-
Dividends
90 302
104 520
-
-
withholding
18 060
20 904
-
-
total
18 060
20 904
-
-
Income
134 000
134 000
134 000
134 000
Total tax
51 990
50 384
53 332
52 637
After tax
82 010
83 616
80 668
81 363
Living cost
9 770
9 770
9 770
9 770
Free-cash
72 240
73 846
70 898
71 593

Estimated living cost  is ₽9770 per week

₽5806
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
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.
₽2948
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
₽64045
₽40882
₽45746
₽66557
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
-
-
-
134 000
pensions
-
-
-
21 071
unemployment
-
-
-
180
income
-
-
-
36 287
other
-
-
-
-
health
-
-
-
7 479
surtax
-
-
-
5 507
total
-
-
-
70 524
Employee
26 583
-
111 824
-
health
679
-
2 686
-
unemployment
1 850
-
7 333
-
pensions
1 774
-
7 027
-
income
4 456
-
31 565
-
other
-
-
-
-
surtax
94
-
4 600
-
total
8 853
-
53 211
-
Employer
26 583
-
111 824
-
health
1 209
-
4 794
-
pensions
3 544
-
14 044
-
unemployment
843
-
3 339
-
other
-
-
-
-
total
5 596
-
22 177
-
Corporate
101 820
134 000
-
-
income
26 474
34 840
-
-
total
26 474
34 840
-
-
Dividends
75 346
99 160
-
-
withholding
11 302
14 873
-
-
total
11 302
14 873
-
-
Income
134 000
134 000
134 000
134 000
Total tax
52 225
49 713
75 388
70 524
After tax
81 775
84 287
58 612
63 476
Living cost
17 730
17 730
17 730
17 730
Free-cash
64 045
66 557
40 882
45 746

Estimated living cost  is ₽17730 per week

₽10705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1541
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5074
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
₽48699
₽10437
₽43733
₽49090
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
-
-
-
134 000
pensions
-
-
-
17 061
chamber of commerce
-
-
- <