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
₽ 149500
per

Your estimated
City
free-cash

Valencia , Spain
₽74580
₽59010
₽62288
₽78030
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
-
-
-
149 500
unemployment
-
-
-
507
income
-
-
-
44 015
other
-
-
-
73
accident
-
-
-
652
pensions
-
-
-
20 487
total
-
-
-
65 734
Employee
28 881
-
126 420
-
unemployment
448
-
1 122
-
pensions
1 358
-
3 403
-
income
5 568
-
41 334
-
other
28
-
73
-
total
7 402
-
45 932
-
Employer
28 881
-
126 420
-
pensions
6 815
-
17 086
-
accident
572
-
1 433
-
unemployment
1 589
-
3 981
-
other
231
-
580
-
total
9 207
-
23 080
-
Corporate
111 412
149 500
-
-
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.

16 712
22 424
-
-
total
16 712
22 424
-
-
Dividends
94 700
127 076
-
-
withholding
20 121
27 568
-
-
total
20 121
27 568
-
-
Income
149 500
149 500
149 500
149 500
Total tax
53 442
49 992
69 012
65 734
After tax
96 058
99 508
80 488
83 766
Living cost
21 478
21 478
21 478
21 478
Free-cash
74 580
78 030
59 010
62 288

Estimated living cost  is ₽21478 per week

₽14498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2065
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽4540
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
₽83751
₽63792
₽65088
₽89025
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
-
-
-
149 500
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.

-
-
-
28 506
income
-
-
-
24 227
other
-
-
-
5 641
health
-
-
-
5 226
total
-
-
-
63 600
Employee
28 360
-
119 564
-
health
397
-
1 663
-
unemployment
283
-
1 187
-
pensions

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

1 985
-
8 314
-
income
4 882
-
23 796
-
total
7 547
-
34 960
-
Employer
28 360
-
119 564
-
health
397
-
1 663
-
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.

4 822
-
20 192
-
accident
227
-
956
-
unemployment
283
-
1 187
-
other
1 418
-
5 938
-
total
7 147
-
29 936
-
Corporate
113 993
149 500
-
-
income
23 939
31 395
-
-
total
23 939
31 395
-
-
Dividends
90 054
118 105
-
-
withholding
6 304
8 268
-
-
total
6 304
8 268
-
-
Income
149 500
149 500
149 500
149 500
Total tax
44 937
39 663
64 896
63 600
After tax
104 563
109 837
84 604
85 900
Living cost
20 812
20 812
20 812
20 812
Free-cash
83 751
89 025
63 792
65 088

Estimated living cost  is ₽20812 per week

₽14705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽335
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.
₽4367
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
₽113942
₽115526
₽109536
₽117573
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
-
-
-
149 500
pensions

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

-
-
-
4 041
unemployment
-
-
-
109
income
-
-
-
22 425
health
-
-
-
3 140
total
-
-
-
29 715
Employee
13 571
-
144 143
-
health
624
-
1 256
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
pensions

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

1 192
-
2 398
-
income
1 357
-
14 414
-
total
3 322
-
18 368
-
Employer
13 571
-
144 143
-
health
937
-
1 884
-
pensions

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

1 496
-
3 009
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
unemployment
81
-
164
-
total
2 663
-
5 357
-
Corporate
133 266
149 500
-
-
income
13 327
14 950
-
-
total
13 327
14 950
-
-
Dividends
119 939
134 550
-
-
withholding
5 997
6 728
-
-
total
5 997
6 728
-
-
Income
149 500
149 500
149 500
149 500
Total tax
25 309
21 678
23 725
29 715
After tax
124 191
127 822
125 775
119 785
Living cost
10 249
10 249
10 249
10 249
Free-cash
113 942
117 573
115 526
109 536

Estimated living cost  is ₽10249 per week

₽5984
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽732
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3262
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
₽53237
₽54079
₽57333
₽48625
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
-
-
-
149 500
income
-
-
-
24 336
other
-
-
-
4 635
health
-
-
-
6 694
social contributions
-
-
-
4 258
pensions
-
-
-
25 521
surtax
-
-
-
-
total
-
-
-
65 444
Employee
33 428
-
115 179
-
pensions
3 780
-
8 228
-
income
1 973
-
22 870
-
social contributions
953
-
3 282
-
surtax
-
-
-
-
total
6 706
-
34 380
-
Employer
33 428
-
115 179
-
health
2 340
-
10 914
-
social contributions
101
-
345
-
pensions
5 492
-
13 809
-
unemployment
1 353
-
4 665
-
other
1 153
-
4 585
-
total
10 439
-
34 318
-
Corporate
105 632
149 500
-
-
income
29 578
41 859
-
-
surtax
-
-
-
-
total
29 578
41 859
-
-
Dividends
76 055
107 641
-
-
social contributions
13 082
18 514
-
-
surtax
-
-
-
-
withholding
9 735
13 779
-
-
total
22 817
32 293
-
-
Income
149 500
149 500
149 500
149 500
Total tax
69 540
74 152
68 698
65 444
After tax
79 960
75 348
80 802
84 056
Living cost
26 723
26 723
26 723
26 723
Free-cash
53 237
48 625
54 079
57 333

Estimated living cost  is ₽26723 per week

₽16850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2173
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7247
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
₽36689
₽61978
₽48988
₽41476
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
-
-
-
149 500
pensions
-
-
-
9 151
income
-
-
-
49 010
health
-
-
-
9 631
total
-
-
-
67 792
Employee
66 700
66 700
134 985
-
health
10 238
8 708
9 631
-
pensions
12 006
9 151
9 151
-
income

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

10 918
10 918
21 505
-
total
33 162
28 777
40 287
-
Employer
66 700
66 700
134 985
-
health
4 636
4 636
5 761
-
pensions
4 642
4 642
5 770
-
unemployment
2 401
2 401
2 984
-
total
11 679
11 679
14 515
-
Corporate
71 939
71 120
-
-
income
14 388
14 223
-
-
total
14 388
14 223
-
-
Dividends
57 551
56 897
-
-
income
12 230
12 090
-
-
withholding
8 632
8 535
-
-
total
20 862
20 625
-
-
Income
149 500
149 500
149 500
149 500
Total tax
80 091
75 304
54 802
67 792
After tax
69 409
74 196
94 698
81 708
Living cost
32 720
32 720
32 720
32 720
Free-cash
36 689
41 476
61 978
48 988

Estimated living cost  is ₽32720 per week

₽23188
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
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.
₽6062
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
₽60364
₽70358
₽52531
₽51727
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.

-
-
-
149 500
trade
-
-
-
17 827
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.

-
-
-
47 533
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.

-
-
-
5 336
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.

-
-
-
2 615
total
-
-
-
73 311
Employee

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

29 874
-
149 500
-
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.

5 336
-
5 336
-
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.

834
-
47 533
-
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
-
2 615
-
total
6 216
-
55 484
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
119 626
149 500
-
-
income
17 944
22 424
-
-
trade
18 840
23 546
-
-
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.

987
1 233
-
-
chamber of commerce
291
333
-
-
total
38 062
47 536
-
-
Dividends
81 564
101 962
-
-
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.

1 106
1 386
-
-
withholding
20 094
25 193
-
-
total
21 200
26 579
-
-
Income
149 500
149 500
149 500
149 500
Total tax
65 478
74 115
55 484
73 311
After tax
84 022
75 385
94 016
76 189
Living cost
23 658
23 658
23 658
23 658
Free-cash
60 364
51 727
70 358
52 531

Estimated living cost  is ₽23658 per week

₽14881
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2758
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.
₽5576
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
₽86689
₽82221
₽83502
₽90937
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
-
-
-
149 500
income
-
-
-
31 465
health
-
-
-
3 812
social contributions
-
-
-
12 637
total
-
-
-
47 914
Employee
60 060
60 060
140 183
-
health
465
1 021
2 383
-
income
6 540
5 560
30 772
-
social contributions
2 271
4 985
6 723
-
total
9 276
11 566
39 878
-
Employer
60 060
60 060
140 183
-
health
505
1 112
2 594
-
social contributions
2 271
4 985
6 723
-
total
2 776
6 097
9 317
-
Corporate
119 364
83 343
-
-
income
14 920
10 419
-
-
total
14 920
10 419
-
-
Dividends
104 444
72 925
-
-
withholding
17 755
12 397
-
-
total
17 755
12 397
-
-
Income
149 500
149 500
149 500
149 500
Total tax
44 727
40 479
49 195
47 914
After tax
104 773
109 021
100 305
101 586
Living cost
18 084
18 084
18 084
18 084
Free-cash
86 689
90 937
82 221
83 502

Estimated living cost  is ₽18084 per week

₽10838
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1774
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽400
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.
₽5072
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
₽59750
₽43467
₽54801
₽60536
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.

-
-
-
149 500
income
-
-
-
18 248
social contributions

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

-
-
-
51 952
surtax
-
-
-
-
total
-
-
-
70 200
Employee
35 923
-
120 807
-
income
7 472
-
39 555
-
social contributions
3 952
-
13 288
-
surtax
-
-
-
-
total
11 424
-
52 843
-
Employer
35 923
-
120 807
-
social contributions
8 532
-
28 691
-
total
8 532
-
28 691
-
Corporate
105 045
149 500
-
-
income
22 060
31 395
-
-
surtax
-
-
-
-
total
22 060
31 395
-
-
Dividends
82 986
118 105
-
-
withholding
23 235
33 070
-
-
total
23 235
33 070
-
-
Income
149 500
149 500
149 500
149 500
Total tax
65 251
64 465
81 534
70 200
After tax
84 249
85 035
67 966
79 300
Living cost
24 499
24 499
24 499
24 499
Free-cash
59 750
60 536
43 467
54 801

Estimated living cost  is ₽24499 per week

₽18331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4315
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
₽135089
₽113759
₽142164
₽136184
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%.

-
-
-
149 500
microenterprise

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

-
-
-
1 495
total
-
-
-
1 495
Employee
7 301
-
149 500
-
income
1 460
-
29 900
-
total
1 460
-
29 900
-
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%.

142 199
149 500
-
-
total
-
-
-
-
Dividends
142 199
149 500
-
-
withholding
7 110
7 475
-
-
total
7 110
7 475
-
-
Income
149 500
149 500
149 500
149 500
Total tax
8 570
7 475
29 900
1 495
After tax
140 930
142 025
119 600
148 005
Living cost
5 841
5 841
5 841
5 841
Free-cash
135 089
136 184
113 759
142 164

Estimated living cost  is ₽5841 per week

₽3620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽161
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.
₽1575
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
₽75447
₽47501
₽51224
₽81980
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.

-
-
-
149 500
pensions
-
-
-
27 302
unemployment
-
-
-
224
income
-
-
-
35 089
health
-
-
-
14 711
total
-
-
-
77 326
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.

34 539
-
129 360
-
health
2 231
-
8 357
-
unemployment
49
-
181
-
pensions
5 354
-
20 051
-
income
5 956
-
32 319
-
total
13 590
-
60 908
-
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.

34 539
-
129 360
-
health
2 300
-
8 615
-
pensions
3 056
-
11 449
-
unemployment
21
-
77
-
total
5 377
-
20 141
-
Corporate
109 584
149 500
-
-
income
20 821
28 405
-
-
total
20 821
28 405
-
-
Dividends
88 763
121 095
-
-
withholding
13 315
18 165
-
-
total
13 315
18 165
-
-
Income
149 500
149 500
149 500
149 500
Total tax
53 103
46 570
81 049
77 326
After tax
96 397
102 930
68 451
72 174
Living cost
20 950
20 950
20 950
20 950
Free-cash
75 447
81 980
47 501
51 224

Estimated living cost  is ₽20950 per week

₽14378
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1343
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.
₽4825
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
₽67426
₽77217
₽93734
₽64696
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.

-
-
-
149 500
income
-
-
-
22 424
health

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

-
-
-
4 989
total
-
-
-
27 413
Employee
35 831
-
145 907
-
social contributions
3 590
-
3 593
-
income
3 888
-
36 744
-
total
7 478
-
40 337
-
Employer
35 831
-
145 907
-
social contributions
3 590
-
3 593
-
total
3 590
-
3 593
-
Corporate
110 079
149 500
-
-
income
38 527
52 325
-
-
total
38 527
52 325
-
-
Dividends
71 552
97 175
-
-
social contributions
4 126
4 126
-
-
total
4 126
4 126
-
-
Income
149 500
149 500
149 500
149 500
Total tax
53 721
56 451
43 930
27 413
After tax
95 779
93 049
105 570
122 087
Living cost
28 353
28 353
28 353
28 353
Free-cash
67 426
64 696
77 217
93 734

Estimated living cost  is ₽28353 per week

₽18676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2235
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.
₽7006
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
₽75052
₽76013
₽79448
₽74647
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
-
-
-
149 500
income
-
-
-
22 424
health
-
-
-
10 435
social contributions
-
-
-
20 631
total
-
-
-
53 490
Employee
26 483
-
149 500
-
health
1 848
-
10 435
-
income
4 417
-
25 859
-
social contributions
3 655
-
20 631
-
total
9 920
-
56 925
-
Employer
26 483
-
149 500
-
total
-
-
-
-
Corporate
123 017
149 500
-
-
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%.

6 151
7 475
-
-
total
6 151
7 475
-
-
Dividends
116 866
142 025
-
-
social contributions
16 128
19 599
-
-
withholding
17 530
21 304
-
-
health
8 157
9 913
-
-
total
41 815
50 816
-
-
Income
149 500
149 500
149 500
149 500
Total tax
57 886
58 291
56 925
53 490
After tax
91 614
91 209
92 575
96 010
Living cost
16 562
16 562
16 562
16 562
Free-cash
75 052
74 647
76 013
79 448

Estimated living cost  is ₽16562 per week

₽11084
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1021
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽381
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.
₽4075
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
₽73238
₽58800
₽65175
₽81046
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
-
-
-
149 500
income
-
-
-
15 564
health
-
-
-
20 183
social contributions
-
-
-
25 556
solidarity contribution
-
-
-
1 137
total
-
-
-
62 440
Employee
32 184
-
117 082
-
health
4 345
-
15 806
-
solidarity contribution
-
-
565
-
income
3 862
-
14 338
-
social contributions
2 092
-
5 689
-
total
10 299
-
36 398
-
Employer
32 184
-
117 082
-
health
2 897
-
10 537
-
social contributions
8 046
-
21 880
-
total
10 943
-
32 417
-
Corporate
106 374
149 500
-
-
income
20 211
28 405
-
-
total
20 211
28 405
-
-
Dividends
86 163
121 095
-
-
withholding
12 924
18 164
-
-
total
12 924
18 164
-
-
Income
149 500
149 500
149 500
149 500
Total tax
54 377
46 569
68 815
62 440
After tax
95 123
102 931
80 685
87 060
Living cost
21 885
21 885
21 885
21 885
Free-cash
73 238
81 046
58 800
65 175

Estimated living cost  is ₽21885 per week

₽16275
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1212
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽4019
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
₽131216
₽110498
₽138903
₽132923
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%.

-
-
-
149 500
microenterprise

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

-
-
-
1 495
total
-
-
-
1 495
Employee
11 377
-
149 500
-
income
2 276
-
29 900
-
total
2 276
-
29 900
-
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%.

138 123
149 500
-
-
total
-
-
-
-
Dividends
138 123
149 500
-
-
withholding
6 906
7 475
-
-
total
6 906
7 475
-
-
Income
149 500
149 500
149 500
149 500
Total tax
9 182
7 475
29 900
1 495
After tax
140 318
142 025
119 600
148 005
Living cost
9 102
9 102
9 102
9 102
Free-cash
131 216
132 923
110 498
138 903

Estimated living cost  is ₽9102 per week

₽6159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽382
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽305
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.
₽2255
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
₽42993
₽43078
₽46332
₽37624
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
-
-
-
149 500
income
-
-
-
24 336
other
-
-
-
4 635
health
-
-
-
6 694
social contributions
-
-
-
4 258
pensions
-
-
-
25 521
surtax
-
-
-
-
total
-
-
-
65 444
Employee
48 920
-
115 179
-
pensions
5 533
-
8 228
-
income
4 268
-
22 870
-
social contributions
1 393
-
3 282
-
surtax
-
-
-
-
total
11 194
-
34 380
-
Employer
48 920
-
115 179
-
health
3 424
-
10 914
-
social contributions
147
-
345
-
pensions
8 038
-
13 809
-
unemployment
1 982
-
4 665
-
other
1 688
-
4 585
-
total
15 279
-
34 318
-
Corporate
85 302
149 500
-
-
income
23 884
41 859
-
-
surtax
-
-
-
-
total
23 884
41 859
-
-
Dividends
61 417
107 641
-
-
social contributions
10 564
18 514
-
-
surtax
-
-
-
-
withholding
7 862
13 779
-
-
total
18 426
32 293
-
-
Income
149 500
149 500
149 500
149 500
Total tax
68 783
74 152
68 698
65 444
After tax
80 717
75 348
80 802
84 056
Living cost
37 724
37 724
37 724
37 724
Free-cash
42 993
37 624
43 078
46 332

Estimated living cost  is ₽37724 per week

₽25531
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8589
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
₽90730
₽80183
₽80182
₽94558
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.

-
-
-
149 500
pensions
-
-
-
14 951
unemployment
-
-
-
863
income
-
-
-
34 125
health
-
-
-
5 923
total
-
-
-
55 862
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.

20 291
-
139 207
-
health
1 045
-
2 961
-
unemployment
152
-
431
-
pensions
2 841
-
8 051
-
income
2 797
-
34 125
-
total
6 835
-
45 568
-
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.

20 291
-
139 207
-
health
1 045
-
2 961
-
pensions
2 435
-
6 901
-
unemployment
152
-
431
-
total
3 632
-
10 293
-
Corporate
125 576
149 500
-
-
income
18 836
22 425
-
-
total
18 836
22 425
-
-
Dividends
106 740
127 075
-
-
withholding
16 011
19 061
-
-
total
16 011
19 061
-
-
Income
149 500
149 500
149 500
149 500
Total tax
45 314
41 486
55 861
55 862
After tax
104 186
108 014
93 639
93 638
Living cost
13 456
13 456
13 456
13 456
Free-cash
90 730
94 558
80 183
80 182

Estimated living cost  is ₽13456 per week

₽9060
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1041
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽389
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.
₽2966
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
₽37626
₽59548
₽65334
₽14638
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
-
-
-
149 500
pensions
-
-
-
13 754
city
-
-
-
1 576
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.

-
-
-
2 990
health
-
-
-
337
regional
-
-
-
8 187
national
-
-
-
3 598
total
-
-
-
30 442
Employee
62 871
-
134 362
-
health
142
-
302
-
unemployment
-
-
-
-
city
675
-
1 450
-
pensions
5 282
-
10 670
-
regional
2 059
-
7 241
-
national
298
-
2 906
-
total
8 456
-
22 569
-
Employer
62 871
-
134 362
-
health
142
-
302
-
pensions
5 282
-
10 670
-
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
-
2 687
-
total
6 681
-
13 659
-
Corporate
79 256
149 500
-
-
regional
16 762
31 619
-
-
national
6 736
12 707
-
-
total
23 498
44 326
-
-
Dividends
55 757
105 174
-
-
withholding
19 515
36 812
-
-
total
19 515
36 812
-
-
Income
149 500
149 500
149 500
149 500
Total tax
58 150
81 138
36 228
30 442
After tax
91 350
68 362
113 272
119 058
Living cost
53 724
53 724
53 724
53 724
Free-cash
37 626
14 638
59 548
65 334

Estimated living cost  is ₽53724 per week

₽34936
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
₽65201
₽47583
₽64707
₽62954
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

-
-
-
149 500
municipal
-
-
-
26 554
health
-
-
-
1 976
national
-
-
-
26 276
total
-
-
-
54 806
Employee
41 093
-
125 767
-
health
307
-
1 611
-
unemployment
617
-
1 887
-
pensions
2 773
-
8 489
-
national
679
-
15 730
-
municipal
6 731
-
20 480
-
total
11 107
-
48 197
-
Employer
41 093
-
125 767
-
health
316
-
968
-
pensions
7 129
-
21 821
-
accident
42
-
126
-
unemployment
267
-
818
-
total
7 754
-
23 733
-
Corporate
100 653
149 500
-
-
income
20 130
29 899
-
-
total
20 130
29 899
-
-
Dividends

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

60 392
89 701
-
-
municipal
10 871
16 146
-
-
national
4 450
10 514
-
-
total
15 321
26 660
-
-
Income
149 500
149 500
149 500
149 500
Total tax
54 312
56 559
71 930
54 806
After tax
95 188
92 941
77 570
94 694
Living cost
29 987
29 987
29 987
29 987
Free-cash
65 201
62 954
47 583
64 707

Estimated living cost  is ₽29987 per week

₽19587
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7039
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
₽43392
₽23495
₽36413
₽55025
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
-
-
-
149 500
communal

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

-
-
-
7 801
social contributions
-
-
-
19 473
national
-
-
-
57 334
total
-
-
-
84 608
Employee

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

55 870
-
115 790
-
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.

2 625
-
5 441
-
communal

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

2 914
-
6 040
-
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.

486
-
1 008
-
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.

4 190
-
8 684
-
national
17 177
-
42 649
-
total
27 392
-
63 822
-
Employer

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

55 870
-
115 790
-
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.

3 436
-
7 122
-
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.

4 951
-
10 258
-
surtax
6 335
-
13 129
-
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.

726
-
1 504
-
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.

815
-
1 691
-
total
16 263
-
33 704
-
Corporate
77 367
149 500
-
-
income
15 473
30 015
-
-
surtax
310
600
-
-
total
15 783
30 615
-
-
Dividends
61 584
118 885
-
-
withholding

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

18 191
35 381
-
-
total
18 191
35 381
-
-
Income
149 500
149 500
149 500
149 500
Total tax
77 629
65 996
97 526
84 608
After tax
71 871
83 504
51 974
64 892
Living cost
28 479
28 479
28 479
28 479
Free-cash
43 392
55 025
23 495
36 413

Estimated living cost  is ₽28479 per week

₽18344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2490
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.
₽7199
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
₽47206
₽42229
₽43046
₽47961
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
-
-
-
149 500
unemployment
-
-
-
74
municipal
-
-
-
38 207
other
-
-
-
8 574
health
-
-
-
4 604
national
-
-
-
13 205
accident
-
-
-
148
pensions
-
-
-
7 976
total
-
-
-
72 788
Employee
47 971
-
126 317
-
national
-
-
12 753
-
municipal
14 305
-
37 668
-
total
14 305
-
50 421
-
Employer
47 971
-
126 317
-
health
2 950
-
4 538
-
pensions
5 186
-
7 976
-
accident
96
-
148
-
unemployment
1 266
-
1 948
-
other
5 574
-
8 574
-
total
15 072
-
23 184
-
Corporate
86 457
149 500
-
-
income
19 020
32 890
-
-
total
19 020
32 890
-
-
Dividends
67 436
116 610
-
-
withholding
20 231
34 983
-
-
total
20 231
34 983
-
-
Income
149 500
149 500
149 500
149 500
Total tax
68 628
67 873
73 605
72 788
After tax
80 872
81 627
75 895
76 712
Living cost
33 666
33 666
33 666
33 666
Free-cash
47 206
47 961
42 229
43 046

Estimated living cost  is ₽33666 per week

₽22312
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3304
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7539
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
₽12879
₽101041
₽66179
₽53819
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
-
-
-
149 500
income
-
-
-
29 141
social contributions
-
-
-
17 043
total
-
-
-
46 184
Employee
53 249
-
-
-
income
11 746
-
-
-
social contributions
4 366
-
622
-
total
16 112
-
622
-
Employer
53 249
-
-
-
social contributions
75 081
-
10 700
-
total
75 081
-
10 700
-
Corporate
21 171
149 500
-
-
income
4 658
32 890
-
-
total
4 658
32 890
-
-
Dividends
16 513
116 610
-
-
income
3 633
25 654
-
-
total
3 633
25 654
-
-
Income
149 500
149 500
149 500
149 500
Total tax
99 484
58 544
11 322
46 184
After tax
50 016
90 956
138 178
103 316
Living cost
37 137
37 137
37 137
37 137
Free-cash
12 879
53 819
101 041
66 179

Estimated living cost  is ₽37137 per week

₽24096
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3493
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9075
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
₽80450
₽74971
₽76252
₽83687
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
-
-
-
149 500
income
-
-
-
31 465
health
-
-
-
3 812
social contributions
-
-
-
12 637
total
-
-
-
47 914
Employee
60 060
60 060
140 183
-
health
597
1 021
2 383
-
income
6 307
5 560
30 772
-
social contributions
2 918
4 985
6 723
-
total
9 822
11 566
39 878
-
Employer
60 060
60 060
140 183
-
health
651
1 112
2 594
-
social contributions
2 918
4 985
6 723
-
total
3 569
6 097
9 317
-
Corporate
110 774
83 343
-
-
income
13 847
10 419
-
-
total
13 847
10 419
-
-
Dividends
96 927
72 925
-
-
withholding
16 478
12 397
-
-
total
16 478
12 397
-
-
Income
149 500
149 500
149 500
149 500
Total tax
43 716
40 479
49 195
47 914
After tax
105 784
109 021
100 305
101 586
Living cost
25 334
25 334
25 334
25 334
Free-cash
80 450
83 687
74 971
76 252

Estimated living cost  is ₽25334 per week

₽17318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1979
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5612
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
₽72513
₽56423
₽69863
₽68044
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
-
-
-
149 500
income
-
-
-
44 488
pensions
-
-
-
7 121
total
-
-
-
51 609
Employee
38 473
-
130 444
-
health
502
-
1 827
-
pensions
2 936
-
8 637
-
income
7 006
-
35 529
-
total
10 444
-
45 993
-
Employer
38 473
-
130 444
-
health
731
-
2 478
-
pensions
3 887
-
16 578
-
total
4 618
-
19 056
-
Corporate
106 409
149 500
-
-
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.

20 218
28 405
-
-
total
20 218
28 405
-
-
Dividends
86 192
121 095
-
-
withholding
13 679
25 023
-
-
total
13 679
25 023
-
-
Income
149 500
149 500
149 500
149 500
Total tax
48 959
53 428
65 049
51 609
After tax
100 541
96 072
84 451
97 891
Living cost
28 028
28 028
28 028
28 028
Free-cash
72 513
68 044
56 423
69 863

Estimated living cost  is ₽28028 per week

₽19227
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2577
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.
₽5871
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
₽44076
₽31303
₽37867
₽47630
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
-
-
-
149 500
municipal
-
-
-
999
regional
-
-
-
3 437
social contributions
-
-
-
38 452
national
-
-
-
37 629
total
-
-
-
80 517
Employee
65 817
-
149 500
-
social contributions
22 193
-
50 412
-
regional
994
-
3 051
-
national
11 123
-
32 726
-
municipal
393
-
892
-
total
34 703
-
87 081
-
Employer
65 817
-
149 500
-
total
-
-
-
-
Corporate
83 683
149 500
-
-
nationa
20 084
35 880
-
-
municipal
4 033
7 207
-
-
total
24 117
43 087
-
-
Dividends
59 565
106 413
-
-
withholding
15 488
27 667
-
-
total
15 488
27 667
-
-
Income
149 500
149 500
149 500
149 500
Total tax
74 308
70 754
87 081
80 517
After tax
75 192
78 746
62 419
68 983
Living cost
31 116
31 116
31 116
31 116
Free-cash
44 076
47 630
31 303
37 867

Estimated living cost  is ₽31116 per week

₽21857
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
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.
₽6648
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
₽9522
₽64845
₽85279
-₽4758
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
-
-
-
149 500
pensions
-
-
-
3 190
income
-
-
-
42 013
other
-
-
-
284
health
-
-
-
1 672
accident
-
-
-
194
total
-
-
-
47 353
Employee
26 534
-
135 472
-
health
3 038
-
15 511
-
pensions
2 988
-
5 850
-
income
3 640
-
32 398
-
total
9 666
-
53 759
-
Employer
26 534
-
135 472
-
pensions
4 315
-
8 447
-
accident
443
-
2 262
-
unemployment
650
-
3 319
-
total
5 408
-
14 028
-
Corporate
117 558
149 500
-
-
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.

105 802
134 550
-
-
total
105 802
134 550
-
-
Dividends
11 756
14 950
-
-
withholding
2 234
2 840
-
-
total
2 234
2 840
-
-
Income
149 500
149 500
149 500
149 500
Total tax
123 110
137 390
67 787
47 353
After tax
26 390
12 110
81 713
102 147
Living cost
16 868
16 868
16 868
16 868
Free-cash
9 522
-4 758
64 845
85 279

Estimated living cost  is ₽16868 per week

₽12363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽935
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.
₽3219
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
₽56984
₽63861
₽47619
₽46766
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.

-
-
-
149 500
trade
-
-
-
16 242
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.

-
-
-
47 533
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.

-
-
-
5 336
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.

-
-
-
2 615
total
-
-
-
71 726
Employee

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

38 863
-
149 500
-
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.

5 336
-
5 336
-
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.

3 196
-
47 533
-
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.

176
-
2 615
-
total
8 708
-
55 484
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
110 637
149 500
-
-
income
16 595
22 424
-
-
trade
15 876
21 454
-
-
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.

913
1 233
-
-
chamber of commerce
280
338
-
-
total
33 664
45 449
-
-
Dividends
76 973
104 051
-
-
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.

1 042
1 414
-
-
withholding
18 947
25 716
-
-
total
19 989
27 130
-
-
Income
149 500
149 500
149 500
149 500
Total tax
62 361
72 579
55 484
71 726
After tax
87 139
76 921
94 016
77 774
Living cost
30 155
30 155
30 155
30 155
Free-cash
56 984
46 766
63 861
47 619

Estimated living cost  is ₽30155 per week

₽20801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3245
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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

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
₽96943
₽47372
₽36364
₽103352
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.

-
-
-
149 500
income
-
-
-
28 838
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.

-
-
-
29 926
surtax
-
-
-
38 123
total
-
-
-
96 887
Employee
22 823
-
114 483
-
income
4 063
-
24 024
-
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.

2 511
-
10 239
-
surtax
-
-
16 599
-
total
6 574
-
50 862
-
Employer
22 823
-
114 483
-
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.

5 498
-
22 424
-
surtax
-
-
12 593
-
total
5 498
-
35 017
-
Corporate
121 179
149 500
-
-
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%.

24 236
29 899
-
-
total
24 236
29 899
-
-
Dividends

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

96 944
119 601
-
-
total
-
-
-
-
Income
149 500
149 500
149 500
149 500
Total tax
36 308
29 899
85 879
96 887
After tax
113 192
119 601
63 621
52 613
Living cost
16 249
16 249
16 249
16 249
Free-cash
96 943
103 352
47 372
36 364

Estimated living cost  is ₽16249 per week

₽10367
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽369
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.
₽3966
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
₽81789
₽80797
₽81498
₽83411
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
-
-
-
149 500
income
-
-
-
45 697
health
-
-
-
5 223
pensions
-
-
-
7 205
total
-
-
-
58 125
Employee
15 044
-
141 395
-
health
752
-
1 801
-
unemployment
150
-
360
-
pensions
1 354
-
3 242
-
income
2 910
-
45 319
-
total
5 166
-
50 722
-
Employer
15 044
-
141 395
-
health
1 429
-
3 422
-
pensions
1 655
-
3 962
-
unemployment
301
-
720
-
total
3 385
-
8 104
-
Corporate
131 071
149 500
-
-
income
28 836
32 890
-
-
total
28 836
32 890
-
-
Dividends
102 236
116 610
-
-
withholding
20 447
23 322
-
-
total
20 447
23 322
-
-
Income
149 500
149 500
149 500
149 500
Total tax
57 834
56 212
58 826
58 125
After tax
91 666
93 288
90 674
91 375
Living cost
9 877
9 877
9 877
9 877
Free-cash
81 789
83 411
80 797
81 498

Estimated living cost  is ₽9877 per week

₽5870
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽226
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.
₽2981
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
₽74008
₽48268
₽53042
₽76491
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
-
-
-
149 500
pensions
-
-
-
20 849
unemployment
-
-
-
178
income
-
-
-
43 515
other
-
-
-
-
health
-
-
-
7 401
surtax
-
-
-
6 971
total
-
-
-
78 914
Employee
26 303
-
127 557
-
health
671
-
2 658
-
unemployment
1 831
-
7 255
-
pensions
1 755
-
6 953
-
income
4 410
-
38 843
-
other
-
-
-
-
surtax
93
-
6 036
-
total
8 760
-
61 745
-
Employer
26 303
-
127 557
-
health
1 196
-
4 743
-
pensions
3 507
-
13 896
-
unemployment
834
-
3 304
-
other
-
-
-
-
total
5 537
-
21 943
-
Corporate
117 659
149 500
-
-
income
30 591
38 870
-
-
total
30 591
38 870
-
-
Dividends
87 067
110 630
-
-
withholding
13 060
16 595
-
-
total
13 060
16 595
-
-
Income
149 500
149 500
149 500
149 500
Total tax
57 948
55 465
83 688
78 914
After tax
91 552
94 035
65 812
70 586
Living cost
17 544
17 544
17 544
17 544
Free-cash
74 008
76 491
48 268
53 042

Estimated living cost  is ₽17544 per week

₽10592
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1525
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5020
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
₽57382
₽14589
₽51998
₽57767
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
-
-
-
149 500
pensions
-
-
-
16 881
chamber of commerce
-
-