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
₽ 149000
per

Your estimated
City
free-cash

Valencia , Spain
₽74005
₽58488
₽61801
₽77491
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
-
-
-
149 000
unemployment
-
-
-
512
income
-
-
-
43 543
other
-
-
-
73
accident
-
-
-
659
pensions
-
-
-
20 705
total
-
-
-
65 492
Employee
29 188
-
125 675
-
unemployment
452
-
1 134
-
pensions
1 372
-
3 439
-
income
5 627
-
40 833
-
other
28
-
73
-
total
7 479
-
45 479
-
Employer
29 188
-
125 675
-
pensions
6 888
-
17 267
-
accident
578
-
1 449
-
unemployment
1 606
-
4 024
-
other
234
-
586
-
total
9 306
-
23 326
-
Corporate
110 507
149 000
-
-
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.

16 577
22 350
-
-
total
16 577
22 350
-
-
Dividends
93 930
126 650
-
-
withholding
19 926
27 452
-
-
total
19 926
27 452
-
-
Income
149 000
149 000
149 000
149 000
Total tax
53 288
49 802
68 805
65 492
After tax
95 712
99 198
80 195
83 508
Living cost
21 707
21 707
21 707
21 707
Free-cash
74 005
77 491
58 488
61 801

Estimated living cost  is ₽21707 per week

₽14652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2087
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.
₽4588
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
₽83105
₽63176
₽64212
₽88436
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
-
-
-
149 000
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.

-
-
-
28 809
income
-
-
-
23 962
other
-
-
-
5 701
health
-
-
-
5 282
total
-
-
-
63 754
Employee
28 661
-
119 009
-
health
401
-
1 666
-
unemployment
286
-
1 189
-
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.

2 006
-
8 330
-
income
4 934
-
23 616
-
total
7 627
-
34 801
-
Employer
28 661
-
119 009
-
health
401
-
1 666
-
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.

4 873
-
20 230
-
accident
229
-
953
-
unemployment
286
-
1 189
-
other
1 434
-
5 951
-
total
7 223
-
29 989
-
Corporate
113 115
149 000
-
-
income
23 755
31 290
-
-
total
23 755
31 290
-
-
Dividends
89 360
117 710
-
-
withholding
6 256
8 240
-
-
total
6 256
8 240
-
-
Income
149 000
149 000
149 000
149 000
Total tax
44 861
39 530
64 790
63 754
After tax
104 139
109 470
84 210
85 246
Living cost
21 034
21 034
21 034
21 034
Free-cash
83 105
88 436
63 176
64 212

Estimated living cost  is ₽21034 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽339
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.
₽4413
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
₽113355
₽114856
₽108909
₽117028
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
-
-
-
149 000
pensions

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

-
-
-
4 088
unemployment
-
-
-
110
income
-
-
-
22 350
health
-
-
-
3 176
total
-
-
-
29 724
Employee
13 728
-
143 581
-
health
631
-
1 270
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

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

1 205
-
2 425
-
income
1 373
-
14 358
-
total
3 360
-
18 357
-
Employer
13 728
-
143 581
-
health
948
-
1 906
-
pensions

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

1 513
-
3 044
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 694
-
5 420
-
Corporate
132 579
149 000
-
-
income
13 258
14 900
-
-
total
13 258
14 900
-
-
Dividends
119 321
134 100
-
-
withholding
5 966
6 705
-
-
total
5 966
6 705
-
-
Income
149 000
149 000
149 000
149 000
Total tax
25 278
21 605
23 777
29 724
After tax
123 722
127 395
125 223
119 276
Living cost
10 367
10 367
10 367
10 367
Free-cash
113 355
117 028
114 856
108 909

Estimated living cost  is ₽10367 per week

₽6053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
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
₽52751
₽53737
₽56798
₽48089
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
-
-
-
149 000
income
-
-
-
24 101
other
-
-
-
4 618
health
-
-
-
6 611
social contributions
-
-
-
4 245
pensions
-
-
-
25 620
surtax
-
-
-
-
total
-
-
-
65 195
Employee
33 784
-
114 901
-
pensions
3 820
-
8 163
-
income
1 994
-
22 718
-
social contributions
963
-
3 275
-
surtax
-
-
-
-
total
6 777
-
34 156
-
Employer
33 784
-
114 901
-
health
2 365
-
10 836
-
social contributions
102
-
345
-
pensions
5 550
-
13 709
-
unemployment
1 368
-
4 654
-
other
1 165
-
4 556
-
total
10 550
-
34 100
-
Corporate
104 666
149 000
-
-
income
29 307
41 720
-
-
surtax
-
-
-
-
total
29 307
41 720
-
-
Dividends
75 359
107 280
-
-
social contributions
12 962
18 452
-
-
surtax
-
-
-
-
withholding
9 646
13 732
-
-
total
22 608
32 184
-
-
Income
149 000
149 000
149 000
149 000
Total tax
69 242
73 904
68 256
65 195
After tax
79 758
75 096
80 744
83 805
Living cost
27 007
27 007
27 007
27 007
Free-cash
52 751
48 089
53 737
56 798

Estimated living cost  is ₽27007 per week

₽17029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2196
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7324
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
₽36010
₽61102
₽48499
₽40847
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
-
-
-
149 000
pensions
-
-
-
9 249
income
-
-
-
48 450
health
-
-
-
9 734
total
-
-
-
67 433
Employee
67 409
67 409
134 330
-
health
10 347
8 801
9 734
-
pensions
12 134
9 249
9 249
-
income

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

11 034
11 034
21 177
-
total
33 515
29 084
40 160
-
Employer
67 409
67 409
134 330
-
health
4 686
4 686
5 823
-
pensions
4 692
4 692
5 832
-
unemployment
2 427
2 427
3 015
-
total
11 805
11 805
14 670
-
Corporate
70 614
69 787
-
-
income
14 123
13 957
-
-
total
14 123
13 957
-
-
Dividends
56 491
55 830
-
-
income
12 005
11 864
-
-
withholding
8 474
8 375
-
-
total
20 479
20 239
-
-
Income
149 000
149 000
149 000
149 000
Total tax
79 922
75 085
54 830
67 433
After tax
69 078
73 915
94 170
81 567
Living cost
33 068
33 068
33 068
33 068
Free-cash
36 010
40 847
61 102
48 499

Estimated living cost  is ₽33068 per week

₽23434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6127
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
₽59954
₽69942
₽52255
₽51224
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.

-
-
-
149 000
trade
-
-
-
17 687
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.

-
-
-
47 161
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.

-
-
-
5 393
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.

-
-
-
2 595
total
-
-
-
72 836
Employee

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

30 192
-
149 000
-
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.

5 393
-
5 393
-
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.

843
-
47 161
-
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
-
2 595
-
total
6 282
-
55 149
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
118 808
149 000
-
-
income
17 821
22 350
-
-
trade
18 713
23 467
-
-
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.

980
1 230
-
-
chamber of commerce
291
334
-
-
total
37 805
47 381
-
-
Dividends
81 003
101 619
-
-
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.

1 098
1 381
-
-
withholding
19 952
25 105
-
-
total
21 050
26 486
-
-
Income
149 000
149 000
149 000
149 000
Total tax
65 137
73 867
55 149
72 836
After tax
83 863
75 133
93 851
76 164
Living cost
23 909
23 909
23 909
23 909
Free-cash
59 954
51 224
69 942
52 255

Estimated living cost  is ₽23909 per week

₽15040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5635
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
₽86093
₽81783
₽83067
₽90388
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
-
-
-
149 000
income
-
-
-
31 086
health
-
-
-
3 799
social contributions
-
-
-
12 772
total
-
-
-
47 657
Employee
60 699
60 699
139 623
-
health
470
1 032
2 374
-
income
6 609
5 619
30 394
-
social contributions
2 295
5 038
6 795
-
total
9 374
11 689
39 563
-
Employer
60 699
60 699
139 623
-
health
511
1 123
2 583
-
social contributions
2 295
5 038
6 795
-
total
2 806
6 161
9 378
-
Corporate
118 544
82 140
-
-
income
14 818
10 267
-
-
total
14 818
10 267
-
-
Dividends
103 726
71 873
-
-
withholding
17 633
12 219
-
-
total
17 633
12 219
-
-
Income
149 000
149 000
149 000
149 000
Total tax
44 631
40 336
48 941
47 657
After tax
104 369
108 664
100 059
101 343
Living cost
18 276
18 276
18 276
18 276
Free-cash
86 093
90 388
81 783
83 067

Estimated living cost  is ₽18276 per week

₽10953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽5126
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
₽59195
₽43101
₽54397
₽59991
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.

-
-
-
149 000
income
-
-
-
18 065
social contributions

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

-
-
-
51 778
surtax
-
-
-
-
total
-
-
-
69 843
Employee
36 305
-
120 404
-
income
7 552
-
39 299
-
social contributions
3 994
-
13 244
-
surtax
-
-
-
-
total
11 546
-
52 543
-
Employer
36 305
-
120 404
-
social contributions
8 622
-
28 596
-
total
8 622
-
28 596
-
Corporate
104 073
149 000
-
-
income
21 856
31 290
-
-
surtax
-
-
-
-
total
21 856
31 290
-
-
Dividends
82 217
117 710
-
-
withholding
23 021
32 959
-
-
total
23 021
32 959
-
-
Income
149 000
149 000
149 000
149 000
Total tax
65 045
64 249
81 139
69 843
After tax
83 955
84 751
67 861
79 157
Living cost
24 760
24 760
24 760
24 760
Free-cash
59 195
59 991
43 101
54 397

Estimated living cost  is ₽24760 per week

₽18526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1461
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4361
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
₽134442
₽113214
₽141524
₽135564
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%.

-
-
-
149 000
microenterprise

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

-
-
-
1 490
total
-
-
-
1 490
Employee
7 482
-
149 000
-
income
1 496
-
29 800
-
total
1 496
-
29 800
-
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%.

141 518
149 000
-
-
total
-
-
-
-
Dividends
141 518
149 000
-
-
withholding
7 076
7 450
-
-
total
7 076
7 450
-
-
Income
149 000
149 000
149 000
149 000
Total tax
8 572
7 450
29 800
1 490
After tax
140 428
141 550
119 200
147 510
Living cost
5 986
5 986
5 986
5 986
Free-cash
134 442
135 564
113 214
141 524

Estimated living cost  is ₽5986 per week

₽3710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1614
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
₽74811
₽47148
₽51020
₽81414
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.

-
-
-
149 000
pensions
-
-
-
27 211
unemployment
-
-
-
223
income
-
-
-
34 712
health
-
-
-
14 661
total
-
-
-
76 807
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.

34 906
-
128 926
-
health
2 254
-
8 329
-
unemployment
49
-
180
-
pensions
5 411
-
19 983
-
income
6 020
-
32 113
-
total
13 734
-
60 605
-
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.

34 906
-
128 926
-
health
2 325
-
8 586
-
pensions
3 089
-
11 410
-
unemployment
21
-
78
-
total
5 435
-
20 074
-
Corporate
108 659
149 000
-
-
income
20 645
28 310
-
-
total
20 645
28 310
-
-
Dividends
88 014
120 690
-
-
withholding
13 202
18 103
-
-
total
13 202
18 103
-
-
Income
149 000
149 000
149 000
149 000
Total tax
53 016
46 413
80 679
76 807
After tax
95 984
102 587
68 321
72 193
Living cost
21 173
21 173
21 173
21 173
Free-cash
74 811
81 414
47 148
51 020

Estimated living cost  is ₽21173 per week

₽14530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1357
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.
₽4876
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
₽66785
₽76680
₽92910
₽64025
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.

-
-
-
149 000
income
-
-
-
22 470
health

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

-
-
-
4 966
total
-
-
-
27 436
Employee
36 212
-
145 369
-
social contributions
3 628
-
3 631
-
income
3 929
-
36 404
-
total
7 557
-
40 035
-
Employer
36 212
-
145 369
-
social contributions
3 628
-
3 631
-
total
3 628
-
3 631
-
Corporate
109 160
149 000
-
-
income
38 206
52 151
-
-
total
38 206
52 151
-
-
Dividends
70 954
96 849
-
-
social contributions
4 170
4 170
-
-
total
4 170
4 170
-
-
Income
149 000
149 000
149 000
149 000
Total tax
53 561
56 321
43 666
27 436
After tax
95 439
92 679
105 334
121 564
Living cost
28 654
28 654
28 654
28 654
Free-cash
66 785
64 025
76 680
92 910

Estimated living cost  is ₽28654 per week

₽18875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
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.
₽7081
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
₽74574
₽75585
₽78951
₽74166
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
-
-
-
149 000
income
-
-
-
22 350
health
-
-
-
10 400
social contributions
-
-
-
20 561
total
-
-
-
53 311
Employee
26 764
-
149 000
-
health
1 868
-
10 400
-
income
4 464
-
25 716
-
social contributions
3 694
-
20 561
-
total
10 026
-
56 677
-
Employer
26 764
-
149 000
-
total
-
-
-
-
Corporate
122 236
149 000
-
-
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%.

6 112
7 449
-
-
total
6 112
7 449
-
-
Dividends
116 124
141 551
-
-
social contributions
16 025
19 534
-
-
withholding
17 419
21 232
-
-
health
8 106
9 881
-
-
total
41 550
50 647
-
-
Income
149 000
149 000
149 000
149 000
Total tax
57 688
58 096
56 677
53 311
After tax
91 312
90 904
92 323
95 689
Living cost
16 738
16 738
16 738
16 738
Free-cash
74 574
74 166
75 585
78 951

Estimated living cost  is ₽16738 per week

₽11202
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1032
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4118
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
₽72585
₽58140
₽64468
₽80474
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
-
-
-
149 000
income
-
-
-
15 459
health
-
-
-
20 115
social contributions
-
-
-
25 822
solidarity contribution
-
-
-
1 024
total
-
-
-
62 420
Employee
32 518
-
116 415
-
health
4 390
-
15 716
-
solidarity contribution
-
-
456
-
income
3 902
-
14 243
-
social contributions
2 114
-
5 748
-
total
10 406
-
36 163
-
Employer
32 518
-
116 415
-
health
2 927
-
10 477
-
social contributions
8 130
-
22 108
-
total
11 057
-
32 585
-
Corporate
105 425
149 000
-
-
income
20 031
28 310
-
-
total
20 031
28 310
-
-
Dividends
85 395
120 690
-
-
withholding
12 809
18 104
-
-
total
12 809
18 104
-
-
Income
149 000
149 000
149 000
149 000
Total tax
54 303
46 414
68 748
62 420
After tax
94 697
102 586
80 252
86 580
Living cost
22 112
22 112
22 112
22 112
Free-cash
72 585
80 474
58 140
64 468

Estimated living cost  is ₽22112 per week

₽16444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4061
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
₽130473
₽109872
₽138182
₽132222
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%.

-
-
-
149 000
microenterprise

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

-
-
-
1 490
total
-
-
-
1 490
Employee
11 661
-
149 000
-
income
2 332
-
29 800
-
total
2 332
-
29 800
-
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%.

137 339
149 000
-
-
total
-
-
-
-
Dividends
137 339
149 000
-
-
withholding
6 867
7 450
-
-
total
6 867
7 450
-
-
Income
149 000
149 000
149 000
149 000
Total tax
9 199
7 450
29 800
1 490
After tax
139 801
141 550
119 200
147 510
Living cost
9 328
9 328
9 328
9 328
Free-cash
130 473
132 222
109 872
138 182

Estimated living cost  is ₽9328 per week

₽6313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽313
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.
₽2311
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
₽42397
₽42618
₽45679
₽36970
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
-
-
-
149 000
income
-
-
-
24 101
other
-
-
-
4 618
health
-
-
-
6 611
social contributions
-
-
-
4 245
pensions
-
-
-
25 620
surtax
-
-
-
-
total
-
-
-
65 195
Employee
49 440
-
114 901
-
pensions
5 592
-
8 163
-
income
4 314
-
22 718
-
social contributions
1 408
-
3 275
-
surtax
-
-
-
-
total
11 314
-
34 156
-
Employer
49 440
-
114 901
-
health
3 460
-
10 836
-
social contributions
148
-
345
-
pensions
8 124
-
13 709
-
unemployment
2 003
-
4 654
-
other
1 706
-
4 556
-
total
15 441
-
34 100
-
Corporate
84 119
149 000
-
-
income
23 553
41 720
-
-
surtax
-
-
-
-
total
23 553
41 720
-
-
Dividends
60 566
107 280
-
-
social contributions
10 417
18 452
-
-
surtax
-
-
-
-
withholding
7 752
13 732
-
-
total
18 169
32 184
-
-
Income
149 000
149 000
149 000
149 000
Total tax
68 477
73 904
68 256
65 195
After tax
80 523
75 096
80 744
83 805
Living cost
38 126
38 126
38 126
38 126
Free-cash
42 397
36 970
42 618
45 679

Estimated living cost  is ₽38126 per week

₽25803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽8681
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
₽90174
₽79448
₽79450
₽94044
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.

-
-
-
149 000
pensions
-
-
-
15 119
unemployment
-
-
-
872
income
-
-
-
33 963
health
-
-
-
5 989
total
-
-
-
55 943
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.

20 519
-
138 591
-
health
1 057
-
2 995
-
unemployment
154
-
436
-
pensions
2 873
-
8 141
-
income
2 828
-
33 963
-
total
6 912
-
45 535
-
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.

20 519
-
138 591
-
health
1 057
-
2 995
-
pensions
2 462
-
6 978
-
unemployment
154
-
436
-
total
3 673
-
10 409
-
Corporate
124 808
149 000
-
-
income
18 721
22 350
-
-
total
18 721
22 350
-
-
Dividends
106 087
126 650
-
-
withholding
15 913
18 998
-
-
total
15 913
18 998
-
-
Income
149 000
149 000
149 000
149 000
Total tax
45 219
41 348
55 944
55 943
After tax
103 781
107 652
93 056
93 057
Living cost
13 608
13 608
13 608
13 608
Free-cash
90 174
94 044
79 448
79 450

Estimated living cost  is ₽13608 per week

₽9162
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1053
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽2999
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
₽37395
₽59182
₽64968
₽14412
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
-
-
-
149 000
pensions
-
-
-
13 708
city
-
-
-
1 570
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.

-
-
-
2 980
health
-
-
-
335
regional
-
-
-
8 148
national
-
-
-
3 569
total
-
-
-
30 310
Employee
62 868
-
133 901
-
health
142
-
301
-
unemployment
-
-
-
-
city
675
-
1 446
-
pensions
5 282
-
10 646
-
regional
2 059
-
7 202
-
national
298
-
2 876
-
total
8 456
-
22 471
-
Employer
62 868
-
133 901
-
health
142
-
301
-
pensions
5 282
-
10 646
-
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.

1 257
-
2 678
-
total
6 681
-
13 625
-
Corporate
78 760
149 000
-
-
regional
16 658
31 514
-
-
national
6 695
12 665
-
-
total
23 353
44 179
-
-
Dividends
55 407
104 821
-
-
withholding
19 393
36 687
-
-
total
19 393
36 687
-
-
Income
149 000
149 000
149 000
149 000
Total tax
57 883
80 866
36 096
30 310
After tax
91 117
68 134
112 904
118 690
Living cost
53 722
53 722
53 722
53 722
Free-cash
37 395
14 412
59 182
64 968

Estimated living cost  is ₽53722 per week

₽34935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4821
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽660
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.
₽13307
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
₽64667
₽47223
₽64352
₽62442
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

-
-
-
149 000
municipal
-
-
-
26 466
health
-
-
-
1 965
national
-
-
-
25 911
total
-
-
-
54 342
Employee
41 530
-
125 347
-
health
310
-
1 601
-
unemployment
623
-
1 880
-
pensions
2 803
-
8 461
-
national
686
-
15 462
-
municipal
6 802
-
20 413
-
total
11 224
-
47 817
-
Employer
41 530
-
125 347
-
health
319
-
965
-
pensions
7 205
-
21 748
-
accident
42
-
126
-
unemployment
270
-
815
-
total
7 836
-
23 654
-
Corporate
99 634
149 000
-
-
income
19 926
29 799
-
-
total
19 926
29 799
-
-
Dividends

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

59 781
89 400
-
-
municipal
10 760
16 093
-
-
national
4 281
10 360
-
-
total
15 041
26 453
-
-
Income
149 000
149 000
149 000
149 000
Total tax
54 027
56 252
71 471
54 342
After tax
94 973
92 748
77 529
94 658
Living cost
30 306
30 306
30 306
30 306
Free-cash
64 667
62 442
47 223
64 352

Estimated living cost  is ₽30306 per week

₽19796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7114
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
₽42691
₽23124
₽35879
₽54529
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
-
-
-
149 000
communal

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

-
-
-
7 760
social contributions
-
-
-
19 680
national
-
-
-
56 899
total
-
-
-
84 339
Employee

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

56 464
-
115 406
-
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.

2 653
-
5 424
-
communal

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

2 945
-
6 019
-
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.

491
-
1 004
-
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.

4 235
-
8 655
-
national
17 359
-
42 400
-
total
27 683
-
63 502
-
Employer

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

56 464
-
115 406
-
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.

3 472
-
7 097
-
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.

5 003
-
10 225
-
surtax
6 402
-
13 086
-
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.

734
-
1 499
-
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.

824
-
1 685
-
total
16 435
-
33 592
-
Corporate
76 100
149 000
-
-
income
15 219
29 799
-
-
surtax
304
596
-
-
total
15 523
30 395
-
-
Dividends
60 576
118 604
-
-
withholding

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

17 886
35 294
-
-
total
17 886
35 294
-
-
Income
149 000
149 000
149 000
149 000
Total tax
77 527
65 689
97 094
84 339
After tax
71 473
83 311
51 906
64 661
Living cost
28 782
28 782
28 782
28 782
Free-cash
42 691
54 529
23 124
35 879

Estimated living cost  is ₽28782 per week

₽18539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽7276
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
₽46418
₽41625
₽42454
₽47183
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
-
-
-
149 000
unemployment
-
-
-
75
municipal
-
-
-
37 962
other
-
-
-
8 702
health
-
-
-
4 673
national
-
-
-
12 717
accident
-
-
-
150
pensions
-
-
-
8 096
total
-
-
-
72 375
Employee
48 691
-
125 469
-
national
-
-
12 258
-
municipal
14 520
-
37 415
-
total
14 520
-
49 673
-
Employer
48 691
-
125 469
-
health
2 994
-
4 606
-
pensions
5 263
-
8 096
-
accident
97
-
150
-
unemployment
1 285
-
1 977
-
other
5 658
-
8 702
-
total
15 297
-
23 531
-
Corporate
85 010
149 000
-
-
income
18 702
32 780
-
-
total
18 702
32 780
-
-
Dividends
66 308
116 220
-
-
withholding
19 892
34 866
-
-
total
19 892
34 866
-
-
Income
149 000
149 000
149 000
149 000
Total tax
68 411
67 646
73 204
72 375
After tax
80 589
81 354
75 796
76 625
Living cost
34 171
34 171
34 171
34 171
Free-cash
46 418
47 183
41 625
42 454

Estimated living cost  is ₽34171 per week

₽22647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3353
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.
₽7652
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
₽10853
₽99472
₽65015
₽52696
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
-
-
-
149 000
income
-
-
-
29 043
social contributions
-
-
-
16 986
total
-
-
-
46 029
Employee
54 424
-
-
-
income
12 005
-
-
-
social contributions
4 463
-
636
-
total
16 468
-
636
-
Employer
54 424
-
-
-
social contributions
76 738
-
10 936
-
total
76 738
-
10 936
-
Corporate
17 838
149 000
-
-
income
3 924
32 780
-
-
total
3 924
32 780
-
-
Dividends
13 914
116 220
-
-
income
3 061
25 568
-
-
total
3 061
25 568
-
-
Income
149 000
149 000
149 000
149 000
Total tax
100 191
58 348
11 572
46 029
After tax
48 809
90 652
137 428
102 971
Living cost
37 956
37 956
37 956
37 956
Free-cash
10 853
52 696
99 472
65 015

Estimated living cost  is ₽37956 per week

₽24628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9275
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
₽79787
₽74456
₽75740
₽83061
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
-
-
-
149 000
income
-
-
-
31 086
health
-
-
-
3 799
social contributions
-
-
-
12 772
total
-
-
-
47 657
Employee
60 699
60 699
139 623
-
health
604
1 032
2 374
-
income
6 374
5 619
30 394
-
social contributions
2 950
5 038
6 795
-
total
9 928
11 689
39 563
-
Employer
60 699
60 699
139 623
-
health
658
1 123
2 583
-
social contributions
2 950
5 038
6 795
-
total
3 608
6 161
9 378
-
Corporate
109 862
82 140
-
-
income
13 733
10 267
-
-
total
13 733
10 267
-
-
Dividends
96 129
71 873
-
-
withholding
16 341
12 219
-
-
total
16 341
12 219
-
-
Income
149 000
149 000
149 000
149 000
Total tax
43 610
40 336
48 941
47 657
After tax
105 390
108 664
100 059
101 343
Living cost
25 603
25 603
25 603
25 603
Free-cash
79 787
83 061
74 456
75 740

Estimated living cost  is ₽25603 per week

₽17502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5671
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
₽72192
₽56077
₽69478
₽67703
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
-
-
-
149 000
income
-
-
-
44 221
pensions
-
-
-
7 132
total
-
-
-
51 353
Employee
38 666
-
130 017
-
health
504
-
1 826
-
pensions
2 951
-
8 658
-
income
7 041
-
35 287
-
total
10 496
-
45 771
-
Employer
38 666
-
130 017
-
health
735
-
2 470
-
pensions
3 907
-
16 513
-
total
4 642
-
18 983
-
Corporate
105 693
149 000
-
-
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.

20 082
28 309
-
-
total
20 082
28 309
-
-
Dividends
85 611
120 691
-
-
withholding
13 419
24 819
-
-
total
13 419
24 819
-
-
Income
149 000
149 000
149 000
149 000
Total tax
48 639
53 128
64 754
51 353
After tax
100 361
95 872
84 246
97 647
Living cost
28 169
28 169
28 169
28 169
Free-cash
72 192
67 703
56 077
69 478

Estimated living cost  is ₽28169 per week

₽19324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2590
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.
₽5901
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
₽43446
₽30878
₽37416
₽47037
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
-
-
-
149 000
municipal
-
-
-
996
regional
-
-
-
3 424
social contributions
-
-
-
38 323
national
-
-
-
37 394
total
-
-
-
80 137
Employee
66 517
-
149 000
-
social contributions
22 429
-
50 242
-
regional
1 004
-
3 039
-
national
11 241
-
32 506
-
municipal
397
-
888
-
total
35 071
-
86 675
-
Employer
66 517
-
149 000
-
total
-
-
-
-
Corporate
82 483
149 000
-
-
nationa
19 796
35 760
-
-
municipal
3 976
7 181
-
-
total
23 772
42 941
-
-
Dividends
58 711
106 059
-
-
withholding
15 264
27 575
-
-
total
15 264
27 575
-
-
Income
149 000
149 000
149 000
149 000
Total tax
74 107
70 516
86 675
80 137
After tax
74 893
78 484
62 325
68 863
Living cost
31 447
31 447
31 447
31 447
Free-cash
43 446
47 037
30 878
37 416

Estimated living cost  is ₽31447 per week

₽22089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
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.
₽6718
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
₽9486
₽64598
₽84971
-₽4765
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
-
-
-
149 000
pensions
-
-
-
3 184
income
-
-
-
41 865
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
47 195
Employee
26 480
-
135 007
-
health
3 032
-
15 459
-
pensions
2 982
-
5 838
-
income
3 633
-
32 278
-
total
9 647
-
53 575
-
Employer
26 480
-
135 007
-
pensions
4 306
-
8 430
-
accident
442
-
2 255
-
unemployment
649
-
3 308
-
total
5 397
-
13 993
-
Corporate
117 123
149 000
-
-
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.

105 411
134 100
-
-
total
105 411
134 100
-
-
Dividends
11 712
14 900
-
-
withholding
2 225
2 831
-
-
total
2 225
2 831
-
-
Income
149 000
149 000
149 000
149 000
Total tax
122 680
136 931
67 568
47 195
After tax
26 320
12 069
81 432
101 805
Living cost
16 834
16 834
16 834
16 834
Free-cash
9 486
-4 765
64 598
84 971

Estimated living cost  is ₽16834 per week

₽12338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽3212
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
₽56518
₽63375
₽47260
₽46190
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.

-
-
-
149 000
trade
-
-
-
16 115
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.

-
-
-
47 161
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.

-
-
-
5 393
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.

-
-
-
2 595
total
-
-
-
71 264
Employee

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

39 276
-
149 000
-
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.

5 393
-
5 393
-
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.

3 230
-
47 161
-
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.

178
-
2 595
-
total
8 801
-
55 149
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
109 724
149 000
-
-
income
16 458
22 350
-
-
trade
15 745
21 382
-
-
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.

905
1 230
-
-
chamber of commerce
280
339
-
-
total
33 388
45 301
-
-
Dividends
76 335
103 700
-
-
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.

1 034
1 410
-
-
withholding
18 783
25 624
-
-
total
19 817
27 034
-
-
Income
149 000
149 000
149 000
149 000
Total tax
62 006
72 335
55 149
71 264
After tax
86 994
76 665
93 851
77 736
Living cost
30 476
30 476
30 476
30 476
Free-cash
56 518
46 190
63 375
47 260

Estimated living cost  is ₽30476 per week

₽21023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5731
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
₽96302
₽46857
₽35851
₽102779
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.

-
-
-
149 000
income
-
-
-
28 488
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.

-
-
-
30 244
surtax
-
-
-
37 995
total
-
-
-
96 727
Employee
23 066
-
113 817
-
income
4 106
-
23 687
-
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.

2 538
-
10 348
-
surtax
-
-
16 503
-
total
6 644
-
50 538
-
Employer
23 066
-
113 817
-
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.

5 556
-
22 663
-
surtax
-
-
12 520
-
total
5 556
-
35 183
-
Corporate
120 378
149 000
-
-
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%.

24 076
29 799
-
-
total
24 076
29 799
-
-
Dividends

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

96 303
119 201
-
-
total
-
-
-
-
Income
149 000
149 000
149 000
149 000
Total tax
36 276
29 799
85 721
96 727
After tax
112 724
119 201
63 279
52 273
Living cost
16 422
16 422
16 422
16 422
Free-cash
96 302
102 779
46 857
35 851

Estimated living cost  is ₽16422 per week

₽10477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
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.
₽4009
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
₽81600
₽80648
₽81343
₽83206
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
-
-
-
149 000
income
-
-
-
45 594
health
-
-
-
5 167
pensions
-
-
-
7 126
total
-
-
-
57 887
Employee
14 880
-
140 983
-
health
744
-
1 782
-
unemployment
149
-
356
-
pensions
1 339
-
3 207
-
income
2 879
-
45 220
-
total
5 111
-
50 565
-
Employer
14 880
-
140 983
-
health
1 414
-
3 385
-
pensions
1 637
-
3 919
-
unemployment
298
-
713
-
total
3 349
-
8 017
-
Corporate
130 772
149 000
-
-
income
28 770
32 780
-
-
total
28 770
32 780
-
-
Dividends
102 002
116 220
-
-
withholding
20 400
23 244
-
-
total
20 400
23 244
-
-
Income
149 000
149 000
149 000
149 000
Total tax
57 630
56 024
58 582
57 887
After tax
91 370
92 976
90 418
91 113
Living cost
9 770
9 770
9 770
9 770
Free-cash
81 600
83 206
80 648
81 343

Estimated living cost  is ₽9770 per week

₽5806
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
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.
₽2948
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
₽73481
₽47819
₽52647
₽75992
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
-
-
-
149 000
pensions
-
-
-
21 071
unemployment
-
-
-
180
income
-
-
-
43 037
other
-
-
-
-
health
-
-
-
7 479
surtax
-
-
-
6 856
total
-
-
-
78 623
Employee
26 583
-
126 824
-
health
679
-
2 686
-
unemployment
1 850
-
7 333
-
pensions
1 774
-
7 027
-
income
4 456
-
38 315
-
other
-
-
-
-
surtax
94
-
5 913
-
total
8 853
-
61 274
-
Employer
26 583
-
126 824
-
health
1 209
-
4 794
-
pensions
3 544
-
14 044
-
unemployment
843
-
3 339
-
other
-
-
-
-
total
5 596
-
22 177
-
Corporate
116 820
149 000
-
-
income
30 373
38 739
-
-
total
30 373
38 739
-
-
Dividends
86 447
110 261
-
-
withholding
12 967
16 539
-
-
total
12 967
16 539
-
-
Income
149 000
149 000
149 000
149 000
Total tax
57 789
55 278
83 451
78 623
After tax
91 211
93 722
65 549
70 377
Living cost
17 730
17 730
17 730
17 730
Free-cash
73 481
75 992
47 819
52 647

Estimated living cost  is ₽17730 per week

₽10705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1541
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽5074
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
₽56855
₽14220
₽51473
₽57247
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
-
-
-
149 000
pensions
-
-
-
17 061
chamber of commerce
-
-