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
₽ 14500
per

Your estimated
City
free-cash

Valencia , Spain
-₽19727
-₽15472
-₽12945
-₽26057
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
-
-
-
14 500
income
-
-
-
1 736
accident
-
-
-
161
unemployment
-
-
-
125
pensions
-
-
-
5 062
other
-
-
-
17
total
-
-
-
7 101
Employee
30 753
-
5 646
-
other
30
-
28
-
income
5 929
-
737
-
unemployment
477
-
431
-
pensions
1 446
-
1 305
-
total
7 882
-
2 501
-
Employer
30 753
-
5 646
-
unemployment
1 692
-
1 528
-
pensions
7 257
-
6 555
-
other
246
-
223
-
accident
609
-
549
-
total
9 804
-
8 855
-
Corporate
-
14 500
-
-
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.

-
2 175
-
-
total
-
2 175
-
-
Dividends
-
12 325
-
-
withholding
-
2 399
-
-
total
-
2 399
-
-
Income
14 500
14 500
14 500
14 500
Total tax
17 686
4 574
11 356
7 101
After tax
-3 186
9 926
3 144
7 399
Living cost
22 871
22 871
22 871
22 871
Free-cash
-26 057
-12 945
-19 727
-15 472

Estimated living cost  is ₽22871 per week

₽15437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2199
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽4834
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
-₽13661
-₽14309
-₽11508
-₽23306
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
-
-
-
14 500
income
-
-
-
1 842
health
-
-
-
638
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.

-
-
-
3 480
other
-
-
-
688
total
-
-
-
6 648
Employee
30 198
-
11 582
-
income
5 199
-
1 993
-
health
423
-
163
-
unemployment
301
-
115
-
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.

2 113
-
811
-
total
8 036
-
3 082
-
Employer
30 198
-
11 582
-
unemployment
301
-
115
-
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.

5 134
-
1 968
-
other
1 510
-
579
-
accident
241
-
93
-
health
423
-
163
-
total
7 609
-
2 918
-
Corporate
-
14 500
-
-
income
-
3 045
-
-
total
-
3 045
-
-
Dividends
-
11 455
-
-
withholding
-
802
-
-
total
-
802
-
-
Income
14 500
14 500
14 500
14 500
Total tax
15 645
3 847
6 000
6 648
After tax
-1 145
10 653
8 500
7 852
Living cost
22 161
22 161
22 161
22 161
Free-cash
-23 306
-11 508
-13 661
-14 309

Estimated living cost  is ₽22161 per week

₽15658
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1496
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽357
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.
₽4650
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
-₽1754
-₽2458
₽1487
-₽2781
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
-
-
-
14 500
income
-
-
-
2 175
health
-
-
-
1 668
unemployment
-
-
-
58
pensions

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

-
-
-
2 146
total
-
-
-
6 047
Employee
14 447
-
12 122
-
income
1 444
-
1 212
-
health
665
-
557
-
accident

We are using the highest rate at 1.1%.

159
-
133
-
pensions

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

1 268
-
1 064
-
total
3 536
-
2 966
-
Employer
14 447
-
12 122
-
unemployment
86
-
73
-
pensions

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

1 592
-
1 335
-
accident

We are using the highest rate at 1.1%.

159
-
133
-
health
997
-
836
-
total
2 834
-
2 377
-
Corporate
-
14 500
-
-
income
-
1 450
-
-
total
-
1 450
-
-
Dividends
-
13 050
-
-
withholding
-
652
-
-
total
-
652
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 370
2 102
5 343
6 047
After tax
8 130
12 398
9 157
8 453
Living cost
10 911
10 911
10 911
10 911
Free-cash
-2 781
1 487
-1 754
-2 458

Estimated living cost  is ₽10911 per week

₽6370
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽289
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.
₽3473
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
-₽18963
-₽20124
-₽21147
-₽32212
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
-
-
-
14 500
income
-
-
-
-
social contributions
-
-
-
414
health
-
-
-
223
surtax
-
-
-
-
pensions
-
-
-
5 082
other
-
-
-
450
total
-
-
-
6 169
Employee
35 595
-
11 047
-
income
2 101
-
-
-
social contributions
1 015
-
314
-
surtax
-
-
-
-
pensions
4 025
-
1 248
-
total
7 141
-
1 562
-
Employer
35 595
-
11 047
-
unemployment
1 441
-
447
-
social contributions
107
-
33
-
pensions
5 848
-
1 813
-
other
1 228
-
380
-
health
2 492
-
773
-
total
11 116
-
3 446
-
Corporate
-
14 500
-
-
income
-
4 059
-
-
surtax
-
-
-
-
total
-
4 059
-
-
Dividends
-
10 441
-
-
withholding
-
1 337
-
-
surtax
-
-
-
-
social contributions
-
1 796
-
-
total
-
3 133
-
-
Income
14 500
14 500
14 500
14 500
Total tax
18 257
7 192
5 008
6 169
After tax
-3 757
7 308
9 492
8 331
Living cost
28 455
28 455
28 455
28 455
Free-cash
-32 212
-21 147
-18 963
-20 124

Estimated living cost  is ₽28455 per week

₽17942
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2314
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7716
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
-₽68088
-₽26482
-₽63420
-₽68088
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
-
-
-
14 500
income
-
-
-
1 305
health
-
-
-
2 227
pensions
-
-
-
2 609
total
-
-
-
6 141
Employee
71 024
71 024
71 024
-
income

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

11 625
11 625
11 625
-
health
10 901
9 273
10 901
-
pensions
12 784
9 744
12 784
-
total
35 310
30 642
35 310
-
Employer
71 024
71 024
71 024
-
unemployment
2 557
2 557
2 557
-
pensions
4 943
4 943
4 943
-
health
4 937
4 937
4 937
-
total
12 437
12 437
12 437
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
47 747
43 079
47 747
6 141
After tax
-33 247
-28 579
-33 247
8 359
Living cost
34 841
34 841
34 841
34 841
Free-cash
-68 088
-63 420
-68 088
-26 482

Estimated living cost  is ₽34841 per week

₽24691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3141
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.
₽6455
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
-₽16373
-₽16373
-₽17662
-₽17311
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.

-
-
-
14 500
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.

-
-
-
5 682
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
-
-
-
5 682
Employee

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

31 811
-
14 500
-
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.

889
-
-
-
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.

5 682
-
5 682
-
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
6 620
-
5 682
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
14 500
-
-
chamber of commerce
-
147
-
-
income
-
2 175
-
-
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.

-
120
-
-
trade
-
2 284
-
-
total
-
4 726
-
-
Dividends
-
9 775
-
-
withholding
-
2 128
-
-
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.

-
117
-
-
total
-
2 245
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 620
6 971
5 682
5 682
After tax
7 880
7 529
8 818
8 818
Living cost
25 191
25 191
25 191
25 191
Free-cash
-17 311
-17 662
-16 373
-16 373

Estimated living cost  is ₽25191 per week

₽15846
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2937
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
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.
₽5938
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
-₽16292
-₽10495
-₽23563
-₽17589
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
-
-
-
31 617
income
-
-
-
-
social contributions
-
-
-
4 932
health
-
-
-
807
total
-
-
-
5 739
Employee
63 954
63 954
63 954
-
income
6 963
5 920
7 191
-
social contributions
2 418
5 308
1 790
-
health
496
1 087
366
-
total
9 877
12 315
9 347
-
Employer
63 954
63 954
63 954
-
social contributions
2 418
5 308
1 790
-
health
538
1 184
399
-
total
2 956
6 492
2 189
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
12 833
18 807
11 536
5 739
After tax
1 667
-4 307
2 964
8 761
Living cost
19 256
19 256
19 256
19 256
Free-cash
-17 589
-23 563
-16 292
-10 495

Estimated living cost  is ₽19256 per week

₽11541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1889
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5401
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
-₽17172
-₽17474
-₽17840
-₽32837
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.

-
-
-
14 500
income
-
-
-
846
social contributions

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

-
-
-
5 040
surtax
-
-
-
-
total
-
-
-
5 886
Employee
38 252
-
11 717
-
income
7 956
-
1 512
-
social contributions
4 208
-
1 289
-
surtax
-
-
-
-
total
12 164
-
2 801
-
Employer
38 252
-
11 717
-
social contributions
9 085
-
2 783
-
total
9 085
-
2 783
-
Corporate
-
14 500
-
-
income
-
3 045
-
-
surtax
-
-
-
-
total
-
3 045
-
-
Dividends
-
11 455
-
-
withholding
-
3 207
-
-
total
-
3 207
-
-
Income
14 500
14 500
14 500
14 500
Total tax
21 249
6 252
5 584
5 886
After tax
-6 749
8 248
8 916
8 614
Living cost
26 088
26 088
26 088
26 088
Free-cash
-32 837
-17 840
-17 172
-17 474

Estimated living cost  is ₽26088 per week

₽19519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1539
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.
₽4594
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
₽5382
₽8137
₽7557
₽6392
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%.

-
-
-
14 500
microenterprise

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

-
-
-
145
total
-
-
-
145
Employee
7 773
-
14 500
-
income
1 554
-
2 900
-
total
1 554
-
2 900
-
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%.

6 727
14 500
-
-
total
-
-
-
-
Dividends
6 727
14 500
-
-
withholding
336
725
-
-
total
336
725
-
-
Income
14 500
14 500
14 500
14 500
Total tax
1 890
725
2 900
145
After tax
12 610
13 775
11 600
14 355
Living cost
6 218
6 218
6 218
6 218
Free-cash
6 392
7 557
5 382
8 137

Estimated living cost  is ₽6218 per week

₽3854
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1677
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
-₽14096
-₽13570
-₽12325
-₽28004
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.

-
-
-
14 500
income
-
-
-
1 665
health
-
-
-
1 427
unemployment
-
-
-
22
pensions
-
-
-
2 648
total
-
-
-
5 762
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.

36 778
-
12 544
-
income
6 342
-
1 564
-
health
2 375
-
810
-
unemployment
52
-
17
-
pensions
5 701
-
1 944
-
total
14 470
-
4 335
-
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.

36 778
-
12 544
-
unemployment
22
-
8
-
pensions
3 254
-
1 110
-
health
2 450
-
835
-
total
5 726
-
1 953
-
Corporate
-
14 500
-
-
income
-
2 756
-
-
total
-
2 756
-
-
Dividends
-
11 744
-
-
withholding
-
1 761
-
-
total
-
1 761
-
-
Income
14 500
14 500
14 500
14 500
Total tax
20 196
4 517
6 288
5 762
After tax
-5 696
9 983
8 212
8 738
Living cost
22 308
22 308
22 308
22 308
Free-cash
-28 004
-12 325
-14 096
-13 570

Estimated living cost  is ₽22308 per week

₽15310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1430
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5137
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
-₽18583
-₽44825
-₽23248
-₽29960
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.

-
-
-
14 500
income
-
-
-
23 675
health

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

-
-
-
5 459
total
-
-
-
29 134
Employee
38 153
-
13 054
-
social contributions
3 823
-
1 446
-
income
4 140
-
-
-
total
7 963
-
1 446
-
Employer
38 153
-
13 054
-
social contributions
3 823
-
1 446
-
total
3 823
-
1 446
-
Corporate
-
14 500
-
-
income
-
5 074
-
-
total
-
5 074
-
-
Dividends
-
9 426
-
-
social contributions
2 483
2 483
-
-
total
2 483
2 483
-
-
Income
14 500
14 500
14 500
14 500
Total tax
14 269
7 557
2 892
29 134
After tax
231
6 943
11 608
-14 634
Living cost
30 191
30 191
30 191
30 191
Free-cash
-29 960
-23 248
-18 583
-44 825

Estimated living cost  is ₽30191 per week

₽19887
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
-₽9465
-₽8324
-₽8787
-₽15883
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
-
-
-
14 500
income
-
-
-
2 175
social contributions
-
-
-
2 001
health
-
-
-
1 012
total
-
-
-
5 188
Employee
28 199
-
14 500
-
income
4 703
-
3 316
-
social contributions
3 892
-
2 001
-
health
1 968
-
1 012
-
total
10 563
-
6 329
-
Employer
28 199
-
14 500
-
total
-
-
-
-
Corporate
-
14 500
-
-
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%.

-
724
-
-
total
-
724
-
-
Dividends
-
13 776
-
-
withholding
-
2 066
-
-
health
734
961
-
-
social contributions
1 450
1 900
-
-
total
2 184
4 927
-
-
Income
14 500
14 500
14 500
14 500
Total tax
12 747
5 651
6 329
5 188
After tax
1 753
8 849
8 171
9 312
Living cost
17 636
17 636
17 636
17 636
Free-cash
-15 883
-8 787
-9 465
-8 324

Estimated living cost  is ₽17636 per week

₽11803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
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.
₽4339
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
-₽15446
-₽15741
-₽12821
-₽30437
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
-
-
-
14 500
income
-
-
-
1 246
social contributions
-
-
-
4 234
solidarity contribution
-
-
-
-
health
-
-
-
1 957
total
-
-
-
7 437
Employee
33 535
-
10 821
-
solidarity contribution
-
-
-
-
income
4 024
-
1 299
-
social contributions
2 180
-
703
-
health
4 527
-
1 461
-
total
10 731
-
3 463
-
Employer
33 535
-
10 821
-
social contributions
8 384
-
2 705
-
health
3 018
-
974
-
total
11 402
-
3 679
-
Corporate
-
14 500
-
-
income
-
2 755
-
-
total
-
2 755
-
-
Dividends
-
11 745
-
-
withholding
-
1 762
-
-
total
-
1 762
-
-
Income
14 500
14 500
14 500
14 500
Total tax
22 133
4 517
7 142
7 437
After tax
-7 633
9 983
7 358
7 063
Living cost
22 804
22 804
22 804
22 804
Free-cash
-30 437
-12 821
-15 446
-15 741

Estimated living cost  is ₽22804 per week

₽16958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1263
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.
₽4188
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
₽1910
₽4665
₽4085
₽2268
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%.

-
-
-
14 500
microenterprise

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

-
-
-
145
total
-
-
-
145
Employee
12 113
-
14 500
-
income
2 423
-
2 900
-
total
2 423
-
2 900
-
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%.

2 387
14 500
-
-
total
-
-
-
-
Dividends
2 387
14 500
-
-
withholding
119
725
-
-
total
119
725
-
-
Income
14 500
14 500
14 500
14 500
Total tax
2 542
725
2 900
145
After tax
11 958
13 775
11 600
14 355
Living cost
9 690
9 690
9 690
9 690
Free-cash
2 268
4 085
1 910
4 665

Estimated living cost  is ₽9690 per week

₽6557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽325
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.
₽2401
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
-₽30678
-₽31839
-₽32862
-₽53860
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
-
-
-
14 500
income
-
-
-
-
social contributions
-
-
-
414
health
-
-
-
223
surtax
-
-
-
-
pensions
-
-
-
5 082
other
-
-
-
450
total
-
-
-
6 169
Employee
52 091
-
11 047
-
income
4 545
-
-
-
social contributions
1 484
-
314
-
surtax
-
-
-
-
pensions
5 892
-
1 248
-
total
11 921
-
1 562
-
Employer
52 091
-
11 047
-
unemployment
2 110
-
447
-
social contributions
156
-
33
-
pensions
8 559
-
1 813
-
other
1 798
-
380
-
health
3 646
-
773
-
total
16 269
-
3 446
-
Corporate
-
14 500
-
-
income
-
4 059
-
-
surtax
-
-
-
-
total
-
4 059
-
-
Dividends
-
10 441
-
-
withholding
-
1 337
-
-
surtax
-
-
-
-
social contributions
-
1 796
-
-
total
-
3 133
-
-
Income
14 500
14 500
14 500
14 500
Total tax
28 190
7 192
5 008
6 169
After tax
-13 690
7 308
9 492
8 331
Living cost
40 170
40 170
40 170
40 170
Free-cash
-53 860
-32 862
-30 678
-31 839

Estimated living cost  is ₽40170 per week

₽27186
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3286
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
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.
₽9146
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
-₽5597
-₽6223
-₽3859
-₽10985
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.

-
-
-
14 500
income
-
-
-
906
health
-
-
-
1 494
unemployment
-
-
-
218
pensions
-
-
-
3 770
total
-
-
-
6 388
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.

21 617
-
12 299
-
income
2 980
-
1 114
-
health
1 113
-
633
-
unemployment
162
-
92
-
pensions
3 026
-
1 722
-
total
7 281
-
3 561
-
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.

21 617
-
12 299
-
unemployment
162
-
92
-
pensions
2 594
-
1 476
-
health
1 113
-
633
-
total
3 869
-
2 201
-
Corporate
-
14 500
-
-
income
-
2 175
-
-
total
-
2 175
-
-
Dividends
-
12 325
-
-
withholding
-
1 849
-
-
total
-
1 849
-
-
Income
14 500
14 500
14 500
14 500
Total tax
11 150
4 024
5 762
6 388
After tax
3 350
10 476
8 738
8 112
Living cost
14 335
14 335
14 335
14 335
Free-cash
-10 985
-3 859
-5 597
-6 223

Estimated living cost  is ₽14335 per week

₽9652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1109
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽3160
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
-₽47757
-₽45578
-₽51430
-₽59921
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
-
-
-
14 500
regional
-
-
-
54
national
-
-
-
-
health
-
-
-
189
city
-
-
-
151
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.

-
-
-
289
pensions
-
-
-
1 333
total
-
-
-
2 016
Employee
67 947
-
12 208
-
regional
2 225
-
3
-
city
729
-
121
-
health
154
-
27
-
unemployment
-
-
-
-
national
322
-
-
-
pensions
5 708
-
1 886
-
total
9 138
-
2 037
-
Employer
67 947
-
12 208
-
unemployment
-
-
-
-
pensions
5 708
-
1 886
-
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.

1 359
-
245
-
health
154
-
27
-
total
7 221
-
2 158
-
Corporate
-
14 500
-
-
regional
-
3 066
-
-
national
-
1 232
-
-
total
-
4 298
-
-
Dividends
-
10 202
-
-
withholding
-
3 570
-
-
total
-
3 570
-
-
Income
14 500
14 500
14 500
14 500
Total tax
16 359
7 868
4 195
2 016
After tax
-1 859
6 632
10 305
12 484
Living cost
58 062
58 062
58 062
58 062
Free-cash
-59 921
-51 430
-47 757
-45 578

Estimated living cost  is ₽58062 per week

₽37757
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽713
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.
₽14382
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
-₽22756
-₽20042
-₽21896
-₽37514
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

-
-
-
14 500
municipal
-
-
-
2 611
national
-
-
-
-
health
-
-
-
-
total
-
-
-
2 611
Employee
43 757
-
12 197
-
health
327
-
-
-
unemployment
657
-
183
-
national
723
-
-
-
municipal
7 167
-
2 014
-
pensions
2 953
-
824
-
total
11 827
-
3 021
-
Employer
43 757
-
12 197
-
unemployment
284
-
79
-
pensions
7 592
-
2 117
-
accident
44
-
13
-
health
336
-
95
-
total
8 256
-
2 304
-
Corporate
-
14 500
-
-
income
-
2 899
-
-
total
-
2 899
-
-
Dividends

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

-
8 700
-
-
national
-
-
-
-
municipal
-
1 566
-
-
total
-
1 566
-
-
Income
14 500
14 500
14 500
14 500
Total tax
20 083
4 465
5 325
2 611
After tax
-5 583
10 035
9 175
11 889
Living cost
31 931
31 931
31 931
31 931
Free-cash
-37 514
-21 896
-22 756
-20 042

Estimated living cost  is ₽31931 per week

₽20857
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3071
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽7495
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
-₽23586
-₽23346
-₽21942
-₽62311
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
-
-
-
14 500
national
-
-
-
2 528
social contributions
-
-
-
4 385
communal

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

-
-
-
608
total
-
-
-
7 521
Employee

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

59 492
-
11 230
-
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.

2 795
-
529
-
communal

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

3 103
-
586
-
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.

518
-
98
-
national
18 290
-
2 440
-
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.

4 462
-
843
-
total
29 168
-
4 496
-
Employer

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

59 492
-
11 230
-
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.

868
-
164
-
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.

5 272
-
994
-
surtax
6 746
-
1 272
-
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.

773
-
145
-
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.

3 659
-
690
-
total
17 318
-
3 265
-
Corporate
-
14 500
-
-
income
-
2 899
-
-
surtax
-
58
-
-
total
-
2 957
-
-
Dividends
-
11 542
-
-
withholding

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

-
3 160
-
-
total
-
3 160
-
-
Income
14 500
14 500
14 500
14 500
Total tax
46 486
6 117
7 761
7 521
After tax
-31 986
8 383
6 739
6 979
Living cost
30 325
30 325
30 325
30 325
Free-cash
-62 311
-21 942
-23 586
-23 346

Estimated living cost  is ₽30325 per week

₽19533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2652
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7666
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
-₽26639
-₽27154
-₽26466
-₽49886
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
-
-
-
14 500
municipal
-
-
-
3 071
national
-
-
-
-
health
-
-
-
905
accident
-
-
-
29
unemployment
-
-
-
14
pensions
-
-
-
1 567
other
-
-
-
1 685
total
-
-
-
7 271
Employee
48 993
-
11 033
-
national
-
-
-
-
municipal
14 610
-
3 290
-
total
14 610
-
3 290
-
Employer
48 993
-
11 033
-
unemployment
1 293
-
291
-
pensions
5 296
-
1 193
-
other
5 693
-
1 282
-
accident
98
-
22
-
health
3 013
-
678
-
total
15 393
-
3 466
-
Corporate
-
14 500
-
-
income
-
3 190
-
-
total
-
3 190
-
-
Dividends
-
11 310
-
-
withholding
-
3 393
-
-
total
-
3 393
-
-
Income
14 500
14 500
14 500
14 500
Total tax
30 003
6 583
6 756
7 271
After tax
-15 503
7 917
7 744
7 229
Living cost
34 383
34 383
34 383
34 383
Free-cash
-49 886
-26 466
-26 639
-27 154

Estimated living cost  is ₽34383 per week

₽22788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3374
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.
₽7699
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
-₽35790
-₽28029
-₽29228
-₽116987
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
-
-
-
14 500
income
-
-
-
2 826
social contributions
-
-
-
1 653
total
-
-
-
4 479
Employee
54 559
-
3 536
-
income
12 035
-
638
-
social contributions
4 474
-
638
-
total
16 509
-
1 276
-
Employer
54 559
-
3 536
-
social contributions
76 928
-
10 964
-
total
76 928
-
10 964
-
Corporate
-
14 500
-
-
income
-
3 190
-
-
total
-
3 190
-
-
Dividends
-
11 310
-
-
income
-
2 488
-
-
total
-
2 488
-
-
Income
14 500
14 500
14 500
14 500
Total tax
93 437
5 678
12 240
4 479
After tax
-78 937
8 822
2 260
10 021
Living cost
38 050
38 050
38 050
38 050
Free-cash
-116 987
-29 228
-35 790
-28 029

Estimated living cost  is ₽38050 per week

₽24689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3579
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9298
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
-₽24012
-₽18215
-₽31283
-₽26737
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
-
-
-
31 617
income
-
-
-
-
social contributions
-
-
-
4 932
health
-
-
-
807
total
-
-
-
5 739
Employee
63 954
63 954
63 954
-
income
6 716
5 920
7 191
-
social contributions
3 108
5 308
1 790
-
health
636
1 087
366
-
total
10 460
12 315
9 347
-
Employer
63 954
63 954
63 954
-
social contributions
3 108
5 308
1 790
-
health
693
1 184
399
-
total
3 801
6 492
2 189
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
14 261
18 807
11 536
5 739
After tax
239
-4 307
2 964
8 761
Living cost
26 976
26 976
26 976
26 976
Free-cash
-26 737
-31 283
-24 012
-18 215

Estimated living cost  is ₽26976 per week

₽18441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2107
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5975
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
-₽19020
-₽18715
-₽19240
-₽31782
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
-
-
-
14 500
income
-
-
-
2 847
pensions
-
-
-
264
total
-
-
-
3 111
Employee
41 322
-
13 854
-
income
7 525
-
2 770
-
health
539
-
-
-
pensions
3 154
-
-
-
total
11 218
-
2 770
-
Employer
41 322
-
13 854
-
pensions
4 175
-
384
-
health
785
-
262
-
total
4 960
-
646
-
Corporate
-
14 500
-
-
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.

-
2 756
-
-
total
-
2 756
-
-
Dividends
-
11 744
-
-
withholding
-
880
-
-
total
-
880
-
-
Income
14 500
14 500
14 500
14 500
Total tax
16 178
3 636
3 416
3 111
After tax
-1 678
10 864
11 084
11 389
Living cost
30 104
30 104
30 104
30 104
Free-cash
-31 782
-19 240
-19 020
-18 715

Estimated living cost  is ₽30104 per week

₽20651
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.
₽377
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.
₽6306
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
-₽28633
-₽27144
-₽25495
-₽55585
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
-
-
-
14 500
municipal
-
-
-
73
regional
-
-
-
139
national
-
-
-
1 853
social contributions
-
-
-
6 446
total
-
-
-
8 511
Employee
70 084
-
14 500
-
regional
1 058
-
104
-
social contributions
23 632
-
8 450
-
national
11 844
-
1 392
-
municipal
418
-
54
-
total
36 952
-
10 000
-
Employer
70 084
-
14 500
-
total
-
-
-
-
Corporate
-
14 500
-
-
nationa
-
3 480
-
-
municipal
-
699
-
-
total
-
4 179
-
-
Dividends
-
10 321
-
-
withholding
-
2 683
-
-
total
-
2 683
-
-
Income
14 500
14 500
14 500
14 500
Total tax
36 952
6 862
10 000
8 511
After tax
-22 452
7 638
4 500
5 989
Living cost
33 133
33 133
33 133
33 133
Free-cash
-55 585
-25 495
-28 633
-27 144

Estimated living cost  is ₽33133 per week

₽23274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7079
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
-₽9704
-₽9957
-₽16188
-₽18378
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
-
-
-
14 500
income
-
-
-
1 598
health
-
-
-
1 721
accident
-
-
-
199
pensions
-
-
-
3 284
other
-
-
-
292
total
-
-
-
7 094
Employee
27 313
-
12 045
-
income
3 747
-
1 652
-
health
3 127
-
1 379
-
pensions
3 075
-
1 356
-
total
9 949
-
4 387
-
Employer
27 313
-
12 045
-
unemployment
669
-
295
-
pensions
4 441
-
1 958
-
accident
456
-
201
-
total
5 566
-
2 454
-
Corporate
-
14 500
-
-
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.

-
13 050
-
-
total
-
13 050
-
-
Dividends
-
1 450
-
-
withholding
-
275
-
-
total
-
275
-
-
Income
14 500
14 500
14 500
14 500
Total tax
15 515
13 325
6 841
7 094
After tax
-1 015
1 175
7 659
7 406
Living cost
17 363
17 363
17 363
17 363
Free-cash
-18 378
-16 188
-9 704
-9 957

Estimated living cost  is ₽17363 per week

₽12726
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽962
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽3313
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
-₽23292
-₽23292
-₽24430
-₽26883
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.

-
-
-
14 500
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.

-
-
-
5 682
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
-
-
-
5 682
Employee

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

41 382
-
14 500
-
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.

3 403
-
-
-
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.

5 682
-
5 682
-
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.

188
-
-
-
total
9 273
-
5 682
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
14 500
-
-
chamber of commerce
-
147
-
-
income
-
2 175
-
-
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.

-
120
-
-
trade
-
2 080
-
-
total
-
4 522
-
-
Dividends
-
9 978
-
-
withholding
-
2 178
-
-
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.

-
120
-
-
total
-
2 298
-
-
Income
14 500
14 500
14 500
14 500
Total tax
9 273
6 820
5 682
5 682
After tax
5 227
7 680
8 818
8 818
Living cost
32 110
32 110
32 110
32 110
Free-cash
-26 883
-24 430
-23 292
-23 292

Estimated living cost  is ₽32110 per week

₽22150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3455
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽6039
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
-₽8982
-₽7596
-₽5702
-₽15657
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.

-
-
-
14 500
microenterprise
-
-
-
2 175
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.

-
-
-
2 618
surtax
-
-
-
-
total
-
-
-
4 793
Employee
24 303
-
11 684
-
income
4 326
-
2 080
-
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.

2 674
-
1 285
-
surtax
-
-
-
-
total
7 000
-
3 365
-
Employer
24 303
-
11 684
-
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.

5 854
-
2 814
-
surtax
-
-
-
-
total
5 854
-
2 814
-
Corporate
-
14 500
-
-
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%.

-
2 899
-
-
total
-
2 899
-
-
Dividends

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

-
11 601
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
12 854
2 899
6 179
4 793
After tax
1 646
11 601
8 321
9 707
Living cost
17 303
17 303
17 303
17 303
Free-cash
-15 657
-5 702
-8 982
-7 596

Estimated living cost  is ₽17303 per week

₽11039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽393
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.
₽4224
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
-₽2808
-₽3221
-₽1696
-₽5547
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
-
-
-
14 500
income
-
-
-
1 974
health
-
-
-
2 103
pensions
-
-
-
2 900
total
-
-
-
6 977
Employee
16 364
-
11 837
-
income
3 166
-
2 126
-
health
818
-
592
-
unemployment
164
-
118
-
pensions
1 473
-
1 065
-
total
5 621
-
3 901
-
Employer
16 364
-
11 837
-
unemployment
327
-
237
-
pensions
1 800
-
1 302
-
health
1 555
-
1 124
-
total
3 682
-
2 663
-
Corporate
-
14 500
-
-
income
-
3 190
-
-
total
-
3 190
-
-
Dividends
-
11 310
-
-
withholding
-
2 262
-
-
total
-
2 262
-
-
Income
14 500
14 500
14 500
14 500
Total tax
9 303
5 452
6 564
6 977
After tax
5 197
9 048
7 936
7 523
Living cost
10 744
10 744
10 744
10 744
Free-cash
-5 547
-1 696
-2 808
-3 221

Estimated living cost  is ₽10744 per week

₽6385
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽871
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽246
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3242
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
-₽10648
-₽10375
-₽9562
-₽19405
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
-
-
-
14 500
income
-
-
-
2 075
health
-
-
-
1 031
unemployment
-
-
-
189
surtax
-
-
-
-
pensions
-
-
-
2 899
other
-
-
-
-
total
-
-
-
6 194
Employee
28 009
-
11 978
-
other
-
-
-
-
income
4 695
-
2 008
-
health
715
-
305
-
unemployment
1 949
-
833
-
surtax
99
-
-
-
pensions
1 869
-
799
-
total
9 327
-
3 945
-
Employer
28 009
-
11 978
-
unemployment
889
-
380
-
pensions
3 734
-
1 597
-
other
-
-
-
-
health
1 274
-
545
-
total
5 897
-
2 522
-
Corporate
-
14 500
-
-
income
-
3 771
-
-
total
-
3 771
-
-
Dividends
-
10 729
-
-
withholding
-
1 610
-
-
total
-
1 610
-
-
Income
14 500
14 500
14 500
14 500
Total tax
15 224
5 381
6 467
6 194
After tax
-724
9 119
8 033
8 306
Living cost
18 681
18 681
18 681
18 681
Free-cash
-19 405
-9 562
-10 648
-10 375

Estimated living cost  is ₽18681 per week

₽11279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1624
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽5346
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
-₽23877
-₽20986
-₽30808
-₽33109
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
-
-
-
14 500
income
-
-
-
-
chamber of commerce
-
-
-
58
health
-