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
₽ 135000
per

Your estimated
City
free-cash

Valencia , Spain
₽64708
₽50654
₽53985
₽68214
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
-
-
-
135 000
unemployment
-
-
-
515
income
-
-
-
37 111
other
-
-
-
74
accident
-
-
-
663
pensions
-
-
-
20 822
total
-
-
-
59 185
Employee
29 353
-
111 543
-
unemployment
455
-
1 140
-
pensions
1 380
-
3 459
-
income
5 659
-
34 386
-
other
29
-
74
-
total
7 523
-
39 059
-
Employer
29 353
-
111 543
-
pensions
6 927
-
17 365
-
accident
581
-
1 457
-
unemployment
1 615
-
4 046
-
other
235
-
589
-
total
9 358
-
23 457
-
Corporate
96 289
135 000
-
-
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.

14 444
20 250
-
-
total
14 444
20 250
-
-
Dividends
81 845
114 750
-
-
withholding
17 137
24 706
-
-
total
17 137
24 706
-
-
Income
135 000
135 000
135 000
135 000
Total tax
48 462
44 956
62 516
59 185
After tax
86 538
90 044
72 484
75 815
Living cost
21 830
21 830
21 830
21 830
Free-cash
64 708
68 214
50 654
53 985

Estimated living cost  is ₽21830 per week

₽14735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2098
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.
₽4614
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
₽72670
₽55475
₽53442
₽78031
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
-
-
-
135 000
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.

-
-
-
28 972
income
-
-
-
20 387
other
-
-
-
5 734
health
-
-
-
5 312
total
-
-
-
60 405
Employee
28 823
-
107 827
-
health
404
-
1 509
-
unemployment
288
-
1 079
-
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.

2 017
-
7 547
-
income
4 962
-
21 063
-
total
7 671
-
31 198
-
Employer
28 823
-
107 827
-
health
404
-
1 509
-
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.

4 901
-
18 331
-
accident
230
-
863
-
unemployment
288
-
1 079
-
other
1 442
-
5 392
-
total
7 265
-
27 174
-
Corporate
98 912
135 000
-
-
income
20 771
28 350
-
-
total
20 771
28 350
-
-
Dividends
78 141
106 650
-
-
withholding
5 470
7 466
-
-
total
5 470
7 466
-
-
Income
135 000
135 000
135 000
135 000
Total tax
41 177
35 816
58 372
60 405
After tax
93 823
99 184
76 628
74 595
Living cost
21 153
21 153
21 153
21 153
Free-cash
72 670
78 031
55 475
53 442

Estimated living cost  is ₽21153 per week

₽14946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1428
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽340
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.
₽4438
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
₽101364
₽102228
₽96981
₽105042
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
-
-
-
135 000
pensions

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

-
-
-
4 094
unemployment
-
-
-
111
income
-
-
-
20 250
health
-
-
-
3 181
total
-
-
-
27 636
Employee
13 749
-
129 573
-
health
632
-
1 272
-
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.

1 207
-
2 429
-
income
1 375
-
12 957
-
total
3 365
-
16 962
-
Employer
13 749
-
129 573
-
health
949
-
1 909
-
pensions

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

1 515
-
3 048
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 697
-
5 427
-
Corporate
118 553
135 000
-
-
income
11 856
13 500
-
-
total
11 856
13 500
-
-
Dividends
106 698
121 500
-
-
withholding
5 335
6 075
-
-
total
5 335
6 075
-
-
Income
135 000
135 000
135 000
135 000
Total tax
23 253
19 575
22 389
27 636
After tax
111 747
115 425
112 611
107 364
Living cost
10 383
10 383
10 383
10 383
Free-cash
101 364
105 042
102 228
96 981

Estimated living cost  is ₽10383 per week

₽6062
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽742
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.
₽3305
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
₽45571
₽47558
₽48995
₽40879
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
-
-
-
135 000
income
-
-
-
20 724
other
-
-
-
4 185
health
-
-
-
5 557
social contributions
-
-
-
3 846
pensions
-
-
-
24 533
surtax
-
-
-
-
total
-
-
-
58 845
Employee
33 975
-
104 877
-
pensions
3 841
-
7 127
-
income
2 005
-
20 044
-
social contributions
969
-
2 989
-
surtax
-
-
-
-
total
6 815
-
30 160
-
Employer
33 975
-
104 877
-
health
2 379
-
9 508
-
social contributions
102
-
315
-
pensions
5 581
-
12 030
-
unemployment
1 375
-
4 248
-
other
1 172
-
4 021
-
total
10 609
-
30 122
-
Corporate
90 415
135 000
-
-
income
25 316
37 800
-
-
surtax
-
-
-
-
total
25 316
37 800
-
-
Dividends
65 099
97 200
-
-
social contributions
11 197
16 719
-
-
surtax
-
-
-
-
withholding
8 332
12 442
-
-
total
19 529
29 161
-
-
Income
135 000
135 000
135 000
135 000
Total tax
62 269
66 961
60 282
58 845
After tax
72 731
68 039
74 718
76 155
Living cost
27 160
27 160
27 160
27 160
Free-cash
45 571
40 879
47 558
48 995

Estimated living cost  is ₽27160 per week

₽17125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2208
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7365
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
₽28649
₽50565
₽41612
₽33512
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
-
-
-
135 000
pensions
-
-
-
9 301
income
-
-
-
41 043
health
-
-
-
9 789
total
-
-
-
60 133
Employee
67 791
67 791
120 247
-
health
10 405
8 850
9 789
-
pensions
12 202
9 301
9 301
-
income

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

11 096
11 096
17 337
-
total
33 703
29 247
36 427
-
Employer
67 791
67 791
120 247
-
health
4 712
4 712
5 856
-
pensions
4 718
4 718
5 865
-
unemployment
2 440
2 440
3 032
-
total
11 870
11 870
14 753
-
Corporate
56 170
55 339
-
-
income
11 234
11 068
-
-
total
11 234
11 068
-
-
Dividends
44 936
44 271
-
-
income
9 549
9 408
-
-
withholding
6 740
6 640
-
-
total
16 289
16 048
-
-
Income
135 000
135 000
135 000
135 000
Total tax
73 096
68 233
51 180
60 133
After tax
61 904
66 767
83 820
74 867
Living cost
33 255
33 255
33 255
33 255
Free-cash
28 649
33 512
50 565
41 612

Estimated living cost  is ₽33255 per week

₽23567
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
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.
₽6161
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
₽52831
₽62072
₽46623
₽44053
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.

-
-
-
135 000
trade
-
-
-
15 449
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.

-
-
-
41 194
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.

-
-
-
5 423
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.

-
-
-
2 266
total
-
-
-
64 332
Employee

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

30 363
-
135 000
-
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.

5 423
-
5 423
-
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.

848
-
41 194
-
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.

47
-
2 266
-
total
6 318
-
48 883
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
104 637
135 000
-
-
income
15 696
20 250
-
-
trade
16 481
21 262
-
-
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.

863
1 113
-
-
chamber of commerce
271
315
-
-
total
33 311
42 940
-
-
Dividends
71 326
92 060
-
-
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.

964
1 249
-
-
withholding
17 531
22 713
-
-
total
18 495
23 962
-
-
Income
135 000
135 000
135 000
135 000
Total tax
58 124
66 902
48 883
64 332
After tax
76 876
68 098
86 117
70 668
Living cost
24 045
24 045
24 045
24 045
Free-cash
52 831
44 053
62 072
46 623

Estimated living cost  is ₽24045 per week

₽15125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2804
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5667
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
₽75799
₽72935
₽74135
₽80118
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
-
-
-
135 000
income
-
-
-
26 199
health
-
-
-
3 442
social contributions
-
-
-
12 844
total
-
-
-
42 485
Employee
61 042
61 042
125 839
-
health
473
1 038
2 139
-
income
6 646
5 651
25 553
-
social contributions
2 308
5 066
6 833
-
total
9 427
11 755
34 525
-
Employer
61 042
61 042
125 839
-
health
514
1 130
2 327
-
social contributions
2 308
5 066
6 833
-
total
2 822
6 196
9 160
-
Corporate
104 371
67 762
-
-
income
13 046
8 471
-
-
total
13 046
8 471
-
-
Dividends
91 326
59 291
-
-
withholding
15 526
10 080
-
-
total
15 526
10 080
-
-
Income
135 000
135 000
135 000
135 000
Total tax
40 821
36 502
43 685
42 485
After tax
94 179
98 498
91 315
92 515
Living cost
18 380
18 380
18 380
18 380
Free-cash
75 799
80 118
72 935
74 135

Estimated living cost  is ₽18380 per week

₽11015
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1803
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽5155
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
₽51090
₽37473
₽47614
₽51887
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.

-
-
-
135 000
income
-
-
-
15 573
social contributions

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

-
-
-
46 913
surtax
-
-
-
-
total
-
-
-
62 486
Employee
36 510
-
109 090
-
income
7 594
-
34 717
-
social contributions
4 016
-
12 000
-
surtax
-
-
-
-
total
11 610
-
46 717
-
Employer
36 510
-
109 090
-
social contributions
8 671
-
25 910
-
total
8 671
-
25 910
-
Corporate
89 818
135 000
-
-
income
18 862
28 350
-
-
surtax
-
-
-
-
total
18 862
28 350
-
-
Dividends
70 956
106 650
-
-
withholding
19 867
29 863
-
-
total
19 867
29 863
-
-
Income
135 000
135 000
135 000
135 000
Total tax
59 010
58 213
72 627
62 486
After tax
75 990
76 787
62 373
72 514
Living cost
24 900
24 900
24 900
24 900
Free-cash
51 090
51 887
37 473
47 614

Estimated living cost  is ₽24900 per week

₽18630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽416
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.
₽4385
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
₽121115
₽101992
₽127642
₽122242
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%.

-
-
-
135 000
microenterprise

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

-
-
-
1 350
total
-
-
-
1 350
Employee
7 510
-
135 000
-
income
1 502
-
27 000
-
total
1 502
-
27 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

127 490
135 000
-
-
total
-
-
-
-
Dividends
127 490
135 000
-
-
withholding
6 375
6 750
-
-
total
6 375
6 750
-
-
Income
135 000
135 000
135 000
135 000
Total tax
7 877
6 750
27 000
1 350
After tax
127 123
128 250
108 000
133 650
Living cost
6 008
6 008
6 008
6 008
Free-cash
121 115
122 242
101 992
127 642

Estimated living cost  is ₽6008 per week

₽3723
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽499
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.
₽1620
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
₽65015
₽41309
₽44886
₽71655
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.

-
-
-
135 000
pensions
-
-
-
24 655
unemployment
-
-
-
202
income
-
-
-
30 680
health
-
-
-
13 284
total
-
-
-
68 821
Employee

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

35 104
-
116 811
-
health
2 267
-
7 547
-
unemployment
50
-
164
-
pensions
5 441
-
18 106
-
income
6 054
-
28 392
-
total
13 812
-
54 209
-
Employer

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

35 104
-
116 811
-
health
2 338
-
7 781
-
pensions
3 106
-
10 337
-
unemployment
21
-
71
-
total
5 465
-
18 189
-
Corporate
94 431
135 000
-
-
income
17 942
25 650
-
-
total
17 942
25 650
-
-
Dividends
76 489
109 350
-
-
withholding
11 473
16 402
-
-
total
11 473
16 402
-
-
Income
135 000
135 000
135 000
135 000
Total tax
48 692
42 052
72 398
68 821
After tax
86 308
92 948
62 602
66 179
Living cost
21 293
21 293
21 293
21 293
Free-cash
65 015
71 655
41 309
44 886

Estimated living cost  is ₽21293 per week

₽14613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1365
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.
₽4904
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
₽57514
₽67465
₽78603
₽54739
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.

-
-
-
135 000
income
-
-
-
22 597
health

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

-
-
-
4 983
total
-
-
-
27 580
Employee
36 417
-
131 348
-
social contributions
3 649
-
3 652
-
income
3 951
-
31 414
-
total
7 600
-
35 066
-
Employer
36 417
-
131 348
-
social contributions
3 649
-
3 652
-
total
3 649
-
3 652
-
Corporate
94 935
135 000
-
-
income
33 226
47 250
-
-
total
33 226
47 250
-
-
Dividends
61 708
87 750
-
-
social contributions
4 194
4 194
-
-
total
4 194
4 194
-
-
Income
135 000
135 000
135 000
135 000
Total tax
48 669
51 444
38 718
27 580
After tax
86 331
83 556
96 282
107 420
Living cost
28 817
28 817
28 817
28 817
Free-cash
57 514
54 739
67 465
78 603

Estimated living cost  is ₽28817 per week

₽18981
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7121
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
₽65940
₽67222
₽69864
₽65531
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
-
-
-
135 000
income
-
-
-
20 250
health
-
-
-
9 423
social contributions
-
-
-
18 630
total
-
-
-
48 303
Employee
26 916
-
135 000
-
health
1 879
-
9 423
-
income
4 489
-
22 892
-
social contributions
3 715
-
18 630
-
total
10 083
-
50 945
-
Employer
26 916
-
135 000
-
total
-
-
-
-
Corporate
108 084
135 000
-
-
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%.

5 404
6 750
-
-
total
5 404
6 750
-
-
Dividends
102 681
128 250
-
-
social contributions
14 170
17 698
-
-
withholding
15 402
19 237
-
-
health
7 168
8 951
-
-
total
36 740
45 886
-
-
Income
135 000
135 000
135 000
135 000
Total tax
52 227
52 636
50 945
48 303
After tax
82 773
82 364
84 055
86 697
Living cost
16 833
16 833
16 833
16 833
Free-cash
65 940
65 531
67 222
69 864

Estimated living cost  is ₽16833 per week

₽11265
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4141
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
₽62817
₽48972
₽54866
₽70740
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
-
-
-
135 000
income
-
-
-
13 626
health
-
-
-
18 225
social contributions
-
-
-
25 933
solidarity contribution
-
-
-
142
total
-
-
-
57 926
Employee
32 659
-
103 484
-
health
4 409
-
13 970
-
solidarity contribution
-
-
-
-
income
3 919
-
12 561
-
social contributions
2 123
-
5 773
-
total
10 451
-
32 304
-
Employer
32 659
-
103 484
-
health
2 939
-
9 313
-
social contributions
8 165
-
22 203
-
total
11 104
-
31 516
-
Corporate
91 238
135 000
-
-
income
17 335
25 650
-
-
total
17 335
25 650
-
-
Dividends
73 902
109 350
-
-
withholding
11 085
16 402
-
-
total
11 085
16 402
-
-
Income
135 000
135 000
135 000
135 000
Total tax
49 975
42 052
63 820
57 926
After tax
85 025
92 948
71 180
77 074
Living cost
22 208
22 208
22 208
22 208
Free-cash
62 817
70 740
48 972
54 866

Estimated living cost  is ₽22208 per week

₽16515
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽384
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.
₽4078
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
₽117131
₽98637
₽124287
₽118887
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%.

-
-
-
135 000
microenterprise

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

-
-
-
1 350
total
-
-
-
1 350
Employee
11 704
-
135 000
-
income
2 341
-
27 000
-
total
2 341
-
27 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

123 296
135 000
-
-
total
-
-
-
-
Dividends
123 296
135 000
-
-
withholding
6 165
6 750
-
-
total
6 165
6 750
-
-
Income
135 000
135 000
135 000
135 000
Total tax
8 506
6 750
27 000
1 350
After tax
126 494
128 250
108 000
133 650
Living cost
9 363
9 363
9 363
9 363
Free-cash
117 131
118 887
98 637
124 287

Estimated living cost  is ₽9363 per week

₽6336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽314
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.
₽2320
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
₽35155
₽36377
₽37814
₽29698
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
-
-
-
135 000
income
-
-
-
20 724
other
-
-
-
4 185
health
-
-
-
5 557
social contributions
-
-
-
3 846
pensions
-
-
-
24 533
surtax
-
-
-
-
total
-
-
-
58 845
Employee
49 720
-
104 877
-
pensions
5 624
-
7 127
-
income
4 338
-
20 044
-
social contributions
1 416
-
2 989
-
surtax
-
-
-
-
total
11 378
-
30 160
-
Employer
49 720
-
104 877
-
health
3 480
-
9 508
-
social contributions
149
-
315
-
pensions
8 170
-
12 030
-
unemployment
2 014
-
4 248
-
other
1 716
-
4 021
-
total
15 529
-
30 122
-
Corporate
69 752
135 000
-
-
income
19 531
37 800
-
-
surtax
-
-
-
-
total
19 531
37 800
-
-
Dividends
50 221
97 200
-
-
social contributions
8 638
16 719
-
-
surtax
-
-
-
-
withholding
6 428
12 442
-
-
total
15 066
29 161
-
-
Income
135 000
135 000
135 000
135 000
Total tax
61 504
66 961
60 282
58 845
After tax
73 496
68 039
74 718
76 155
Living cost
38 341
38 341
38 341
38 341
Free-cash
35 155
29 698
36 377
37 814

Estimated living cost  is ₽38341 per week

₽25949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3136
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.
₽8730
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
₽79965
₽68775
₽68774
₽83856
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.

-
-
-
135 000
pensions
-
-
-
15 201
unemployment
-
-
-
877
income
-
-
-
30 445
health
-
-
-
6 022
total
-
-
-
52 545
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.

20 631
-
124 535
-
health
1 062
-
3 011
-
unemployment
155
-
438
-
pensions
2 888
-
8 185
-
income
2 844
-
30 445
-
total
6 949
-
42 079
-
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.

20 631
-
124 535
-
health
1 062
-
3 011
-
pensions
2 476
-
7 016
-
unemployment
155
-
438
-
total
3 693
-
10 465
-
Corporate
110 676
135 000
-
-
income
16 601
20 250
-
-
total
16 601
20 250
-
-
Dividends
94 075
114 750
-
-
withholding
14 111
17 213
-
-
total
14 111
17 213
-
-
Income
135 000
135 000
135 000
135 000
Total tax
41 354
37 463
52 544
52 545
After tax
93 646
97 537
82 456
82 455
Living cost
13 681
13 681
13 681
13 681
Free-cash
79 965
83 856
68 775
68 774

Estimated living cost  is ₽13681 per week

₽9212
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽3016
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
₽30833
₽48533
₽54412
₽7728
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
-
-
-
135 000
pensions
-
-
-
12 421
city
-
-
-
1 423
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.

-
-
-
2 701
health
-
-
-
304
regional
-
-
-
7 011
national
-
-
-
2 724
total
-
-
-
26 584
Employee
63 198
-
120 947
-
health
143
-
272
-
unemployment
-
-
-
-
city
678
-
1 301
-
pensions
5 310
-
10 032
-
regional
2 069
-
6 088
-
national
299
-
2 047
-
total
8 499
-
19 740
-
Employer
63 198
-
120 947
-
health
143
-
272
-
pensions
5 310
-
10 032
-
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.

1 264
-
2 419
-
total
6 717
-
12 723
-
Corporate
64 391
135 000
-
-
regional
13 619
28 553
-
-
national
5 473
11 475
-
-
total
19 092
40 028
-
-
Dividends
45 299
94 972
-
-
withholding
15 855
33 240
-
-
total
15 855
33 240
-
-
Income
135 000
135 000
135 000
135 000
Total tax
50 163
73 268
32 463
26 584
After tax
84 837
61 732
102 537
108 416
Living cost
54 004
54 004
54 004
54 004
Free-cash
30 833
7 728
48 533
54 412

Estimated living cost  is ₽54004 per week

₽35118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4846
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽663
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.
₽13376
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
₽56295
₽40648
₽57298
₽54417
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

-
-
-
135 000
municipal
-
-
-
23 986
health
-
-
-
1 747
national
-
-
-
21 491
total
-
-
-
47 224
Employee
41 765
-
113 571
-
health
312
-
1 418
-
unemployment
627
-
1 704
-
pensions
2 819
-
7 666
-
national
690
-
13 156
-
municipal
6 841
-
18 501
-
total
11 289
-
42 445
-
Employer
41 765
-
113 571
-
health
321
-
874
-
pensions
7 246
-
19 704
-
accident
42
-
113
-
unemployment
271
-
738
-
total
7 880
-
21 429
-
Corporate
85 354
135 000
-
-
income
17 071
27 000
-
-
total
17 071
27 000
-
-
Dividends

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

51 212
81 000
-
-
municipal
9 218
14 579
-
-
national
2 769
8 526
-
-
total
11 987
23 105
-
-
Income
135 000
135 000
135 000
135 000
Total tax
48 227
50 105
63 874
47 224
After tax
86 773
84 895
71 126
87 776
Living cost
30 478
30 478
30 478
30 478
Free-cash
56 295
54 417
40 648
57 298

Estimated living cost  is ₽30478 per week

₽19908
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2932
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7154
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
₽34659
₽18857
₽29552
₽46568
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
-
-
-
135 000
communal

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

-
-
-
6 913
social contributions
-
-
-
19 792
national
-
-
-
49 799
total
-
-
-
76 504
Employee

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

56 784
-
104 561
-
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.

2 668
-
4 914
-
communal

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

2 962
-
5 453
-
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.

494
-
910
-
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.

4 259
-
7 843
-
national
17 458
-
37 642
-
total
27 841
-
56 762
-
Employer

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

56 784
-
104 561
-
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.

3 492
-
6 431
-
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.

5 032
-
9 265
-
surtax
6 439
-
11 856
-
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.

738
-
1 359
-
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.

829
-
1 526
-
total
16 530
-
30 437
-
Corporate
61 687
135 000
-
-
income
12 338
27 000
-
-
surtax
247
539
-
-
total
12 585
27 539
-
-
Dividends
49 102
107 460
-
-
withholding

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

14 441
31 949
-
-
total
14 441
31 949
-
-
Income
135 000
135 000
135 000
135 000
Total tax
71 397
59 488
87 199
76 504
After tax
63 603
75 512
47 801
58 496
Living cost
28 944
28 944
28 944
28 944
Free-cash
34 659
46 568
18 857
29 552

Estimated living cost  is ₽28944 per week

₽18644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7317
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
₽38588
₽35164
₽35998
₽39359
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
-
-
-
135 000
unemployment
-
-
-
75
municipal
-
-
-
33 753
other
-
-
-
8 748
health
-
-
-
4 698
national
-
-
-
9 088
accident
-
-
-
151
pensions
-
-
-
8 138
total
-
-
-
64 651
Employee
48 947
-
111 345
-
national
-
-
8 627
-
municipal
14 596
-
33 203
-
total
14 596
-
41 830
-
Employer
48 947
-
111 345
-
health
3 010
-
4 630
-
pensions
5 291
-
8 138
-
accident
98
-
151
-
unemployment
1 292
-
1 988
-
other
5 688
-
8 748
-
total
15 379
-
23 655
-
Corporate
70 674
135 000
-
-
income
15 548
29 700
-
-
total
15 548
29 700
-
-
Dividends
55 125
105 300
-
-
withholding
16 538
31 590
-
-
total
16 538
31 590
-
-
Income
135 000
135 000
135 000
135 000
Total tax
62 061
61 290
65 485
64 651
After tax
72 939
73 710
69 515
70 349
Living cost
34 351
34 351
34 351
34 351
Free-cash
38 588
39 359
35 164
35 998

Estimated living cost  is ₽34351 per week

₽22767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽7692
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
₽1874
₽85184
₽55120
₽43958
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
-
-
-
135 000
income
-
-
-
26 314
social contributions
-
-
-
15 390
total
-
-
-
41 704
Employee
54 739
-
-
-
income
12 074
-
-
-
social contributions
4 489
-
640
-
total
16 563
-
640
-
Employer
54 739
-
-
-
social contributions
77 182
-
11 000
-
total
77 182
-
11 000
-
Corporate
3 078
135 000
-
-
income
677
29 700
-
-
total
677
29 700
-
-
Dividends
2 401
105 300
-
-
income
528
23 166
-
-
total
528
23 166
-
-
Income
135 000
135 000
135 000
135 000
Total tax
94 950
52 866
11 640
41 704
After tax
40 050
82 134
123 360
93 296
Living cost
38 176
38 176
38 176
38 176
Free-cash
1 874
43 958
85 184
55 120

Estimated living cost  is ₽38176 per week

₽24770
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9329
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
₽69460
₽65567
₽66767
₽72750
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
-
-
-
135 000
income
-
-
-
26 199
health
-
-
-
3 442
social contributions
-
-
-
12 844
total
-
-
-
42 485
Employee
61 042
61 042
125 839
-
health
607
1 038
2 139
-
income
6 410
5 651
25 553
-
social contributions
2 966
5 066
6 833
-
total
9 983
11 755
34 525
-
Employer
61 042
61 042
125 839
-
health
661
1 130
2 327
-
social contributions
2 966
5 066
6 833
-
total
3 627
6 196
9 160
-
Corporate
95 641
67 762
-
-
income
11 955
8 471
-
-
total
11 955
8 471
-
-
Dividends
83 686
59 291
-
-
withholding
14 227
10 080
-
-
total
14 227
10 080
-
-
Income
135 000
135 000
135 000
135 000
Total tax
39 792
36 502
43 685
42 485
After tax
95 208
98 498
91 315
92 515
Living cost
25 748
25 748
25 748
25 748
Free-cash
69 460
72 750
65 567
66 767

Estimated living cost  is ₽25748 per week

₽17601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2011
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
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.
₽5703
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
₽64503
₽48966
₽61179
₽59998
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
-
-
-
135 000
income
-
-
-
38 681
pensions
-
-
-
6 867
total
-
-
-
45 548
Employee
38 808
-
117 922
-
health
506
-
1 707
-
pensions
2 962
-
8 439
-
income
7 067
-
30 537
-
total
10 535
-
40 683
-
Employer
38 808
-
117 922
-
health
738
-
2 241
-
pensions
3 921
-
14 837
-
total
4 659
-
17 078
-
Corporate
91 533
135 000
-
-
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.

17 392
25 649
-
-
total
17 392
25 649
-
-
Dividends
74 141
109 351
-
-
withholding
9 638
21 080
-
-
total
9 638
21 080
-
-
Income
135 000
135 000
135 000
135 000
Total tax
42 224
46 729
57 761
45 548
After tax
92 776
88 271
77 239
89 452
Living cost
28 273
28 273
28 273
28 273
Free-cash
64 503
59 998
48 966
61 179

Estimated living cost  is ₽28273 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2600
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽5922
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
₽35873
₽25653
₽31579
₽39485
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
-
-
-
135 000
municipal
-
-
-
902
regional
-
-
-
3 087
social contributions
-
-
-
34 722
national
-
-
-
33 085
total
-
-
-
71 796
Employee
66 894
-
135 000
-
social contributions
22 556
-
45 522
-
regional
1 010
-
2 738
-
national
11 304
-
28 656
-
municipal
399
-
806
-
total
35 269
-
77 722
-
Employer
66 894
-
135 000
-
total
-
-
-
-
Corporate
68 106
135 000
-
-
nationa
16 345
32 399
-
-
municipal
3 283
6 506
-
-
total
19 628
38 905
-
-
Dividends
48 479
96 094
-
-
withholding
12 605
24 985
-
-
total
12 605
24 985
-
-
Income
135 000
135 000
135 000
135 000
Total tax
67 502
63 890
77 722
71 796
After tax
67 498
71 110
57 278
63 204
Living cost
31 625
31 625
31 625
31 625
Free-cash
35 873
39 485
25 653
31 579

Estimated living cost  is ₽31625 per week

₽22214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2175
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽6756
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
₽8329
₽56307
₽75302
-₽6053
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
-
-
-
135 000
pensions
-
-
-
3 213
income
-
-
-
37 332
other
-
-
-
286
health
-
-
-
1 684
accident
-
-
-
195
total
-
-
-
42 710
Employee
26 723
-
121 488
-
health
3 060
-
13 910
-
pensions
3 009
-
5 891
-
income
3 666
-
28 392
-
total
9 735
-
48 193
-
Employer
26 723
-
121 488
-
pensions
4 345
-
8 507
-
accident
446
-
2 029
-
unemployment
655
-
2 976
-
total
5 446
-
13 512
-
Corporate
102 831
135 000
-
-
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.

92 548
121 500
-
-
total
92 548
121 500
-
-
Dividends
10 283
13 500
-
-
withholding
1 954
2 565
-
-
total
1 954
2 565
-
-
Income
135 000
135 000
135 000
135 000
Total tax
109 683
124 065
61 705
42 710
After tax
25 317
10 935
73 295
92 290
Living cost
16 988
16 988
16 988
16 988
Free-cash
8 329
-6 053
56 307
75 302

Estimated living cost  is ₽16988 per week

₽12451
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽941
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽355
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.
₽3242
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
₽49224
₽55469
₽41393
₽38840
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.

-
-
-
135 000
trade
-
-
-
14 076
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.

-
-
-
41 194
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.

-
-
-
5 423
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.

-
-
-
2 266
total
-
-
-
62 959
Employee

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

39 498
-
135 000
-
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.

5 423
-
5 423
-
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.

3 248
-
41 194
-
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.

179
-
2 266
-
total
8 850
-
48 883
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
95 502
135 000
-
-
income
14 325
20 250
-
-
trade
13 704
19 373
-
-
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.

788
1 113
-
-
chamber of commerce
261
318
-
-
total
29 078
41 054
-
-
Dividends
66 424
93 946
-
-
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.

896
1 274
-
-
withholding
16 304
23 184
-
-
total
17 200
24 458
-
-
Income
135 000
135 000
135 000
135 000
Total tax
55 128
65 512
48 883
62 959
After tax
79 872
69 488
86 117
72 041
Living cost
30 648
30 648
30 648
30 648
Free-cash
49 224
38 840
55 469
41 393

Estimated living cost  is ₽30648 per week

₽21142
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
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.
₽5764
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
₽84974
₽39557
₽29655
₽91485
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.

-
-
-
135 000
income
-
-
-
23 989
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.

-
-
-
30 415
surtax
-
-
-
34 426
total
-
-
-
88 830
Employee
23 196
-
101 090
-
income
4 129
-
19 953
-
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.

2 552
-
10 407
-
surtax
-
-
14 658
-
total
6 681
-
45 018
-
Employer
23 196
-
101 090
-
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.

5 587
-
22 791
-
surtax
-
-
11 119
-
total
5 587
-
33 910
-
Corporate
106 216
135 000
-
-
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%.

21 243
27 000
-
-
total
21 243
27 000
-
-
Dividends

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

84 974
108 000
-
-
total
-
-
-
-
Income
135 000
135 000
135 000
135 000
Total tax
33 511
27 000
78 928
88 830
After tax
101 489
108 000
56 072
46 170
Living cost
16 515
16 515
16 515
16 515
Free-cash
84 974
91 485
39 557
29 655

Estimated living cost  is ₽16515 per week

₽10536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4031
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
₽72798
₽71451
₽72151
₽74412
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
-
-
-
135 000
income
-
-
-
40 655
health
-
-
-
5 197
pensions
-
-
-
7 169
total
-
-
-
53 021
Employee
14 969
-
126 935
-
health
748
-
1 792
-
unemployment
150
-
359
-
pensions
1 347
-
3 226
-
income
2 896
-
40 279
-
total
5 141
-
45 656
-
Employer
14 969
-
126 935
-
health
1 422
-
3 405
-
pensions
1 647
-
3 943
-
unemployment
299
-
717
-
total
3 368
-
8 065
-
Corporate
116 663
135 000
-
-
income
25 666
29 700
-
-
total
25 666
29 700
-
-
Dividends
90 997
105 300
-
-
withholding
18 199
21 060
-
-
total
18 199
21 060
-
-
Income
135 000
135 000
135 000
135 000
Total tax
52 374
50 760
53 721
53 021
After tax
82 626
84 240
81 279
81 979
Living cost
9 828
9 828
9 828
9 828
Free-cash
72 798
74 412
71 451
72 151

Estimated living cost  is ₽9828 per week

₽5840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽797
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽225
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.
₽2966
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
₽64560
₽41229
₽46116
₽67084
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
-
-
-
135 000
pensions
-
-
-
21 190
unemployment
-
-
-
181
income
-
-
-
36 601
other
-
-
-
-
health
-
-
-
7 522
surtax
-
-
-
5 559
total
-
-
-
71 053
Employee
26 734
-
112 698
-
health
682
-
2 701
-
unemployment
1 860
-
7 374
-
pensions
1 784
-
7 067
-
income
4 482
-
31 853
-
other
-
-
-
-
surtax
95
-
4 644
-
total
8 903
-
53 639
-
Employer
26 734
-
112 698
-
health
1 216
-
4 821
-
pensions
3 564
-
14 123
-
unemployment
848
-
3 358
-
other
-
-
-
-
total
5 628
-
22 302
-
Corporate
102 638
135 000
-
-
income
26 685
35 100
-
-
total
26 685
35 100
-
-
Dividends
75 953
99 900
-
-
withholding
11 393
14 985
-
-
total
11 393
14 985
-
-
Income
135 000
135 000
135 000
135 000
Total tax
52 609
50 085
75 941
71 053
After tax
82 391
84 915
59 059
63 947
Living cost
17 830
17 830
17 830
17 830
Free-cash
64 560
67 084
41 229
46 116

Estimated living cost  is ₽17830 per week

₽10765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽5102
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
₽49108
₽10566
₽44107
₽49499
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
-
-
-
135 000
pensions
-
-
-
17 157
chamber of commerce
-
-
-