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
₽ 136000
per

Your estimated
City
free-cash

Valencia , Spain
₽65667
₽51505
₽54794
₽69128
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
-
-
-
136 000
unemployment
-
-
-
509
income
-
-
-
37 863
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
59 655
Employee
28 978
-
112 842
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
35 172
-
other
28
-
73
-
total
7 426
-
39 786
-
Employer
28 978
-
112 842
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
97 783
136 000
-
-
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.

14 667
20 400
-
-
total
14 667
20 400
-
-
Dividends
83 116
115 600
-
-
withholding
17 451
24 921
-
-
total
17 451
24 921
-
-
Income
136 000
136 000
136 000
136 000
Total tax
48 782
45 321
62 944
59 655
After tax
87 218
90 679
73 056
76 345
Living cost
21 551
21 551
21 551
21 551
Free-cash
65 667
69 128
51 505
54 794

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4555
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
₽73744
₽56247
₽54805
₽79037
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
-
-
-
136 000
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.

-
-
-
28 602
income
-
-
-
20 806
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
60 312
Employee
28 456
-
108 626
-
health
399
-
1 521
-
unemployment
284
-
1 086
-
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.

1 991
-
7 604
-
income
4 899
-
21 287
-
total
7 573
-
31 498
-
Employer
28 456
-
108 626
-
health
399
-
1 521
-
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.

4 838
-
18 465
-
accident
228
-
869
-
unemployment
284
-
1 086
-
other
1 423
-
5 431
-
total
7 172
-
27 372
-
Corporate
100 373
136 000
-
-
income
21 078
28 559
-
-
total
21 078
28 559
-
-
Dividends
79 295
107 441
-
-
withholding
5 550
7 521
-
-
total
5 550
7 521
-
-
Income
136 000
136 000
136 000
136 000
Total tax
41 373
36 080
58 870
60 312
After tax
94 627
99 920
77 130
75 688
Living cost
20 883
20 883
20 883
20 883
Free-cash
73 744
79 037
56 247
54 805

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽102370
₽103336
₽98024
₽106010
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
-
-
-
136 000
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
20 400
health
-
-
-
3 147
total
-
-
-
27 706
Employee
13 600
-
130 632
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
13 063
-
total
3 330
-
17 026
-
Employer
13 600
-
130 632
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
119 732
136 000
-
-
income
11 973
13 600
-
-
total
11 973
13 600
-
-
Dividends
107 759
122 400
-
-
withholding
5 388
6 120
-
-
total
5 388
6 120
-
-
Income
136 000
136 000
136 000
136 000
Total tax
23 360
19 720
22 394
27 706
After tax
112 640
116 280
113 606
108 294
Living cost
10 270
10 270
10 270
10 270
Free-cash
102 370
106 010
103 336
98 024

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽46360
₽48139
₽49862
₽41732
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
-
-
-
136 000
income
-
-
-
21 103
other
-
-
-
4 216
health
-
-
-
5 686
social contributions
-
-
-
3 874
pensions
-
-
-
24 446
surtax
-
-
-
-
total
-
-
-
59 325
Employee
33 541
-
105 497
-
pensions
3 792
-
7 235
-
income
1 980
-
20 302
-
social contributions
956
-
3 006
-
surtax
-
-
-
-
total
6 728
-
30 543
-
Employer
33 541
-
105 497
-
health
2 348
-
9 643
-
social contributions
101
-
317
-
pensions
5 510
-
12 199
-
unemployment
1 358
-
4 273
-
other
1 157
-
4 073
-
total
10 474
-
30 505
-
Corporate
91 984
136 000
-
-
income
25 756
38 080
-
-
surtax
-
-
-
-
total
25 756
38 080
-
-
Dividends
66 228
97 920
-
-
social contributions
11 392
16 841
-
-
surtax
-
-
-
-
withholding
8 477
12 534
-
-
total
19 869
29 375
-
-
Income
136 000
136 000
136 000
136 000
Total tax
62 827
67 455
61 048
59 325
After tax
73 173
68 545
74 952
76 675
Living cost
26 813
26 813
26 813
26 813
Free-cash
46 360
41 732
48 139
49 862

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7271
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
₽29670
₽51916
₽42394
₽34472
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
-
-
-
136 000
pensions
-
-
-
9 182
income
-
-
-
41 929
health
-
-
-
9 664
total
-
-
-
60 775
Employee
66 925
66 925
121 436
-
health
10 272
8 737
9 664
-
pensions
12 047
9 182
9 182
-
income

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

10 955
10 955
17 842
-
total
33 274
28 874
36 688
-
Employer
66 925
66 925
121 436
-
health
4 652
4 652
5 781
-
pensions
4 658
4 658
5 790
-
unemployment
2 409
2 409
2 994
-
total
11 719
11 719
14 565
-
Corporate
58 176
57 355
-
-
income
11 635
11 471
-
-
total
11 635
11 471
-
-
Dividends
46 542
45 884
-
-
income
9 890
9 750
-
-
withholding
6 981
6 883
-
-
total
16 871
16 633
-
-
Income
136 000
136 000
136 000
136 000
Total tax
73 499
68 697
51 253
60 775
After tax
62 501
67 303
84 747
75 225
Living cost
32 831
32 831
32 831
32 831
Free-cash
29 670
34 472
51 916
42 394

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
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.
₽6083
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
₽53529
₽62797
₽47116
₽44860
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.

-
-
-
136 000
trade
-
-
-
15 681
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.

-
-
-
41 812
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.

-
-
-
5 354
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.

-
-
-
2 299
total
-
-
-
65 146
Employee

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

29 975
-
136 000
-
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.

5 354
-
5 354
-
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.

837
-
41 812
-
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
-
2 299
-
total
6 237
-
49 465
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
106 025
136 000
-
-
income
15 904
20 400
-
-
trade
16 699
21 421
-
-
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.

874
1 121
-
-
chamber of commerce
271
314
-
-
total
33 748
43 256
-
-
Dividends
72 277
92 744
-
-
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.

977
1 258
-
-
withholding
17 771
22 888
-
-
total
18 748
24 146
-
-
Income
136 000
136 000
136 000
136 000
Total tax
58 733
67 402
49 465
65 146
After tax
77 267
68 598
86 535
70 854
Living cost
23 738
23 738
23 738
23 738
Free-cash
53 529
44 860
62 797
47 116

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽76811
₽73712
₽74913
₽81074
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
-
-
-
136 000
income
-
-
-
26 794
health
-
-
-
3 468
social contributions
-
-
-
12 680
total
-
-
-
42 942
Employee
60 263
60 263
126 906
-
health
467
1 025
2 158
-
income
6 562
5 579
26 145
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
35 049
-
Employer
60 263
60 263
126 906
-
health
507
1 115
2 348
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
9 094
-
Corporate
105 762
69 620
-
-
income
13 220
8 702
-
-
total
13 220
8 702
-
-
Dividends
92 542
60 918
-
-
withholding
15 732
10 356
-
-
total
15 732
10 356
-
-
Income
136 000
136 000
136 000
136 000
Total tax
41 044
36 781
44 143
42 942
After tax
94 956
99 219
91 857
93 058
Living cost
18 145
18 145
18 145
18 145
Free-cash
76 811
81 074
73 712
74 913

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽51986
₽38073
₽48377
₽52775
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.

-
-
-
136 000
income
-
-
-
15 781
social contributions

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

-
-
-
47 260
surtax
-
-
-
-
total
-
-
-
63 041
Employee
36 044
-
109 899
-
income
7 497
-
35 156
-
social contributions
3 965
-
12 088
-
surtax
-
-
-
-
total
11 462
-
47 244
-
Employer
36 044
-
109 899
-
social contributions
8 560
-
26 101
-
total
8 560
-
26 101
-
Corporate
91 395
136 000
-
-
income
19 193
28 559
-
-
surtax
-
-
-
-
total
19 193
28 559
-
-
Dividends
72 202
107 441
-
-
withholding
20 217
30 084
-
-
total
20 217
30 084
-
-
Income
136 000
136 000
136 000
136 000
Total tax
59 432
58 643
73 345
63 041
After tax
76 568
77 357
62 655
72 959
Living cost
24 582
24 582
24 582
24 582
Free-cash
51 986
52 775
38 073
48 377

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
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.
₽4329
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
₽121988
₽102726
₽128566
₽123126
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%.

-
-
-
136 000
microenterprise

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

-
-
-
1 360
total
-
-
-
1 360
Employee
7 592
-
136 000
-
income
1 518
-
27 200
-
total
1 518
-
27 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

128 408
136 000
-
-
total
-
-
-
-
Dividends
128 408
136 000
-
-
withholding
6 420
6 800
-
-
total
6 420
6 800
-
-
Income
136 000
136 000
136 000
136 000
Total tax
7 938
6 800
27 200
1 360
After tax
128 062
129 200
108 800
134 640
Living cost
6 074
6 074
6 074
6 074
Free-cash
121 988
123 126
102 726
128 566

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1638
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
₽66060
₽41905
₽45506
₽72613
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.

-
-
-
136 000
pensions
-
-
-
24 837
unemployment
-
-
-
204
income
-
-
-
31 050
health
-
-
-
13 382
total
-
-
-
69 473
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.

34 656
-
117 677
-
health
2 238
-
7 601
-
unemployment
49
-
165
-
pensions
5 372
-
18 239
-
income
5 976
-
28 746
-
total
13 635
-
54 751
-
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.

34 656
-
117 677
-
health
2 308
-
7 838
-
pensions
3 067
-
10 415
-
unemployment
21
-
70
-
total
5 396
-
18 323
-
Corporate
95 949
136 000
-
-
income
18 230
25 841
-
-
total
18 230
25 841
-
-
Dividends
77 718
110 159
-
-
withholding
11 658
16 525
-
-
total
11 658
16 525
-
-
Income
136 000
136 000
136 000
136 000
Total tax
48 919
42 366
73 074
69 473
After tax
87 081
93 634
62 926
66 527
Living cost
21 021
21 021
21 021
21 021
Free-cash
66 060
72 613
41 905
45 506

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4841
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
₽58550
₽68375
₽80288
₽55811
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.

-
-
-
136 000
income
-
-
-
22 308
health

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

-
-
-
4 955
total
-
-
-
27 263
Employee
35 952
-
132 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
31 966
-
total
7 503
-
35 571
-
Employer
35 952
-
132 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
96 446
136 000
-
-
income
33 756
47 600
-
-
total
33 756
47 600
-
-
Dividends
62 691
88 400
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
136 000
136 000
136 000
136 000
Total tax
49 001
51 740
39 176
27 263
After tax
86 999
84 260
96 824
108 737
Living cost
28 449
28 449
28 449
28 449
Free-cash
58 550
55 811
68 375
80 288

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
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
₽66759
₽67978
₽70722
₽66353
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
-
-
-
136 000
income
-
-
-
20 400
health
-
-
-
9 493
social contributions
-
-
-
18 767
total
-
-
-
48 660
Employee
26 572
-
136 000
-
health
1 855
-
9 493
-
income
4 432
-
23 144
-
social contributions
3 668
-
18 767
-
total
9 955
-
51 404
-
Employer
26 572
-
136 000
-
total
-
-
-
-
Corporate
109 428
136 000
-
-
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%.

5 472
6 800
-
-
total
5 472
6 800
-
-
Dividends
103 956
129 200
-
-
social contributions
14 346
17 830
-
-
withholding
15 594
19 380
-
-
health
7 256
9 019
-
-
total
37 196
46 229
-
-
Income
136 000
136 000
136 000
136 000
Total tax
52 623
53 029
51 404
48 660
After tax
83 377
82 971
84 596
87 340
Living cost
16 618
16 618
16 618
16 618
Free-cash
66 759
66 353
67 978
70 722

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4088
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
₽63874
₽50160
₽55982
₽71699
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
-
-
-
136 000
income
-
-
-
13 803
health
-
-
-
18 360
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
301
total
-
-
-
58 081
Employee
32 261
-
104 649
-
health
4 355
-
14 128
-
solidarity contribution
-
-
-
-
income
3 871
-
12 723
-
social contributions
2 097
-
5 702
-
total
10 323
-
32 553
-
Employer
32 261
-
104 649
-
health
2 903
-
9 418
-
social contributions
8 065
-
21 932
-
total
10 968
-
31 350
-
Corporate
92 771
136 000
-
-
income
17 626
25 840
-
-
total
17 626
25 840
-
-
Dividends
75 144
110 160
-
-
withholding
11 272
16 524
-
-
total
11 272
16 524
-
-
Income
136 000
136 000
136 000
136 000
Total tax
50 189
42 364
63 903
58 081
After tax
85 811
93 636
72 097
77 919
Living cost
21 937
21 937
21 937
21 937
Free-cash
63 874
71 699
50 160
55 982

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
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.
₽4029
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
₽117961
₽99335
₽125175
₽119735
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%.

-
-
-
136 000
microenterprise

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

-
-
-
1 360
total
-
-
-
1 360
Employee
11 832
-
136 000
-
income
2 366
-
27 200
-
total
2 366
-
27 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

124 168
136 000
-
-
total
-
-
-
-
Dividends
124 168
136 000
-
-
withholding
6 208
6 800
-
-
total
6 208
6 800
-
-
Income
136 000
136 000
136 000
136 000
Total tax
8 574
6 800
27 200
1 360
After tax
127 426
129 200
108 800
134 640
Living cost
9 465
9 465
9 465
9 465
Free-cash
117 961
119 735
99 335
125 175

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽36082
₽37100
₽38823
₽30693
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
-
-
-
136 000
income
-
-
-
21 103
other
-
-
-
4 216
health
-
-
-
5 686
social contributions
-
-
-
3 874
pensions
-
-
-
24 446
surtax
-
-
-
-
total
-
-
-
59 325
Employee
49 085
-
105 497
-
pensions
5 552
-
7 235
-
income
4 283
-
20 302
-
social contributions
1 398
-
3 006
-
surtax
-
-
-
-
total
11 233
-
30 543
-
Employer
49 085
-
105 497
-
health
3 435
-
9 643
-
social contributions
147
-
317
-
pensions
8 065
-
12 199
-
unemployment
1 988
-
4 273
-
other
1 694
-
4 073
-
total
15 329
-
30 505
-
Corporate
71 585
136 000
-
-
income
20 043
38 080
-
-
surtax
-
-
-
-
total
20 043
38 080
-
-
Dividends
51 541
97 920
-
-
social contributions
8 864
16 841
-
-
surtax
-
-
-
-
withholding
6 597
12 534
-
-
total
15 461
29 375
-
-
Income
136 000
136 000
136 000
136 000
Total tax
62 066
67 455
61 048
59 325
After tax
73 934
68 545
74 952
76 675
Living cost
37 852
37 852
37 852
37 852
Free-cash
36 082
30 693
37 100
38 823

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
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.
₽8618
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
₽80903
₽69925
₽69925
₽84748
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.

-
-
-
136 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
30 736
health
-
-
-
5 948
total
-
-
-
52 563
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.

20 376
-
125 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
30 736
-
total
6 864
-
42 227
-
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.

20 376
-
125 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
111 977
136 000
-
-
income
16 797
20 400
-
-
total
16 797
20 400
-
-
Dividends
95 181
115 600
-
-
withholding
14 277
17 340
-
-
total
14 277
17 340
-
-
Income
136 000
136 000
136 000
136 000
Total tax
41 585
37 740
52 563
52 563
After tax
94 415
98 260
83 437
83 437
Living cost
13 512
13 512
13 512
13 512
Free-cash
80 903
84 748
69 925
69 925

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
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.
₽2978
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
₽31703
₽49954
₽55749
₽8900
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
-
-
-
136 000
pensions
-
-
-
12 512
city
-
-
-
1 433
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.

-
-
-
2 720
health
-
-
-
307
regional
-
-
-
7 140
national
-
-
-
2 850
total
-
-
-
26 962
Employee
62 361
-
121 919
-
health
141
-
274
-
unemployment
-
-
-
-
city
669
-
1 313
-
pensions
5 239
-
10 027
-
regional
2 042
-
6 225
-
national
295
-
2 178
-
total
8 386
-
20 017
-
Employer
62 361
-
121 919
-
health
141
-
274
-
pensions
5 239
-
10 027
-
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.

1 247
-
2 439
-
total
6 627
-
12 740
-
Corporate
66 326
136 000
-
-
regional
14 027
28 764
-
-
national
5 637
11 560
-
-
total
19 664
40 324
-
-
Dividends
46 661
95 677
-
-
withholding
16 331
33 487
-
-
total
16 331
33 487
-
-
Income
136 000
136 000
136 000
136 000
Total tax
51 008
73 811
32 757
26 962
After tax
84 992
62 189
103 243
109 038
Living cost
53 289
53 289
53 289
53 289
Free-cash
31 703
8 900
49 954
55 749

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽57176
₽41386
₽57928
₽55258
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

-
-
-
136 000
municipal
-
-
-
24 162
health
-
-
-
1 767
national
-
-
-
22 054
total
-
-
-
47 983
Employee
41 232
-
114 411
-
health
308
-
1 435
-
unemployment
619
-
1 716
-
pensions
2 783
-
7 723
-
national
681
-
13 426
-
municipal
6 754
-
18 636
-
total
11 145
-
42 936
-
Employer
41 232
-
114 411
-
health
317
-
880
-
pensions
7 154
-
19 850
-
accident
42
-
115
-
unemployment
268
-
744
-
total
7 781
-
21 589
-
Corporate
86 988
136 000
-
-
income
17 398
27 200
-
-
total
17 398
27 200
-
-
Dividends

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

52 193
81 600
-
-
municipal
9 395
14 688
-
-
national
3 016
8 765
-
-
total
12 411
23 453
-
-
Income
136 000
136 000
136 000
136 000
Total tax
48 735
50 653
64 525
47 983
After tax
87 265
85 347
71 475
88 017
Living cost
30 089
30 089
30 089
30 089
Free-cash
57 176
55 258
41 386
57 928

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7063
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
₽35736
₽19424
₽30373
₽47490
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
-
-
-
136 000
communal

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

-
-
-
6 987
social contributions
-
-
-
19 539
national
-
-
-
50 526
total
-
-
-
77 052
Employee

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

56 059
-
105 338
-
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.

2 634
-
4 951
-
communal

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

2 924
-
5 494
-
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.

488
-
916
-
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.

4 204
-
7 900
-
national
17 235
-
38 080
-
total
27 485
-
57 341
-
Employer

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

56 059
-
105 338
-
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.

3 447
-
6 477
-
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.

4 967
-
9 332
-
surtax
6 356
-
11 945
-
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.

729
-
1 368
-
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.

818
-
1 538
-
total
16 317
-
30 660
-
Corporate
63 623
136 000
-
-
income
12 725
27 200
-
-
surtax
254
544
-
-
total
12 979
27 744
-
-
Dividends
50 644
108 256
-
-
withholding

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

14 908
32 191
-
-
total
14 908
32 191
-
-
Income
136 000
136 000
136 000
136 000
Total tax
71 689
59 935
88 001
77 052
After tax
64 311
76 065
47 999
58 948
Living cost
28 575
28 575
28 575
28 575
Free-cash
35 736
47 490
19 424
30 373

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽7223
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
₽39480
₽35870
₽36696
₽40244
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
-
-
-
136 000
unemployment
-
-
-
75
municipal
-
-
-
34 116
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
9 581
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
65 292
Employee
48 465
-
112 578
-
national
-
-
9 125
-
municipal
14 452
-
33 571
-
total
14 452
-
42 696
-
Employer
48 465
-
112 578
-
health
2 981
-
4 584
-
pensions
5 239
-
8 058
-
accident
97
-
149
-
unemployment
1 279
-
1 968
-
other
5 632
-
8 662
-
total
15 228
-
23 421
-
Corporate
72 308
136 000
-
-
income
15 908
29 920
-
-
total
15 908
29 920
-
-
Dividends
56 400
106 080
-
-
withholding
16 920
31 824
-
-
total
16 920
31 824
-
-
Income
136 000
136 000
136 000
136 000
Total tax
62 508
61 744
66 117
65 292
After tax
73 492
74 256
69 883
70 708
Living cost
34 012
34 012
34 012
34 012
Free-cash
39 480
40 244
35 870
36 696

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
₽3110
₽86574
₽56110
₽44865
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
-
-
-
136 000
income
-
-
-
26 509
social contributions
-
-
-
15 504
total
-
-
-
42 013
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
5 112
136 000
-
-
income
1 125
29 920
-
-
total
1 125
29 920
-
-
Dividends
3 987
106 080
-
-
income
877
23 338
-
-
total
877
23 338
-
-
Income
136 000
136 000
136 000
136 000
Total tax
95 013
53 258
11 549
42 013
After tax
40 987
82 742
124 451
93 987
Living cost
37 877
37 877
37 877
37 877
Free-cash
3 110
44 865
86 574
56 110

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9256
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
₽70552
₽66438
₽67639
₽73800
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
-
-
-
136 000
income
-
-
-
26 794
health
-
-
-
3 468
social contributions
-
-
-
12 680
total
-
-
-
42 942
Employee
60 263
60 263
126 906
-
health
599
1 025
2 158
-
income
6 328
5 579
26 145
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
35 049
-
Employer
60 263
60 263
126 906
-
health
653
1 115
2 348
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
9 094
-
Corporate
97 143
69 620
-
-
income
12 143
8 702
-
-
total
12 143
8 702
-
-
Dividends
85 000
60 918
-
-
withholding
14 450
10 356
-
-
total
14 450
10 356
-
-
Income
136 000
136 000
136 000
136 000
Total tax
40 029
36 781
44 143
42 942
After tax
95 971
99 219
91 857
93 058
Living cost
25 419
25 419
25 419
25 419
Free-cash
70 552
73 800
66 438
67 639

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
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.
₽5631
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
₽65095
₽49560
₽61856
₽60610
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
-
-
-
136 000
income
-
-
-
39 141
pensions
-
-
-
6 867
total
-
-
-
46 008
Employee
38 621
-
118 779
-
health
504
-
1 712
-
pensions
2 948
-
8 426
-
income
7 033
-
30 945
-
total
10 485
-
41 083
-
Employer
38 621
-
118 779
-
health
734
-
2 257
-
pensions
3 902
-
14 964
-
total
4 636
-
17 221
-
Corporate
92 743
136 000
-
-
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.

17 621
25 840
-
-
total
17 621
25 840
-
-
Dividends
75 122
110 160
-
-
withholding
10 027
21 414
-
-
total
10 027
21 414
-
-
Income
136 000
136 000
136 000
136 000
Total tax
42 769
47 254
58 304
46 008
After tax
93 231
88 746
77 696
89 992
Living cost
28 136
28 136
28 136
28 136
Free-cash
65 095
60 610
49 560
61 856

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
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.
₽5894
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
₽36849
₽26317
₽32287
₽40415
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
-
-
-
136 000
municipal
-
-
-
909
regional
-
-
-
3 112
social contributions
-
-
-
34 980
national
-
-
-
33 491
total
-
-
-
72 492
Employee
66 040
-
136 000
-
social contributions
22 268
-
45 859
-
regional
997
-
2 761
-
national
11 160
-
29 031
-
municipal
394
-
811
-
total
34 819
-
78 462
-
Employer
66 040
-
136 000
-
total
-
-
-
-
Corporate
69 960
136 000
-
-
nationa
16 791
32 640
-
-
municipal
3 372
6 556
-
-
total
20 163
39 196
-
-
Dividends
49 798
96 804
-
-
withholding
12 948
25 168
-
-
total
12 948
25 168
-
-
Income
136 000
136 000
136 000
136 000
Total tax
67 930
64 364
78 462
72 492
After tax
68 070
71 636
57 538
63 508
Living cost
31 221
31 221
31 221
31 221
Free-cash
36 849
40 415
26 317
32 287

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽6670
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
₽8447
₽57206
₽76227
-₽5721
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
-
-
-
136 000
pensions
-
-
-
3 165
income
-
-
-
37 738
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
43 036
Employee
26 328
-
122 569
-
health
3 015
-
14 034
-
pensions
2 965
-
5 804
-
income
3 612
-
28 788
-
total
9 592
-
48 626
-
Employer
26 328
-
122 569
-
pensions
4 281
-
8 381
-
accident
440
-
2 047
-
unemployment
645
-
3 003
-
total
5 366
-
13 431
-
Corporate
104 307
136 000
-
-
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.

93 876
122 400
-
-
total
93 876
122 400
-
-
Dividends
10 431
13 600
-
-
withholding
1 982
2 584
-
-
total
1 982
2 584
-
-
Income
136 000
136 000
136 000
136 000
Total tax
110 816
124 984
62 057
43 036
After tax
25 184
11 016
73 943
92 964
Living cost
16 737
16 737
16 737
16 737
Free-cash
8 447
-5 721
57 206
76 227

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽49990
₽56278
₽41990
₽39741
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.

-
-
-
136 000
trade
-
-
-
14 288
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.

-
-
-
41 812
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.

-
-
-
5 354
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.

-
-
-
2 299
total
-
-
-
63 753
Employee

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

38 994
-
136 000
-
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.

5 354
-
5 354
-
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.

3 206
-
41 812
-
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.

177
-
2 299
-
total
8 737
-
49 465
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
97 006
136 000
-
-
income
14 551
20 400
-
-
trade
13 920
19 515
-
-
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.

800
1 121
-
-
chamber of commerce
262
318
-
-
total
29 533
41 354
-
-
Dividends
67 472
94 645
-
-
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.

912
1 285
-
-
withholding
16 571
23 363
-
-
total
17 483
24 648
-
-
Income
136 000
136 000
136 000
136 000
Total tax
55 753
66 002
49 465
63 753
After tax
80 247
69 998
86 535
72 247
Living cost
30 257
30 257
30 257
30 257
Free-cash
49 990
39 741
56 278
41 990

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
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.
₽5690
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
₽86068
₽40586
₽30450
₽92496
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.

-
-
-
136 000
income
-
-
-
24 538
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.

-
-
-
30 027
surtax
-
-
-
34 681
total
-
-
-
89 246
Employee
22 900
-
102 252
-
income
4 076
-
20 262
-
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.

2 519
-
10 274
-
surtax
-
-
14 826
-
total
6 595
-
45 362
-
Employer
22 900
-
102 252
-
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.

5 516
-
22 500
-
surtax
-
-
11 248
-
total
5 516
-
33 748
-
Corporate
107 584
136 000
-
-
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%.

21 517
27 200
-
-
total
21 517
27 200
-
-
Dividends

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

86 066
108 800
-
-
total
-
-
-
-
Income
136 000
136 000
136 000
136 000
Total tax
33 628
27 200
79 110
89 246
After tax
102 372
108 800
56 890
46 754
Living cost
16 304
16 304
16 304
16 304
Free-cash
86 068
92 496
40 586
30 450

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽3980
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
₽73520
₽72242
₽72936
₽75121
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
-
-
-
136 000
income
-
-
-
41 062
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
53 321
Employee
14 840
-
128 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
40 689
-
total
5 097
-
46 019
-
Employer
14 840
-
128 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
117 821
136 000
-
-
income
25 921
29 920
-
-
total
25 921
29 920
-
-
Dividends
91 901
106 080
-
-
withholding
18 380
21 216
-
-
total
18 380
21 216
-
-
Income
136 000
136 000
136 000
136 000
Total tax
52 737
51 136
54 015
53 321
After tax
83 263
84 864
81 985
82 679
Living cost
9 743
9 743
9 743
9 743
Free-cash
73 520
75 121
72 242
72 936

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽65447
₽41989
₽46782
₽67942
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
-
-
-
136 000
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
37 359
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
5 733
total
-
-
-
71 615
Employee
26 392
-
113 983
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
32 671
-
other
-
-
-
-
surtax
94
-
4 796
-
total
8 791
-
54 391
-
Employer
26 392
-
113 983
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
104 051
136 000
-
-
income
27 053
35 360
-
-
total
27 053
35 360
-
-
Dividends
76 999
100 640
-
-
withholding
11 550
15 095
-
-
total
11 550
15 095
-
-
Income
136 000
136 000
136 000
136 000
Total tax
52 950
50 455
76 408
71 615
After tax
83 050
85 545
59 592
64 385
Living cost
17 603
17 603
17 603
17 603
Free-cash
65 447
67 942
41 989
46 782

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽5037
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
₽49960
₽11115
₽44948
₽50349
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
-
-
-
136 000
pensions
-
-
-
16 938
chamber of commerce
-
-
-