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
₽ 14000
per

Your estimated
City
free-cash

Valencia , Spain
-₽20297
-₽16019
-₽13401
-₽26769
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
-
-
-
14 000
income
-
-
-
1 636
accident
-
-
-
162
unemployment
-
-
-
125
pensions
-
-
-
5 088
other
-
-
-
17
total
-
-
-
7 028
Employee
30 915
-
5 099
-
other
30
-
29
-
income
5 960
-
631
-
unemployment
479
-
433
-
pensions
1 453
-
1 312
-
total
7 922
-
2 405
-
Employer
30 915
-
5 099
-
unemployment
1 701
-
1 536
-
pensions
7 295
-
6 589
-
other
248
-
224
-
accident
612
-
552
-
total
9 856
-
8 901
-
Corporate
-
14 000
-
-
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.

-
2 101
-
-
total
-
2 101
-
-
Dividends
-
11 899
-
-
withholding
-
2 309
-
-
total
-
2 309
-
-
Income
14 000
14 000
14 000
14 000
Total tax
17 778
4 410
11 306
7 028
After tax
-3 778
9 590
2 694
6 972
Living cost
22 991
22 991
22 991
22 991
Free-cash
-26 769
-13 401
-20 297
-16 019

Estimated living cost  is ₽22991 per week

₽15519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4860
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
-₽14071
-₽14697
-₽11992
-₽24006
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
-
-
-
14 000
income
-
-
-
1 779
health
-
-
-
616
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.

-
-
-
3 359
other
-
-
-
665
total
-
-
-
6 419
Employee
30 357
-
11 182
-
income
5 226
-
1 925
-
health
425
-
157
-
unemployment
303
-
111
-
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.

2 124
-
782
-
total
8 078
-
2 975
-
Employer
30 357
-
11 182
-
unemployment
303
-
111
-
pensions

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

5 161
-
1 901
-
other
1 518
-
560
-
accident
243
-
89
-
health
425
-
157
-
total
7 650
-
2 818
-
Corporate
-
14 000
-
-
income
-
2 940
-
-
total
-
2 940
-
-
Dividends
-
11 060
-
-
withholding
-
774
-
-
total
-
774
-
-
Income
14 000
14 000
14 000
14 000
Total tax
15 728
3 714
5 793
6 419
After tax
-1 728
10 286
8 207
7 581
Living cost
22 278
22 278
22 278
22 278
Free-cash
-24 006
-11 992
-14 071
-14 697

Estimated living cost  is ₽22278 per week

₽15741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽359
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.
₽4674
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
-₽2134
-₽2810
₽999
-₽3377
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
-
-
-
14 000
income
-
-
-
2 100
health
-
-
-
1 611
unemployment
-
-
-
56
pensions

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

-
-
-
2 072
total
-
-
-
5 839
Employee
14 527
-
11 703
-
income
1 452
-
1 171
-
health
668
-
538
-
accident

We are using the highest rate at 1.1%.

160
-
129
-
pensions

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

1 275
-
1 028
-
total
3 555
-
2 866
-
Employer
14 527
-
11 703
-
unemployment
87
-
70
-
pensions

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

1 601
-
1 290
-
accident

We are using the highest rate at 1.1%.

160
-
129
-
health
1 003
-
808
-
total
2 851
-
2 297
-
Corporate
-
14 000
-
-
income
-
1 400
-
-
total
-
1 400
-
-
Dividends
-
12 600
-
-
withholding
-
630
-
-
total
-
630
-
-
Income
14 000
14 000
14 000
14 000
Total tax
6 406
2 030
5 163
5 839
After tax
7 594
11 970
8 837
8 161
Living cost
10 971
10 971
10 971
10 971
Free-cash
-3 377
999
-2 134
-2 810

Estimated living cost  is ₽10971 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽291
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.
₽3492
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
-₽19449
-₽20620
-₽21549
-₽32957
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
-
-
-
14 000
income
-
-
-
-
social contributions
-
-
-
398
health
-
-
-
222
surtax
-
-
-
-
pensions
-
-
-
4 960
other
-
-
-
435
total
-
-
-
6 015
Employee
35 783
-
10 668
-
income
2 112
-
-
-
social contributions
1 020
-
305
-
surtax
-
-
-
-
pensions
4 046
-
1 207
-
total
7 178
-
1 512
-
Employer
35 783
-
10 668
-
unemployment
1 449
-
432
-
social contributions
108
-
32
-
pensions
5 878
-
1 753
-
other
1 234
-
368
-
health
2 505
-
747
-
total
11 174
-
3 332
-
Corporate
-
14 000
-
-
income
-
3 921
-
-
surtax
-
-
-
-
total
-
3 921
-
-
Dividends
-
10 079
-
-
withholding
-
1 290
-
-
surtax
-
-
-
-
social contributions
-
1 733
-
-
total
-
3 023
-
-
Income
14 000
14 000
14 000
14 000
Total tax
18 352
6 944
4 844
6 015
After tax
-4 352
7 056
9 156
7 985
Living cost
28 605
28 605
28 605
28 605
Free-cash
-32 957
-21 549
-19 449
-20 620

Estimated living cost  is ₽28605 per week

₽18037
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2326
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7757
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
-₽69024
-₽26954
-₽64330
-₽69024
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
-
-
-
14 000
income
-
-
-
1 260
health
-
-
-
2 150
pensions
-
-
-
2 520
total
-
-
-
5 930
Employee
71 397
71 397
71 397
-
income

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

11 687
11 687
11 687
-
health
10 959
9 321
10 959
-
pensions
12 852
9 796
12 852
-
total
35 498
30 804
35 498
-
Employer
71 397
71 397
71 397
-
unemployment
2 570
2 570
2 570
-
pensions
4 969
4 969
4 969
-
health
4 963
4 963
4 963
-
total
12 502
12 502
12 502
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
14 000
14 000
14 000
14 000
Total tax
48 000
43 306
48 000
5 930
After tax
-34 000
-29 306
-34 000
8 070
Living cost
35 024
35 024
35 024
35 024
Free-cash
-69 024
-64 330
-69 024
-26 954

Estimated living cost  is ₽35024 per week

₽24821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3157
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6489
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
-₽17036
-₽17036
-₽18047
-₽17978
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.

-
-
-
14 000
income

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

-
-
-
-
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.

-
-
-
5 712
trade
-
-
-
-
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.

-
-
-
-
total
-
-
-
5 712
Employee

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

31 978
-
14 000
-
income

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

893
-
-
-
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.

5 712
-
5 712
-
surtax

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

49
-
-
-
total
6 654
-
5 712
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
14 000
-
-
chamber of commerce
-
148
-
-
income
-
2 101
-
-
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.

-
116
-
-
trade
-
2 205
-
-
total
-
4 570
-
-
Dividends
-
9 431
-
-
withholding
-
2 040
-
-
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.

-
113
-
-
total
-
2 153
-
-
Income
14 000
14 000
14 000
14 000
Total tax
6 654
6 723
5 712
5 712
After tax
7 346
7 277
8 288
8 288
Living cost
25 324
25 324
25 324
25 324
Free-cash
-17 978
-18 047
-17 036
-17 036

Estimated living cost  is ₽25324 per week

₽15930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2953
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5969
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
-₽16953
-₽11126
-₽24263
-₽18258
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
-
-
-
31 784
income
-
-
-
-
social contributions
-
-
-
4 958
health
-
-
-
811
total
-
-
-
5 769
Employee
64 290
64 290
64 290
-
income
7 000
5 951
7 229
-
social contributions
2 431
5 336
1 799
-
health
498
1 093
368
-
total
9 929
12 380
9 396
-
Employer
64 290
64 290
64 290
-
social contributions
2 431
5 336
1 799
-
health
541
1 190
401
-
total
2 972
6 526
2 200
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 000
14 000
14 000
14 000
Total tax
12 901
18 906
11 596
5 769
After tax
1 099
-4 906
2 404
8 231
Living cost
19 357
19 357
19 357
19 357
Free-cash
-18 258
-24 263
-16 953
-11 126

Estimated living cost  is ₽19357 per week

₽11601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1899
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5429
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
-₽17615
-₽17907
-₽18262
-₽33586
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.

-
-
-
14 000
income
-
-
-
817
social contributions

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

-
-
-
4 865
surtax
-
-
-
-
total
-
-
-
5 682
Employee
38 453
-
11 312
-
income
7 998
-
1 460
-
social contributions
4 230
-
1 244
-
surtax
-
-
-
-
total
12 228
-
2 704
-
Employer
38 453
-
11 312
-
social contributions
9 133
-
2 686
-
total
9 133
-
2 686
-
Corporate
-
14 000
-
-
income
-
2 940
-
-
surtax
-
-
-
-
total
-
2 940
-
-
Dividends
-
11 060
-
-
withholding
-
3 097
-
-
total
-
3 097
-
-
Income
14 000
14 000
14 000
14 000
Total tax
21 361
6 037
5 390
5 682
After tax
-7 361
7 963
8 610
8 318
Living cost
26 225
26 225
26 225
26 225
Free-cash
-33 586
-18 262
-17 615
-17 907

Estimated living cost  is ₽26225 per week

₽19622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4619
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
₽4950
₽7610
₽7050
₽5879
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%.

-
-
-
14 000
microenterprise

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

-
-
-
140
total
-
-
-
140
Employee
7 813
-
14 000
-
income
1 562
-
2 800
-
total
1 562
-
2 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

6 187
14 000
-
-
total
-
-
-
-
Dividends
6 187
14 000
-
-
withholding
309
700
-
-
total
309
700
-
-
Income
14 000
14 000
14 000
14 000
Total tax
1 871
700
2 800
140
After tax
12 129
13 300
11 200
13 860
Living cost
6 250
6 250
6 250
6 250
Free-cash
5 879
7 050
4 950
7 610

Estimated living cost  is ₽6250 per week

₽3874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
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.
₽1685
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
-₽14501
-₽13986
-₽12787
-₽28728
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.

-
-
-
14 000
income
-
-
-
1 607
health
-
-
-
1 377
unemployment
-
-
-
21
pensions
-
-
-
2 556
total
-
-
-
5 561
Employee

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

36 971
-
12 112
-
income
6 376
-
1 509
-
health
2 388
-
784
-
unemployment
52
-
17
-
pensions
5 731
-
1 877
-
total
14 547
-
4 187
-
Employer

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

36 971
-
12 112
-
unemployment
22
-
8
-
pensions
3 272
-
1 073
-
health
2 462
-
808
-
total
5 756
-
1 889
-
Corporate
-
14 000
-
-
income
-
2 661
-
-
total
-
2 661
-
-
Dividends
-
11 339
-
-
withholding
-
1 701
-
-
total
-
1 701
-
-
Income
14 000
14 000
14 000
14 000
Total tax
20 303
4 362
6 076
5 561
After tax
-6 303
9 638
7 924
8 439
Living cost
22 425
22 425
22 425
22 425
Free-cash
-28 728
-12 787
-14 501
-13 986

Estimated living cost  is ₽22425 per week

₽15390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5164
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
-₽19256
-₽45635
-₽23745
-₽30694
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.

-
-
-
14 000
income
-
-
-
23 799
health

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

-
-
-
5 486
total
-
-
-
29 285
Employee
38 354
-
12 547
-
social contributions
3 843
-
1 453
-
income
4 162
-
-
-
total
8 005
-
1 453
-
Employer
38 354
-
12 547
-
social contributions
3 843
-
1 453
-
total
3 843
-
1 453
-
Corporate
-
14 000
-
-
income
-
4 899
-
-
total
-
4 899
-
-
Dividends
-
9 101
-
-
social contributions
2 496
2 496
-
-
total
2 496
2 496
-
-
Income
14 000
14 000
14 000
14 000
Total tax
14 344
7 395
2 906
29 285
After tax
-344
6 605
11 094
-15 285
Living cost
30 350
30 350
30 350
30 350
Free-cash
-30 694
-23 745
-19 256
-45 635

Estimated living cost  is ₽30350 per week

₽19991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7500
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
-₽9724
-₽8739
-₽9187
-₽16545
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
-
-
-
14 000
income
-
-
-
2 101
social contributions
-
-
-
1 932
health
-
-
-
977
total
-
-
-
5 010
Employee
28 348
-
14 000
-
income
4 728
-
3 086
-
social contributions
3 913
-
1 932
-
health
1 979
-
977
-
total
10 620
-
5 995
-
Employer
28 348
-
14 000
-
total
-
-
-
-
Corporate
-
14 000
-
-
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%.

-
700
-
-
total
-
700
-
-
Dividends
-
13 300
-
-
withholding
-
1 994
-
-
health
738
928
-
-
social contributions
1 458
1 836
-
-
total
2 196
4 758
-
-
Income
14 000
14 000
14 000
14 000
Total tax
12 816
5 458
5 995
5 010
After tax
1 184
8 542
8 005
8 990
Living cost
17 729
17 729
17 729
17 729
Free-cash
-16 545
-9 187
-9 724
-8 739

Estimated living cost  is ₽17729 per week

₽11865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4362
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
-₽15773
-₽16059
-₽13239
-₽31083
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
-
-
-
14 000
income
-
-
-
1 203
social contributions
-
-
-
4 088
solidarity contribution
-
-
-
-
health
-
-
-
1 890
total
-
-
-
7 181
Employee
33 645
-
10 448
-
solidarity contribution
-
-
-
-
income
4 037
-
1 254
-
social contributions
2 187
-
679
-
health
4 542
-
1 410
-
total
10 766
-
3 343
-
Employer
33 645
-
10 448
-
social contributions
8 411
-
2 612
-
health
3 028
-
940
-
total
11 439
-
3 552
-
Corporate
-
14 000
-
-
income
-
2 660
-
-
total
-
2 660
-
-
Dividends
-
11 340
-
-
withholding
-
1 701
-
-
total
-
1 701
-
-
Income
14 000
14 000
14 000
14 000
Total tax
22 205
4 361
6 895
7 181
After tax
-8 205
9 639
7 105
6 819
Living cost
22 878
22 878
22 878
22 878
Free-cash
-31 083
-13 239
-15 773
-16 059

Estimated living cost  is ₽22878 per week

₽17014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
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.
₽4201
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
₽1460
₽4120
₽3560
₽1734
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%.

-
-
-
14 000
microenterprise

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

-
-
-
140
total
-
-
-
140
Employee
12 175
-
14 000
-
income
2 435
-
2 800
-
total
2 435
-
2 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

1 825
14 000
-
-
total
-
-
-
-
Dividends
1 825
14 000
-
-
withholding
91
700
-
-
total
91
700
-
-
Income
14 000
14 000
14 000
14 000
Total tax
2 526
700
2 800
140
After tax
11 474
13 300
11 200
13 860
Living cost
9 740
9 740
9 740
9 740
Free-cash
1 734
3 560
1 460
4 120

Estimated living cost  is ₽9740 per week

₽6591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
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.
₽2413
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
-₽31225
-₽32396
-₽33325
-₽54718
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
-
-
-
14 000
income
-
-
-
-
social contributions
-
-
-
398
health
-
-
-
222
surtax
-
-
-
-
pensions
-
-
-
4 960
other
-
-
-
435
total
-
-
-
6 015
Employee
52 365
-
10 668
-
income
4 569
-
-
-
social contributions
1 491
-
305
-
surtax
-
-
-
-
pensions
5 923
-
1 207
-
total
11 983
-
1 512
-
Employer
52 365
-
10 668
-
unemployment
2 121
-
432
-
social contributions
157
-
32
-
pensions
8 604
-
1 753
-
other
1 807
-
368
-
health
3 665
-
747
-
total
16 354
-
3 332
-
Corporate
-
14 000
-
-
income
-
3 921
-
-
surtax
-
-
-
-
total
-
3 921
-
-
Dividends
-
10 079
-
-
withholding
-
1 290
-
-
surtax
-
-
-
-
social contributions
-
1 733
-
-
total
-
3 023
-
-
Income
14 000
14 000
14 000
14 000
Total tax
28 337
6 944
4 844
6 015
After tax
-14 337
7 056
9 156
7 985
Living cost
40 381
40 381
40 381
40 381
Free-cash
-54 718
-33 325
-31 225
-32 396

Estimated living cost  is ₽40381 per week

₽27329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽9194
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
-₽5922
-₽6524
-₽4296
-₽11620
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.

-
-
-
14 000
income
-
-
-
821
health
-
-
-
1 442
unemployment
-
-
-
210
pensions
-
-
-
3 640
total
-
-
-
6 113
Employee

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

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

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

21 730
-
11 874
-
income
2 995
-
1 022
-
health
1 119
-
612
-
unemployment
163
-
89
-
pensions
3 042
-
1 662
-
total
7 319
-
3 385
-
Employer

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

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

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

21 730
-
11 874
-
unemployment
163
-
89
-
pensions
2 608
-
1 425
-
health
1 119
-
612
-
total
3 890
-
2 126
-
Corporate
-
14 000
-
-
income
-
2 100
-
-
total
-
2 100
-
-
Dividends
-
11 900
-
-
withholding
-
1 785
-
-
total
-
1 785
-
-
Income
14 000
14 000
14 000
14 000
Total tax
11 209
3 885
5 511
6 113
After tax
2 791
10 115
8 489
7 887
Living cost
14 411
14 411
14 411
14 411
Free-cash
-11 620
-4 296
-5 922
-6 524

Estimated living cost  is ₽14411 per week

₽9703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1115
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3176
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
-₽48536
-₽46334
-₽51987
-₽60837
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
-
-
-
14 000
regional
-
-
-
43
national
-
-
-
-
health
-
-
-
190
city
-
-
-
145
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.

-
-
-
280
pensions
-
-
-
1 288
total
-
-
-
1 946
Employee
68 329
-
11 737
-
regional
2 237
-
-
-
city
733
-
115
-
health
154
-
27
-
unemployment
-
-
-
-
national
323
-
-
-
pensions
5 741
-
1 872
-
total
9 188
-
2 014
-
Employer
68 329
-
11 737
-
unemployment
-
-
-
-
pensions
5 741
-
1 872
-
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.

1 366
-
235
-
health
154
-
27
-
total
7 261
-
2 134
-
Corporate
-
14 000
-
-
regional
-
2 962
-
-
national
-
1 191
-
-
total
-
4 153
-
-
Dividends
-
9 848
-
-
withholding
-
3 446
-
-
total
-
3 446
-
-
Income
14 000
14 000
14 000
14 000
Total tax
16 449
7 599
4 148
1 946
After tax
-2 449
6 401
9 852
12 054
Living cost
58 388
58 388
58 388
58 388
Free-cash
-60 837
-51 987
-48 536
-46 334

Estimated living cost  is ₽58388 per week

₽37969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽717
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.
₽14462
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
-₽23236
-₽20619
-₽22411
-₽38288
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

-
-
-
14 000
municipal
-
-
-
2 520
national
-
-
-
-
health
-
-
-
-
total
-
-
-
2 520
Employee
43 988
-
11 779
-
health
328
-
-
-
unemployment
660
-
176
-
national
727
-
-
-
municipal
7 205
-
1 945
-
pensions
2 969
-
795
-
total
11 889
-
2 916
-
Employer
43 988
-
11 779
-
unemployment
286
-
76
-
pensions
7 632
-
2 044
-
accident
44
-
11
-
health
338
-
90
-
total
8 300
-
2 221
-
Corporate
-
14 000
-
-
income
-
2 800
-
-
total
-
2 800
-
-
Dividends

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

-
8 400
-
-
national
-
-
-
-
municipal
-
1 512
-
-
total
-
1 512
-
-
Income
14 000
14 000
14 000
14 000
Total tax
20 189
4 312
5 137
2 520
After tax
-6 189
9 688
8 863
11 480
Living cost
32 099
32 099
32 099
32 099
Free-cash
-38 288
-22 411
-23 236
-20 619

Estimated living cost  is ₽32099 per week

₽20967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3088
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7535
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
-₽23977
-₽23865
-₽22378
-₽63212
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
-
-
-
14 000
national
-
-
-
2 397
social contributions
-
-
-
4 408
communal

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

-
-
-
576
total
-
-
-
7 381
Employee

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

59 805
-
10 839
-
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.

2 810
-
511
-
communal

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

3 119
-
565
-
unemployment

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

520
-
94
-
national
18 386
-
2 356
-
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.

4 485
-
812
-
total
29 320
-
4 338
-
Employer

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

59 805
-
10 839
-
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.

873
-
159
-
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.

5 299
-
960
-
surtax
6 781
-
1 228
-
accident

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

777
-
140
-
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.

3 678
-
668
-
total
17 408
-
3 155
-
Corporate
-
14 000
-
-
income
-
2 800
-
-
surtax
-
56
-
-
total
-
2 856
-
-
Dividends
-
11 144
-
-
withholding

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

-
3 038
-
-
total
-
3 038
-
-
Income
14 000
14 000
14 000
14 000
Total tax
46 728
5 894
7 493
7 381
After tax
-32 728
8 106
6 507
6 619
Living cost
30 484
30 484
30 484
30 484
Free-cash
-63 212
-22 378
-23 977
-23 865

Estimated living cost  is ₽30484 per week

₽19636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2666
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.
₽7706
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
-₽27110
-₽27607
-₽26942
-₽50767
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
-
-
-
14 000
municipal
-
-
-
2 965
national
-
-
-
-
health
-
-
-
874
accident
-
-
-
28
unemployment
-
-
-
14
pensions
-
-
-
1 513
other
-
-
-
1 627
total
-
-
-
7 021
Employee
49 282
-
10 653
-
national
-
-
-
-
municipal
14 696
-
3 177
-
total
14 696
-
3 177
-
Employer
49 282
-
10 653
-
unemployment
1 301
-
281
-
pensions
5 327
-
1 152
-
other
5 727
-
1 238
-
accident
99
-
21
-
health
3 031
-
655
-
total
15 485
-
3 347
-
Corporate
-
14 000
-
-
income
-
3 080
-
-
total
-
3 080
-
-
Dividends
-
10 920
-
-
withholding
-
3 276
-
-
total
-
3 276
-
-
Income
14 000
14 000
14 000
14 000
Total tax
30 181
6 356
6 524
7 021
After tax
-16 181
7 644
7 476
6 979
Living cost
34 586
34 586
34 586
34 586
Free-cash
-50 767
-26 942
-27 110
-27 607

Estimated living cost  is ₽34586 per week

₽22922
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7745
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
-₽36430
-₽28578
-₽29735
-₽118187
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
-
-
-
14 000
income
-
-
-
2 729
social contributions
-
-
-
1 596
total
-
-
-
4 325
Employee
54 849
-
2 978
-
income
12 099
-
514
-
social contributions
4 498
-
641
-
total
16 597
-
1 155
-
Employer
54 849
-
2 978
-
social contributions
77 337
-
11 022
-
total
77 337
-
11 022
-
Corporate
-
14 000
-
-
income
-
3 080
-
-
total
-
3 080
-
-
Dividends
-
10 920
-
-
income
-
2 402
-
-
total
-
2 402
-
-
Income
14 000
14 000
14 000
14 000
Total tax
93 934
5 482
12 177
4 325
After tax
-79 934
8 518
1 823
9 675
Living cost
38 253
38 253
38 253
38 253
Free-cash
-118 187
-29 735
-36 430
-28 578

Estimated living cost  is ₽38253 per week

₽24820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9348
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
-₽24714
-₽18887
-₽32024
-₽27453
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
-
-
-
31 784
income
-
-
-
-
social contributions
-
-
-
4 958
health
-
-
-
811
total
-
-
-
5 769
Employee
64 290
64 290
64 290
-
income
6 751
5 951
7 229
-
social contributions
3 124
5 336
1 799
-
health
639
1 093
368
-
total
10 514
12 380
9 396
-
Employer
64 290
64 290
64 290
-
social contributions
3 124
5 336
1 799
-
health
697
1 190
401
-
total
3 821
6 526
2 200
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 000
14 000
14 000
14 000
Total tax
14 335
18 906
11 596
5 769
After tax
-335
-4 906
2 404
8 231
Living cost
27 118
27 118
27 118
27 118
Free-cash
-27 453
-32 024
-24 714
-18 887

Estimated living cost  is ₽27118 per week

₽18538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2118
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6007
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
-₽19634
-₽19393
-₽19889
-₽32706
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
-
-
-
14 000
income
-
-
-
2 747
pensions
-
-
-
267
total
-
-
-
3 014
Employee
41 700
-
13 433
-
income
7 594
-
2 687
-
health
544
-
-
-
pensions
3 183
-
-
-
total
11 321
-
2 687
-
Employer
41 700
-
13 433
-
pensions
4 213
-
312
-
health
793
-
256
-
total
5 006
-
568
-
Corporate
-
14 000
-
-
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.

-
2 660
-
-
total
-
2 660
-
-
Dividends
-
11 340
-
-
withholding
-
850
-
-
total
-
850
-
-
Income
14 000
14 000
14 000
14 000
Total tax
16 327
3 510
3 255
3 014
After tax
-2 327
10 490
10 745
10 986
Living cost
30 379
30 379
30 379
30 379
Free-cash
-32 706
-19 889
-19 634
-19 393

Estimated living cost  is ₽30379 per week

₽20840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
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.
₽6364
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
-₽29212
-₽27714
-₽25932
-₽56453
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
-
-
-
14 000
municipal
-
-
-
68
regional
-
-
-
130
national
-
-
-
1 729
social contributions
-
-
-
6 480
total
-
-
-
8 407
Employee
70 453
-
14 000
-
regional
1 064
-
95
-
social contributions
23 756
-
8 495
-
national
11 906
-
1 266
-
municipal
420
-
49
-
total
37 146
-
9 905
-
Employer
70 453
-
14 000
-
total
-
-
-
-
Corporate
-
14 000
-
-
nationa
-
3 360
-
-
municipal
-
674
-
-
total
-
4 034
-
-
Dividends
-
9 965
-
-
withholding
-
2 591
-
-
total
-
2 591
-
-
Income
14 000
14 000
14 000
14 000
Total tax
37 146
6 625
9 905
8 407
After tax
-23 146
7 375
4 095
5 593
Living cost
33 307
33 307
33 307
33 307
Free-cash
-56 453
-25 932
-29 212
-27 714

Estimated living cost  is ₽33307 per week

₽23396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2291
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7116
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
-₽10081
-₽10510
-₽16341
-₽19091
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
-
-
-
14 000
income
-
-
-
1 503
health
-
-
-
1 732
accident
-
-
-
201
pensions
-
-
-
3 305
other
-
-
-
294
total
-
-
-
7 035
Employee
27 489
-
11 630
-
income
3 771
-
1 595
-
health
3 148
-
1 332
-
pensions
3 095
-
1 309
-
total
10 014
-
4 236
-
Employer
27 489
-
11 630
-
unemployment
673
-
285
-
pensions
4 470
-
1 891
-
accident
459
-
194
-
total
5 602
-
2 370
-
Corporate
-
14 000
-
-
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.

-
12 600
-
-
total
-
12 600
-
-
Dividends
-
1 400
-
-
withholding
-
266
-
-
total
-
266
-
-
Income
14 000
14 000
14 000
14 000
Total tax
15 616
12 866
6 606
7 035
After tax
-1 616
1 134
7 394
6 965
Living cost
17 475
17 475
17 475
17 475
Free-cash
-19 091
-16 341
-10 081
-10 510

Estimated living cost  is ₽17475 per week

₽12808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3335
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
-₽23991
-₽23991
-₽24857
-₽27601
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.

-
-
-
14 000
income

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

-
-
-
-
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.

-
-
-
5 712
trade
-
-
-
-
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.

-
-
-
-
total
-
-
-
5 712
Employee

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

41 600
-
14 000
-
income

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

3 421
-
-
-
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.

5 712
-
5 712
-
surtax

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

189
-
-
-
total
9 322
-
5 712
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
14 000
-
-
chamber of commerce
-
148
-
-
income
-
2 101
-
-
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.

-
116
-
-
trade
-
2 009
-
-
total
-
4 374
-
-
Dividends
-
9 627
-
-
withholding
-
2 090
-
-
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.

-
114
-
-
total
-
2 204
-
-
Income
14 000
14 000
14 000
14 000
Total tax
9 322
6 578
5 712
5 712
After tax
4 678
7 422
8 288
8 288
Living cost
32 279
32 279
32 279
32 279
Free-cash
-27 601
-24 857
-23 991
-23 991

Estimated living cost  is ₽32279 per week

₽22266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6070
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
-₽9362
-₽8127
-₽6194
-₽16316
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.

-
-
-
14 000
microenterprise
-
-
-
2 101
income
-
-
-
-
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.

-
-
-
2 632
surtax
-
-
-
-
total
-
-
-
4 733
Employee
24 431
-
11 282
-
income
4 349
-
2 009
-
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.

2 688
-
1 241
-
surtax
-
-
-
-
total
7 037
-
3 250
-
Employer
24 431
-
11 282
-
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.

5 885
-
2 718
-
surtax
-
-
-
-
total
5 885
-
2 718
-
Corporate
-
14 000
-
-
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%.

-
2 800
-
-
total
-
2 800
-
-
Dividends

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

-
11 200
-
-
total
-
-
-
-
Income
14 000
14 000
14 000
14 000
Total tax
12 922
2 800
5 968
4 733
After tax
1 078
11 200
8 032
9 267
Living cost
17 394
17 394
17 394
17 394
Free-cash
-16 316
-6 194
-9 362
-8 127

Estimated living cost  is ₽17394 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1656
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4246
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
-₽3123
-₽3520
-₽2072
-₽6165
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
-
-
-
14 000
income
-
-
-
1 882
health
-
-
-
2 030
pensions
-
-
-
2 800
total
-
-
-
6 712
Employee
16 461
-
11 429
-
income
3 184
-
2 029
-
health
823
-
571
-
unemployment
165
-
114
-
pensions
1 481
-
1 029
-
total
5 653
-
3 743
-
Employer
16 461
-
11 429
-
unemployment
329
-
229
-
pensions
1 811
-
1 257
-
health
1 564
-
1 086
-
total
3 704
-
2 572
-
Corporate
-
14 000
-
-
income
-
3 080
-
-
total
-
3 080
-
-
Dividends
-
10 920
-
-
withholding
-
2 184
-
-
total
-
2 184
-
-
Income
14 000
14 000
14 000
14 000
Total tax
9 357
5 264
6 315
6 712
After tax
4 643
8 736
7 685
7 288
Living cost
10 808
10 808
10 808
10 808
Free-cash
-6 165
-2 072
-3 123
-3 520

Estimated living cost  is ₽10808 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽248
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.
₽3261
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
-₽11022
-₽10766
-₽9972
-₽20083
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
-
-
-
14 000
income
-
-
-
2 004
health
-
-
-
993
unemployment
-
-
-
190
surtax
-
-
-
-
pensions
-
-
-
2 800
other
-
-
-
-
total
-
-
-
5 987
Employee
28 156
-
11 566
-
other
-
-
-
-
income
4 720
-
1 939
-
health
719
-
295
-
unemployment
1 959
-
804
-
surtax
100
-
-
-
pensions
1 879
-
771
-
total
9 377
-
3 809
-
Employer
28 156
-
11 566
-
unemployment
893
-
367
-
pensions
3 754
-
1 542
-
other
-
-
-
-
health
1 280
-
525
-
total
5 927
-
2 434
-
Corporate
-
14 000
-
-
income
-
3 640
-
-
total
-
3 640
-
-
Dividends
-
10 360
-
-
withholding
-
1 553
-
-
total
-
1 553
-
-
Income
14 000
14 000
14 000
14 000
Total tax
15 304
5 193
6 243
5 987
After tax
-1 304
8 807
7 757
8 013
Living cost
18 779
18 779
18 779
18 779
Free-cash
-20 083
-9 972
-11 022
-10 766

Estimated living cost  is ₽18779 per week

₽11338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1633
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.
₽5374
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
-₽24304
-₽21518
-₽31549
-₽33858
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
-
-
-
14 000
income
-
-
-
-
chamber of commerce
-
-
-
56
health
-