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
₽ 144000
per

Your estimated
City
free-cash

Valencia , Spain
₽70904
₽55906
₽59195
₽74362
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
-
-
-
144 000
unemployment
-
-
-
509
income
-
-
-
41 462
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
63 254
Employee
28 978
-
120 842
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
38 771
-
other
28
-
73
-
total
7 426
-
43 385
-
Employer
28 978
-
120 842
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
105 783
144 000
-
-
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.

15 867
21 601
-
-
total
15 867
21 601
-
-
Dividends
89 916
122 399
-
-
withholding
19 014
26 486
-
-
total
19 014
26 486
-
-
Income
144 000
144 000
144 000
144 000
Total tax
51 545
48 087
66 543
63 254
After tax
92 455
95 913
77 457
80 746
Living cost
21 551
21 551
21 551
21 551
Free-cash
70 904
74 362
55 906
59 195

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
₽79619
₽60586
₽60804
₽84914
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
-
-
-
144 000
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
-
-
-
22 807
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
62 313
Employee
28 456
-
115 017
-
health
399
-
1 611
-
unemployment
284
-
1 150
-
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
-
8 050
-
income
4 899
-
22 735
-
total
7 573
-
33 546
-
Employer
28 456
-
115 017
-
health
399
-
1 611
-
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
-
19 553
-
accident
228
-
921
-
unemployment
284
-
1 150
-
other
1 423
-
5 750
-
total
7 172
-
28 985
-
Corporate
108 373
144 000
-
-
income
22 759
30 240
-
-
total
22 759
30 240
-
-
Dividends
85 614
113 760
-
-
withholding
5 994
7 963
-
-
total
5 994
7 963
-
-
Income
144 000
144 000
144 000
144 000
Total tax
43 498
38 203
62 531
62 313
After tax
100 502
105 797
81 469
81 687
Living cost
20 883
20 883
20 883
20 883
Free-cash
79 619
84 914
60 586
60 804

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
₽109208
₽110536
₽104824
₽112850
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
-
-
-
144 000
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
-
-
-
21 600
health
-
-
-
3 147
total
-
-
-
28 906
Employee
13 600
-
138 632
-
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
-
13 863
-
total
3 330
-
17 826
-
Employer
13 600
-
138 632
-
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
127 732
144 000
-
-
income
12 774
14 400
-
-
total
12 774
14 400
-
-
Dividends
114 958
129 600
-
-
withholding
5 748
6 480
-
-
total
5 748
6 480
-
-
Income
144 000
144 000
144 000
144 000
Total tax
24 521
20 880
23 194
28 906
After tax
119 479
123 120
120 806
115 094
Living cost
10 270
10 270
10 270
10 270
Free-cash
109 208
112 850
110 536
104 824

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
₽50393
₽51637
₽54236
₽45761
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
-
-
-
144 000
income
-
-
-
22 997
other
-
-
-
4 465
health
-
-
-
6 275
social contributions
-
-
-
4 103
pensions
-
-
-
25 111
surtax
-
-
-
-
total
-
-
-
62 951
Employee
33 541
-
111 251
-
pensions
3 792
-
7 817
-
income
1 980
-
21 814
-
social contributions
956
-
3 169
-
surtax
-
-
-
-
total
6 728
-
32 800
-
Employer
33 541
-
111 251
-
health
2 348
-
10 391
-
social contributions
101
-
333
-
pensions
5 510
-
13 145
-
unemployment
1 358
-
4 506
-
other
1 157
-
4 375
-
total
10 474
-
32 750
-
Corporate
99 984
144 000
-
-
income
27 996
40 320
-
-
surtax
-
-
-
-
total
27 996
40 320
-
-
Dividends
71 988
103 680
-
-
social contributions
12 381
17 835
-
-
surtax
-
-
-
-
withholding
9 215
13 271
-
-
total
21 596
31 106
-
-
Income
144 000
144 000
144 000
144 000
Total tax
66 794
71 426
65 550
62 951
After tax
77 206
72 574
78 450
81 049
Living cost
26 813
26 813
26 813
26 813
Free-cash
50 393
45 761
51 637
54 236

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
₽33750
₽57782
₽46255
₽38552
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
-
-
-
144 000
pensions
-
-
-
9 182
income
-
-
-
46 068
health
-
-
-
9 664
total
-
-
-
64 914
Employee
66 925
66 925
129 436
-
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
19 976
-
total
33 274
28 874
38 822
-
Employer
66 925
66 925
129 436
-
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
66 176
65 355
-
-
income
13 235
13 071
-
-
total
13 235
13 071
-
-
Dividends
52 941
52 284
-
-
income
11 249
11 111
-
-
withholding
7 942
7 842
-
-
total
19 191
18 953
-
-
Income
144 000
144 000
144 000
144 000
Total tax
77 419
72 617
53 387
64 914
After tax
66 581
71 383
90 613
79 086
Living cost
32 831
32 831
32 831
32 831
Free-cash
33 750
38 552
57 782
46 255

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
₽57550
₽67251
₽50310
₽48879
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.

-
-
-
144 000
trade
-
-
-
16 941
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.

-
-
-
45 172
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.

-
-
-
2 485
total
-
-
-
69 952
Employee

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

29 975
-
144 000
-
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
-
45 172
-
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
-
2 485
-
total
6 237
-
53 011
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
114 025
144 000
-
-
income
17 103
21 601
-
-
trade
17 958
22 680
-
-
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.

940
1 188
-
-
chamber of commerce
283
326
-
-
total
36 284
45 795
-
-
Dividends
77 741
98 205
-
-
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.

1 053
1 334
-
-
withholding
19 138
24 254
-
-
total
20 191
25 588
-
-
Income
144 000
144 000
144 000
144 000
Total tax
62 712
71 383
53 011
69 952
After tax
81 288
72 617
90 989
74 048
Living cost
23 738
23 738
23 738
23 738
Free-cash
57 550
48 879
67 251
50 310

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
₽82620
₽78731
₽79982
₽86884
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
-
-
-
144 000
income
-
-
-
29 521
health
-
-
-
3 672
social contributions
-
-
-
12 680
total
-
-
-
45 873
Employee
60 263
60 263
134 761
-
health
467
1 025
2 290
-
income
6 562
5 579
28 849
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
37 885
-
Employer
60 263
60 263
134 761
-
health
507
1 115
2 493
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
9 239
-
Corporate
113 762
77 620
-
-
income
14 221
9 703
-
-
total
14 221
9 703
-
-
Dividends
99 541
67 917
-
-
withholding
16 922
11 545
-
-
total
16 922
11 545
-
-
Income
144 000
144 000
144 000
144 000
Total tax
43 235
38 971
47 124
45 873
After tax
100 765
105 029
96 876
98 127
Living cost
18 145
18 145
18 145
18 145
Free-cash
82 620
86 884
78 731
79 982

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
₽56537
₽41237
₽52156
₽57325
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.

-
-
-
144 000
income
-
-
-
17 223
social contributions

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

-
-
-
50 039
surtax
-
-
-
-
total
-
-
-
67 262
Employee
36 044
-
116 363
-
income
7 497
-
37 744
-
social contributions
3 965
-
12 801
-
surtax
-
-
-
-
total
11 462
-
50 545
-
Employer
36 044
-
116 363
-
social contributions
8 560
-
27 636
-
total
8 560
-
27 636
-
Corporate
99 395
144 000
-
-
income
20 873
30 240
-
-
surtax
-
-
-
-
total
20 873
30 240
-
-
Dividends
78 522
113 760
-
-
withholding
21 986
31 853
-
-
total
21 986
31 853
-
-
Income
144 000
144 000
144 000
144 000
Total tax
62 881
62 093
78 181
67 262
After tax
81 119
81 907
65 819
76 738
Living cost
24 582
24 582
24 582
24 582
Free-cash
56 537
57 325
41 237
52 156

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
₽129588
₽109126
₽136486
₽130726
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%.

-
-
-
144 000
microenterprise

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

-
-
-
1 440
total
-
-
-
1 440
Employee
7 592
-
144 000
-
income
1 518
-
28 800
-
total
1 518
-
28 800
-
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%.

136 408
144 000
-
-
total
-
-
-
-
Dividends
136 408
144 000
-
-
withholding
6 820
7 200
-
-
total
6 820
7 200
-
-
Income
144 000
144 000
144 000
144 000
Total tax
8 338
7 200
28 800
1 440
After tax
135 662
136 800
115 200
142 560
Living cost
6 074
6 074
6 074
6 074
Free-cash
129 588
130 726
109 126
136 486

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
₽71568
₽45195
₽49007
₽78122
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.

-
-
-
144 000
pensions
-
-
-
26 299
unemployment
-
-
-
216
income
-
-
-
33 288
health
-
-
-
14 169
total
-
-
-
73 972
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
-
124 599
-
health
2 238
-
8 049
-
unemployment
49
-
174
-
pensions
5 372
-
19 313
-
income
5 976
-
30 849
-
total
13 635
-
58 385
-
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
-
124 599
-
health
2 308
-
8 299
-
pensions
3 067
-
11 026
-
unemployment
21
-
74
-
total
5 396
-
19 399
-
Corporate
103 949
144 000
-
-
income
19 750
27 361
-
-
total
19 750
27 361
-
-
Dividends
84 198
116 639
-
-
withholding
12 630
17 496
-
-
total
12 630
17 496
-
-
Income
144 000
144 000
144 000
144 000
Total tax
51 411
44 857
77 784
73 972
After tax
92 589
99 143
66 216
70 028
Living cost
21 021
21 021
21 021
21 021
Free-cash
71 568
78 122
45 195
49 007

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
₽63750
₽73574
₽88288
₽61010
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.

-
-
-
144 000
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
-
140 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
34 767
-
total
7 503
-
38 372
-
Employer
35 952
-
140 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
104 446
144 000
-
-
income
36 556
50 401
-
-
total
36 556
50 401
-
-
Dividends
67 890
93 599
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
144 000
144 000
144 000
144 000
Total tax
51 801
54 541
41 977
27 263
After tax
92 199
89 459
102 023
116 737
Living cost
28 449
28 449
28 449
28 449
Free-cash
63 750
61 010
73 574
88 288

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
₽71641
₽72714
₽75858
₽71234
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
-
-
-
144 000
income
-
-
-
21 601
health
-
-
-
10 051
social contributions
-
-
-
19 872
total
-
-
-
51 524
Employee
26 572
-
144 000
-
health
1 855
-
10 051
-
income
4 432
-
24 745
-
social contributions
3 668
-
19 872
-
total
9 955
-
54 668
-
Employer
26 572
-
144 000
-
total
-
-
-
-
Corporate
117 428
144 000
-
-
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%.

5 872
7 200
-
-
total
5 872
7 200
-
-
Dividends
111 556
136 800
-
-
social contributions
15 394
18 879
-
-
withholding
16 733
20 521
-
-
health
7 787
9 548
-
-
total
39 914
48 948
-
-
Income
144 000
144 000
144 000
144 000
Total tax
55 741
56 148
54 668
51 524
After tax
88 259
87 852
89 332
92 476
Living cost
16 618
16 618
16 618
16 618
Free-cash
71 641
71 234
72 714
75 858

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
₽69382
₽55316
₽61380
₽77207
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
-
-
-
144 000
income
-
-
-
14 841
health
-
-
-
19 440
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
785
total
-
-
-
60 683
Employee
32 261
-
111 989
-
health
4 355
-
15 118
-
solidarity contribution
-
-
241
-
income
3 871
-
13 675
-
social contributions
2 097
-
5 702
-
total
10 323
-
34 736
-
Employer
32 261
-
111 989
-
health
2 903
-
10 079
-
social contributions
8 065
-
21 932
-
total
10 968
-
32 011
-
Corporate
100 771
144 000
-
-
income
19 146
27 360
-
-
total
19 146
27 360
-
-
Dividends
81 624
116 640
-
-
withholding
12 244
17 496
-
-
total
12 244
17 496
-
-
Income
144 000
144 000
144 000
144 000
Total tax
52 681
44 856
66 747
60 683
After tax
91 319
99 144
77 253
83 317
Living cost
21 937
21 937
21 937
21 937
Free-cash
69 382
77 207
55 316
61 380

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
₽125561
₽105735
₽133095
₽127335
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%.

-
-
-
144 000
microenterprise

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

-
-
-
1 440
total
-
-
-
1 440
Employee
11 832
-
144 000
-
income
2 366
-
28 800
-
total
2 366
-
28 800
-
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%.

132 168
144 000
-
-
total
-
-
-
-
Dividends
132 168
144 000
-
-
withholding
6 608
7 200
-
-
total
6 608
7 200
-
-
Income
144 000
144 000
144 000
144 000
Total tax
8 974
7 200
28 800
1 440
After tax
135 026
136 800
115 200
142 560
Living cost
9 465
9 465
9 465
9 465
Free-cash
125 561
127 335
105 735
133 095

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
₽40111
₽40598
₽43197
₽34722
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
-
-
-
144 000
income
-
-
-
22 997
other
-
-
-
4 465
health
-
-
-
6 275
social contributions
-
-
-
4 103
pensions
-
-
-
25 111
surtax
-
-
-
-
total
-
-
-
62 951
Employee
49 085
-
111 251
-
pensions
5 552
-
7 817
-
income
4 283
-
21 814
-
social contributions
1 398
-
3 169
-
surtax
-
-
-
-
total
11 233
-
32 800
-
Employer
49 085
-
111 251
-
health
3 435
-
10 391
-
social contributions
147
-
333
-
pensions
8 065
-
13 145
-
unemployment
1 988
-
4 506
-
other
1 694
-
4 375
-
total
15 329
-
32 750
-
Corporate
79 585
144 000
-
-
income
22 283
40 320
-
-
surtax
-
-
-
-
total
22 283
40 320
-
-
Dividends
57 302
103 680
-
-
social contributions
9 857
17 835
-
-
surtax
-
-
-
-
withholding
7 335
13 271
-
-
total
17 192
31 106
-
-
Income
144 000
144 000
144 000
144 000
Total tax
66 037
71 426
65 550
62 951
After tax
77 963
72 574
78 450
81 049
Living cost
37 852
37 852
37 852
37 852
Free-cash
40 111
34 722
40 598
43 197

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
₽86683
₽75925
₽75925
₽90528
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.

-
-
-
144 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
32 736
health
-
-
-
5 948
total
-
-
-
54 563
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
-
133 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
32 736
-
total
6 864
-
44 227
-
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
-
133 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
119 977
144 000
-
-
income
17 997
21 600
-
-
total
17 997
21 600
-
-
Dividends
101 981
122 400
-
-
withholding
15 297
18 360
-
-
total
15 297
18 360
-
-
Income
144 000
144 000
144 000
144 000
Total tax
43 805
39 960
54 563
54 563
After tax
100 195
104 040
89 437
89 437
Living cost
13 512
13 512
13 512
13 512
Free-cash
86 683
90 528
75 925
75 925

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
₽35360
₽55883
₽61643
₽12558
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
-
-
-
144 000
pensions
-
-
-
13 249
city
-
-
-
1 518
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.

-
-
-
2 880
health
-
-
-
324
regional
-
-
-
7 778
national
-
-
-
3 319
total
-
-
-
29 068
Employee
62 361
-
129 312
-
health
141
-
292
-
unemployment
-
-
-
-
city
669
-
1 395
-
pensions
5 239
-
10 388
-
regional
2 042
-
6 849
-
national
295
-
2 637
-
total
8 386
-
21 561
-
Employer
62 361
-
129 312
-
health
141
-
292
-
pensions
5 239
-
10 388
-
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
-
2 587
-
total
6 627
-
13 267
-
Corporate
74 326
144 000
-
-
regional
15 720
30 457
-
-
national
6 318
12 240
-
-
total
22 038
42 697
-
-
Dividends
52 288
101 304
-
-
withholding
18 300
35 456
-
-
total
18 300
35 456
-
-
Income
144 000
144 000
144 000
144 000
Total tax
55 351
78 153
34 828
29 068
After tax
88 649
65 847
109 172
114 932
Living cost
53 289
53 289
53 289
53 289
Free-cash
35 360
12 558
55 883
61 643

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
₽61885
₽45075
₽61925
₽59775
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

-
-
-
144 000
municipal
-
-
-
25 580
health
-
-
-
1 890
national
-
-
-
24 516
total
-
-
-
51 986
Employee
41 232
-
121 141
-
health
308
-
1 538
-
unemployment
619
-
1 817
-
pensions
2 783
-
8 177
-
national
681
-
14 717
-
municipal
6 754
-
19 730
-
total
11 145
-
45 979
-
Employer
41 232
-
121 141
-
health
317
-
932
-
pensions
7 154
-
21 018
-
accident
42
-
120
-
unemployment
268
-
787
-
total
7 781
-
22 857
-
Corporate
94 988
144 000
-
-
income
18 998
28 800
-
-
total
18 998
28 800
-
-
Dividends

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

56 993
86 400
-
-
municipal
10 259
15 552
-
-
national
3 843
9 784
-
-
total
14 102
25 336
-
-
Income
144 000
144 000
144 000
144 000
Total tax
52 026
54 136
68 836
51 986
After tax
91 974
89 864
75 164
92 014
Living cost
30 089
30 089
30 089
30 089
Free-cash
61 885
59 775
45 075
61 925

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
₽40193
₽21792
₽33894
₽51947
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
-
-
-
144 000
communal

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

-
-
-
7 467
social contributions
-
-
-
19 539
national
-
-
-
54 525
total
-
-
-
81 531
Employee

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

56 059
-
111 532
-
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
-
5 241
-
communal

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

2 924
-
5 818
-
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
-
970
-
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
-
8 366
-
national
17 235
-
40 772
-
total
27 485
-
61 167
-
Employer

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

56 059
-
111 532
-
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
-
6 859
-
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
-
9 881
-
surtax
6 356
-
12 647
-
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
-
1 450
-
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
-
1 629
-
total
16 317
-
32 466
-
Corporate
71 623
144 000
-
-
income
14 325
28 800
-
-
surtax
287
576
-
-
total
14 612
29 376
-
-
Dividends
57 011
114 624
-
-
withholding

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

16 818
34 102
-
-
total
16 818
34 102
-
-
Income
144 000
144 000
144 000
144 000
Total tax
75 232
63 478
93 633
81 531
After tax
68 768
80 522
50 367
62 469
Living cost
28 575
28 575
28 575
28 575
Free-cash
40 193
51 947
21 792
33 894

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
₽43848
₽39486
₽40311
₽44612
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
-
-
-
144 000
unemployment
-
-
-
75
municipal
-
-
-
36 501
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
11 581
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
69 677
Employee
48 465
-
120 578
-
national
-
-
11 124
-
municipal
14 452
-
35 957
-
total
14 452
-
47 081
-
Employer
48 465
-
120 578
-
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
80 308
144 000
-
-
income
17 668
31 680
-
-
total
17 668
31 680
-
-
Dividends
62 640
112 320
-
-
withholding
18 792
33 696
-
-
total
18 792
33 696
-
-
Income
144 000
144 000
144 000
144 000
Total tax
66 140
65 376
70 502
69 677
After tax
77 860
78 624
73 498
74 323
Living cost
34 012
34 012
34 012
34 012
Free-cash
43 848
44 612
39 486
40 311

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
₽7977
₽94574
₽61639
₽49733
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
-
-
-
144 000
income
-
-
-
28 068
social contributions
-
-
-
16 416
total
-
-
-
44 484
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
13 112
144 000
-
-
income
2 885
31 680
-
-
total
2 885
31 680
-
-
Dividends
10 228
112 320
-
-
income
2 250
24 710
-
-
total
2 250
24 710
-
-
Income
144 000
144 000
144 000
144 000
Total tax
98 146
56 390
11 549
44 484
After tax
45 854
87 610
132 451
99 516
Living cost
37 877
37 877
37 877
37 877
Free-cash
7 977
49 733
94 574
61 639

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
₽76362
₽71457
₽72708
₽79610
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
-
-
-
144 000
income
-
-
-
29 521
health
-
-
-
3 672
social contributions
-
-
-
12 680
total
-
-
-
45 873
Employee
60 263
60 263
134 761
-
health
599
1 025
2 290
-
income
6 328
5 579
28 849
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
37 885
-
Employer
60 263
60 263
134 761
-
health
653
1 115
2 493
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
9 239
-
Corporate
105 143
77 620
-
-
income
13 143
9 703
-
-
total
13 143
9 703
-
-
Dividends
92 001
67 917
-
-
withholding
15 640
11 545
-
-
total
15 640
11 545
-
-
Income
144 000
144 000
144 000
144 000
Total tax
42 219
38 971
47 124
45 873
After tax
101 781
105 029
96 876
98 127
Living cost
25 419
25 419
25 419
25 419
Free-cash
76 362
79 610
71 457
72 708

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
₽69470
₽53582
₽66560
₽64985
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
-
-
-
144 000
income
-
-
-
42 277
pensions
-
-
-
7 027
total
-
-
-
49 304
Employee
38 621
-
125 693
-
health
504
-
1 782
-
pensions
2 948
-
8 565
-
income
7 033
-
33 628
-
total
10 485
-
43 975
-
Employer
38 621
-
125 693
-
health
734
-
2 389
-
pensions
3 902
-
15 918
-
total
4 636
-
18 307
-
Corporate
100 743
144 000
-
-
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.

19 141
27 360
-
-
total
19 141
27 360
-
-
Dividends
81 602
116 640
-
-
withholding
12 132
23 519
-
-
total
12 132
23 519
-
-
Income
144 000
144 000
144 000
144 000
Total tax
46 394
50 879
62 282
49 304
After tax
97 606
93 121
81 718
94 696
Living cost
28 136
28 136
28 136
28 136
Free-cash
69 470
64 985
53 582
66 560

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
₽41063
₽29225
₽35548
₽44628
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
-
-
-
144 000
municipal
-
-
-
962
regional
-
-
-
3 305
social contributions
-
-
-
37 036
national
-
-
-
35 928
total
-
-
-
77 231
Employee
66 040
-
144 000
-
social contributions
22 268
-
48 557
-
regional
997
-
2 932
-
national
11 160
-
31 205
-
municipal
394
-
860
-
total
34 819
-
83 554
-
Employer
66 040
-
144 000
-
total
-
-
-
-
Corporate
77 960
144 000
-
-
nationa
18 711
34 560
-
-
municipal
3 758
6 941
-
-
total
22 469
41 501
-
-
Dividends
55 491
102 499
-
-
withholding
14 428
26 650
-
-
total
14 428
26 650
-
-
Income
144 000
144 000
144 000
144 000
Total tax
71 716
68 151
83 554
77 231
After tax
72 284
75 849
60 446
66 769
Living cost
31 221
31 221
31 221
31 221
Free-cash
41 063
44 628
29 225
35 548

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
₽9095
₽61833
₽81666
-₽5073
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
-
-
-
144 000
pensions
-
-
-
3 165
income
-
-
-
40 299
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
45 597
Employee
26 328
-
130 252
-
health
3 015
-
14 914
-
pensions
2 965
-
5 804
-
income
3 612
-
30 965
-
total
9 592
-
51 683
-
Employer
26 328
-
130 252
-
pensions
4 281
-
8 381
-
accident
440
-
2 175
-
unemployment
645
-
3 191
-
total
5 366
-
13 747
-
Corporate
112 307
144 000
-
-
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.

101 076
129 600
-
-
total
101 076
129 600
-
-
Dividends
11 231
14 400
-
-
withholding
2 134
2 736
-
-
total
2 134
2 736
-
-
Income
144 000
144 000
144 000
144 000
Total tax
118 168
132 336
65 430
45 597
After tax
25 832
11 664
78 570
98 403
Living cost
16 737
16 737
16 737
16 737
Free-cash
9 095
-5 073
61 833
81 666

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
₽54094
₽60732
₽45296
₽43842
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.

-
-
-
144 000
trade
-
-
-
15 436
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.

-
-
-
45 172
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.

-
-
-
2 485
total
-
-
-
68 447
Employee

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

38 994
-
144 000
-
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
-
45 172
-
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
-
2 485
-
total
8 737
-
53 011
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
105 006
144 000
-
-
income
15 751
21 601
-
-
trade
15 069
20 664
-
-
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.

867
1 188
-
-
chamber of commerce
274
330
-
-
total
31 961
43 783
-
-
Dividends
73 045
100 217
-
-
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.

988
1 362
-
-
withholding
17 963
24 756
-
-
total
18 951
26 118
-
-
Income
144 000
144 000
144 000
144 000
Total tax
59 649
69 901
53 011
68 447
After tax
84 351
74 099
90 989
75 553
Living cost
30 257
30 257
30 257
30 257
Free-cash
54 094
43 842
60 732
45 296

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
₽92469
₽44603
₽33899
₽98896
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.

-
-
-
144 000
income
-
-
-
27 050
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
-
-
-
36 720
total
-
-
-
93 797
Employee
22 900
-
109 459
-
income
4 076
-
22 406
-
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
-
-
15 872
-
total
6 595
-
48 552
-
Employer
22 900
-
109 459
-
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
-
-
12 041
-
total
5 516
-
34 541
-
Corporate
115 584
144 000
-
-
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%.

23 116
28 800
-
-
total
23 116
28 800
-
-
Dividends

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

92 468
115 200
-
-
total
-
-
-
-
Income
144 000
144 000
144 000
144 000
Total tax
35 227
28 800
83 093
93 797
After tax
108 773
115 200
60 907
50 203
Living cost
16 304
16 304
16 304
16 304
Free-cash
92 469
98 896
44 603
33 899

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
₽78512
₽77442
₽78136
₽80113
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
-
-
-
144 000
income
-
-
-
43 862
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
56 121
Employee
14 840
-
136 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
43 489
-
total
5 097
-
48 819
-
Employer
14 840
-
136 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
125 821
144 000
-
-
income
27 681
31 680
-
-
total
27 681
31 680
-
-
Dividends
98 141
112 320
-
-
withholding
19 628
22 464
-
-
total
19 628
22 464
-
-
Income
144 000
144 000
144 000
144 000
Total tax
55 745
54 144
56 815
56 121
After tax
88 255
89 856
87 185
87 879
Living cost
9 743
9 743
9 743
9 743
Free-cash
78 512
80 113
77 442
78 136

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
₽70479
₽45668
₽50463
₽72972
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
-
-
-
144 000
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
40 958
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
6 453
total
-
-
-
75 934
Employee
26 392
-
121 983
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
36 272
-
other
-
-
-
-
surtax
94
-
5 516
-
total
8 791
-
58 712
-
Employer
26 392
-
121 983
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
112 051
144 000
-
-
income
29 133
37 440
-
-
total
29 133
37 440
-
-
Dividends
82 918
106 560
-
-
withholding
12 438
15 985
-
-
total
12 438
15 985
-
-
Income
144 000
144 000
144 000
144 000
Total tax
55 918
53 425
80 729
75 934
After tax
88 082
90 575
63 271
68 066
Living cost
17 603
17 603
17 603
17 603
Free-cash
70 479
72 972
45 668
50 463

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
₽54310
₽13127
₽49076
₽54699
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
-
-
-
144 000
pensions
-
-
-
16 938
chamber of commerce
-
-