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
₽ 15000
per

Your estimated
City
free-cash

Valencia , Spain
-₽20989
-₽16508
-₽13810
-₽27704
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
-
-
-
15 000
income
-
-
-
1 777
accident
-
-
-
170
unemployment
-
-
-
131
pensions
-
-
-
5 330
other
-
-
-
18
total
-
-
-
7 426
Employee
32 381
-
5 677
-
other
32
-
30
-
income
6 243
-
726
-
unemployment
502
-
454
-
pensions
1 522
-
1 374
-
total
8 299
-
2 584
-
Employer
32 381
-
5 677
-
unemployment
1 782
-
1 609
-
pensions
7 641
-
6 902
-
other
259
-
234
-
accident
641
-
578
-
total
10 323
-
9 323
-
Corporate
-
15 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

-
2 250
-
-
total
-
2 250
-
-
Dividends
-
12 750
-
-
withholding
-
2 478
-
-
total
-
2 478
-
-
Income
15 000
15 000
15 000
15 000
Total tax
18 622
4 728
11 907
7 426
After tax
-3 622
10 272
3 093
7 574
Living cost
24 082
24 082
24 082
24 082
Free-cash
-27 704
-13 810
-20 989
-16 508

Estimated living cost  is ₽24082 per week

₽16255
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5090
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
-₽14541
-₽15214
-₽12313
-₽24808
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
-
-
-
15 000
income
-
-
-
1 905
health
-
-
-
660
pensions

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

-
-
-
3 601
other
-
-
-
713
total
-
-
-
6 879
Employee
31 797
-
11 982
-
income
5 474
-
2 062
-
health
445
-
168
-
unemployment
317
-
120
-
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.

2 225
-
838
-
total
8 461
-
3 188
-
Employer
31 797
-
11 982
-
unemployment
317
-
120
-
pensions

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

5 406
-
2 036
-
other
1 590
-
598
-
accident
254
-
96
-
health
445
-
168
-
total
8 012
-
3 018
-
Corporate
-
15 000
-
-
income
-
3 149
-
-
total
-
3 149
-
-
Dividends
-
11 851
-
-
withholding
-
829
-
-
total
-
829
-
-
Income
15 000
15 000
15 000
15 000
Total tax
16 473
3 978
6 206
6 879
After tax
-1 473
11 022
8 794
8 121
Living cost
23 335
23 335
23 335
23 335
Free-cash
-24 808
-12 313
-14 541
-15 214

Estimated living cost  is ₽23335 per week

₽16488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1575
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.
₽4896
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
-₽1967
-₽2694
₽1386
-₽3119
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
-
-
-
15 000
income
-
-
-
2 250
health
-
-
-
1 725
unemployment
-
-
-
60
pensions

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

-
-
-
2 220
total
-
-
-
6 255
Employee
15 146
-
12 539
-
income
1 514
-
1 254
-
health
697
-
576
-
accident

We are using the highest rate at 1.1%.

167
-
138
-
pensions

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

1 330
-
1 101
-
total
3 708
-
3 069
-
Employer
15 146
-
12 539
-
unemployment
91
-
75
-
pensions

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

1 669
-
1 381
-
accident

We are using the highest rate at 1.1%.

167
-
138
-
health
1 045
-
865
-
total
2 972
-
2 459
-
Corporate
-
15 000
-
-
income
-
1 500
-
-
total
-
1 500
-
-
Dividends
-
13 500
-
-
withholding
-
675
-
-
total
-
675
-
-
Income
15 000
15 000
15 000
15 000
Total tax
6 680
2 175
5 528
6 255
After tax
8 320
12 825
9 472
8 745
Living cost
11 439
11 439
11 439
11 439
Free-cash
-3 119
1 386
-1 967
-2 694

Estimated living cost  is ₽11439 per week

₽6678
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽817
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽303
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.
₽3641
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
-₽20155
-₽21369
-₽22401
-₽34185
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
-
-
-
15 000
income
-
-
-
-
social contributions
-
-
-
427
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
5 281
other
-
-
-
465
total
-
-
-
6 407
Employee
37 480
-
11 429
-
income
2 212
-
-
-
social contributions
1 069
-
326
-
surtax
-
-
-
-
pensions
4 238
-
1 295
-
total
7 519
-
1 621
-
Employer
37 480
-
11 429
-
unemployment
1 517
-
464
-
social contributions
113
-
35
-
pensions
6 157
-
1 880
-
other
1 293
-
394
-
health
2 624
-
799
-
total
11 704
-
3 572
-
Corporate
-
15 000
-
-
income
-
4 200
-
-
surtax
-
-
-
-
total
-
4 200
-
-
Dividends
-
10 800
-
-
withholding
-
1 383
-
-
surtax
-
-
-
-
social contributions
-
1 856
-
-
total
-
3 239
-
-
Income
15 000
15 000
15 000
15 000
Total tax
19 223
7 439
5 193
6 407
After tax
-4 223
7 561
9 807
8 593
Living cost
29 962
29 962
29 962
29 962
Free-cash
-34 185
-22 401
-20 155
-21 369

Estimated living cost  is ₽29962 per week

₽18892
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽8125
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
-₽71962
-₽28038
-₽67046
-₽71962
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
-
-
-
15 000
income
-
-
-
1 349
health
-
-
-
2 302
pensions
-
-
-
2 701
total
-
-
-
6 352
Employee
74 785
74 785
74 785
-
income

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

12 241
12 241
12 241
-
health
11 479
9 764
11 479
-
pensions
13 461
10 260
13 461
-
total
37 181
32 265
37 181
-
Employer
74 785
74 785
74 785
-
unemployment
2 692
2 692
2 692
-
pensions
5 205
5 205
5 205
-
health
5 198
5 198
5 198
-
total
13 095
13 095
13 095
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
15 000
15 000
15 000
15 000
Total tax
50 276
45 360
50 276
6 352
After tax
-35 276
-30 360
-35 276
8 648
Living cost
36 686
36 686
36 686
36 686
Free-cash
-71 962
-67 046
-71 962
-28 038

Estimated living cost  is ₽36686 per week

₽25999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽6797
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
-₽17509
-₽17509
-₽18732
-₽18497
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.

-
-
-
15 000
income

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

-
-
-
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 983
trade
-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
5 983
Employee

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

33 495
-
15 000
-
income

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

936
-
-
-
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.

5 983
-
5 983
-
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.

52
-
-
-
total
6 971
-
5 983
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
15 000
-
-
chamber of commerce
-
155
-
-
income
-
2 250
-
-
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.

-
123
-
-
trade
-
2 363
-
-
total
-
4 891
-
-
Dividends
-
10 109
-
-
withholding
-
2 194
-
-
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.

-
121
-
-
total
-
2 315
-
-
Income
15 000
15 000
15 000
15 000
Total tax
6 971
7 206
5 983
5 983
After tax
8 029
7 794
9 017
9 017
Living cost
26 526
26 526
26 526
26 526
Free-cash
-18 497
-18 732
-17 509
-17 509

Estimated living cost  is ₽26526 per week

₽16685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽6252
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
-₽17424
-₽11318
-₽25079
-₽18789
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
-
-
-
33 292
income
-
-
-
-
social contributions
-
-
-
5 193
health
-
-
-
849
total
-
-
-
6 042
Employee
67 340
67 340
67 340
-
income
7 332
6 234
7 572
-
social contributions
2 546
5 589
1 885
-
health
522
1 145
386
-
total
10 400
12 968
9 843
-
Employer
67 340
67 340
67 340
-
social contributions
2 546
5 589
1 885
-
health
567
1 246
420
-
total
3 113
6 835
2 305
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
15 000
15 000
15 000
15 000
Total tax
13 513
19 803
12 148
6 042
After tax
1 487
-4 803
2 852
8 958
Living cost
20 276
20 276
20 276
20 276
Free-cash
-18 789
-25 079
-17 424
-11 318

Estimated living cost  is ₽20276 per week

₽12152
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5687
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
-₽18244
-₽18557
-₽18937
-₽34844
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.

-
-
-
15 000
income
-
-
-
876
social contributions

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

-
-
-
5 212
surtax
-
-
-
-
total
-
-
-
6 088
Employee
40 277
-
12 122
-
income
8 378
-
1 564
-
social contributions
4 431
-
1 333
-
surtax
-
-
-
-
total
12 809
-
2 897
-
Employer
40 277
-
12 122
-
social contributions
9 566
-
2 878
-
total
9 566
-
2 878
-
Corporate
-
15 000
-
-
income
-
3 149
-
-
surtax
-
-
-
-
total
-
3 149
-
-
Dividends
-
11 851
-
-
withholding
-
3 319
-
-
total
-
3 319
-
-
Income
15 000
15 000
15 000
15 000
Total tax
22 375
6 468
5 775
6 088
After tax
-7 375
8 532
9 225
8 912
Living cost
27 469
27 469
27 469
27 469
Free-cash
-34 844
-18 937
-18 244
-18 557

Estimated living cost  is ₽27469 per week

₽20553
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4838
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
₽5713
₽8562
₽7962
₽6784
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%.

-
-
-
15 000
microenterprise

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

-
-
-
150
total
-
-
-
150
Employee
7 859
-
15 000
-
income
1 572
-
3 000
-
total
1 572
-
3 000
-
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%.

7 141
15 000
-
-
total
-
-
-
-
Dividends
7 141
15 000
-
-
withholding
357
750
-
-
total
357
750
-
-
Income
15 000
15 000
15 000
15 000
Total tax
1 929
750
3 000
150
After tax
13 071
14 250
12 000
14 850
Living cost
6 288
6 288
6 288
6 288
Free-cash
6 784
7 962
5 713
8 562

Estimated living cost  is ₽6288 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1695
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
-₽14996
-₽14450
-₽13162
-₽29755
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.

-
-
-
15 000
income
-
-
-
1 722
health
-
-
-
1 477
unemployment
-
-
-
23
pensions
-
-
-
2 739
total
-
-
-
5 961
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.

38 726
-
12 979
-
income
6 678
-
1 617
-
health
2 501
-
839
-
unemployment
55
-
18
-
pensions
6 003
-
2 013
-
total
15 237
-
4 487
-
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.

38 726
-
12 979
-
unemployment
23
-
8
-
pensions
3 427
-
1 148
-
health
2 579
-
864
-
total
6 029
-
2 020
-
Corporate
-
15 000
-
-
income
-
2 850
-
-
total
-
2 850
-
-
Dividends
-
12 150
-
-
withholding
-
1 823
-
-
total
-
1 823
-
-
Income
15 000
15 000
15 000
15 000
Total tax
21 266
4 673
6 507
5 961
After tax
-6 266
10 327
8 493
9 039
Living cost
23 489
23 489
23 489
23 489
Free-cash
-29 755
-13 162
-14 996
-14 450

Estimated living cost  is ₽23489 per week

₽16120
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1506
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.
₽5409
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
-₽19834
-₽47428
-₽24654
-₽31813
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.

-
-
-
15 000
income
-
-
-
24 928
health

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

-
-
-
5 710
total
-
-
-
30 638
Employee
40 174
-
13 478
-
social contributions
4 025
-
1 522
-
income
4 359
-
-
-
total
8 384
-
1 522
-
Employer
40 174
-
13 478
-
social contributions
4 025
-
1 522
-
total
4 025
-
1 522
-
Corporate
-
15 000
-
-
income
-
5 250
-
-
total
-
5 250
-
-
Dividends
-
9 750
-
-
social contributions
2 614
2 614
-
-
total
2 614
2 614
-
-
Income
15 000
15 000
15 000
15 000
Total tax
15 023
7 864
3 044
30 638
After tax
-23
7 136
11 956
-15 638
Living cost
31 790
31 790
31 790
31 790
Free-cash
-31 813
-24 654
-19 834
-47 428

Estimated living cost  is ₽31790 per week

₽20940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7856
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
-₽10065
-₽8938
-₽9418
-₽16992
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
-
-
-
15 000
income
-
-
-
2 250
social contributions
-
-
-
2 071
health
-
-
-
1 047
total
-
-
-
5 368
Employee
29 693
-
15 000
-
income
4 952
-
3 377
-
social contributions
4 098
-
2 071
-
health
2 072
-
1 047
-
total
11 122
-
6 495
-
Employer
29 693
-
15 000
-
total
-
-
-
-
Corporate
-
15 000
-
-
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%.

-
750
-
-
total
-
750
-
-
Dividends
-
14 250
-
-
withholding
-
2 137
-
-
health
773
995
-
-
social contributions
1 527
1 966
-
-
total
2 300
5 098
-
-
Income
15 000
15 000
15 000
15 000
Total tax
13 422
5 848
6 495
5 368
After tax
1 578
9 152
8 505
9 632
Living cost
18 570
18 570
18 570
18 570
Free-cash
-16 992
-9 418
-10 065
-8 938

Estimated living cost  is ₽18570 per week

₽12428
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4569
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
-₽16094
-₽16400
-₽13378
-₽31714
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
-
-
-
15 000
income
-
-
-
1 289
social contributions
-
-
-
4 380
solidarity contribution
-
-
-
-
health
-
-
-
2 025
total
-
-
-
7 694
Employee
34 862
-
11 194
-
solidarity contribution
-
-
-
-
income
4 183
-
1 343
-
social contributions
2 266
-
728
-
health
4 706
-
1 511
-
total
11 155
-
3 582
-
Employer
34 862
-
11 194
-
social contributions
8 715
-
2 799
-
health
3 138
-
1 007
-
total
11 853
-
3 806
-
Corporate
-
15 000
-
-
income
-
2 850
-
-
total
-
2 850
-
-
Dividends
-
12 150
-
-
withholding
-
1 822
-
-
total
-
1 822
-
-
Income
15 000
15 000
15 000
15 000
Total tax
23 008
4 672
7 388
7 694
After tax
-8 008
10 328
7 612
7 306
Living cost
23 706
23 706
23 706
23 706
Free-cash
-31 714
-13 378
-16 094
-16 400

Estimated living cost  is ₽23706 per week

₽17629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1313
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.
₽4353
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
₽2202
₽5052
₽4452
₽2614
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%.

-
-
-
15 000
microenterprise

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

-
-
-
150
total
-
-
-
150
Employee
12 248
-
15 000
-
income
2 450
-
3 000
-
total
2 450
-
3 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

2 752
15 000
-
-
total
-
-
-
-
Dividends
2 752
15 000
-
-
withholding
138
750
-
-
total
138
750
-
-
Income
15 000
15 000
15 000
15 000
Total tax
2 588
750
3 000
150
After tax
12 412
14 250
12 000
14 850
Living cost
9 798
9 798
9 798
9 798
Free-cash
2 614
4 452
2 202
5 052

Estimated living cost  is ₽9798 per week

₽6630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2427
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
-₽32490
-₽33704
-₽34736
-₽56980
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
-
-
-
15 000
income
-
-
-
-
social contributions
-
-
-
427
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
5 281
other
-
-
-
465
total
-
-
-
6 407
Employee
54 849
-
11 429
-
income
4 786
-
-
-
social contributions
1 562
-
326
-
surtax
-
-
-
-
pensions
6 204
-
1 295
-
total
12 552
-
1 621
-
Employer
54 849
-
11 429
-
unemployment
2 222
-
464
-
social contributions
165
-
35
-
pensions
9 012
-
1 880
-
other
1 893
-
394
-
health
3 839
-
799
-
total
17 131
-
3 572
-
Corporate
-
15 000
-
-
income
-
4 200
-
-
surtax
-
-
-
-
total
-
4 200
-
-
Dividends
-
10 800
-
-
withholding
-
1 383
-
-
surtax
-
-
-
-
social contributions
-
1 856
-
-
total
-
3 239
-
-
Income
15 000
15 000
15 000
15 000
Total tax
29 683
7 439
5 193
6 407
After tax
-14 683
7 561
9 807
8 593
Living cost
42 297
42 297
42 297
42 297
Free-cash
-56 980
-34 736
-32 490
-33 704

Estimated living cost  is ₽42297 per week

₽28626
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽9631
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
-₽6036
-₽6683
-₽4264
-₽11850
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.

-
-
-
15 000
income
-
-
-
911
health
-
-
-
1 545
unemployment
-
-
-
225
pensions
-
-
-
3 900
total
-
-
-
6 581
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.

22 773
-
12 723
-
income
3 139
-
1 126
-
health
1 173
-
655
-
unemployment
171
-
95
-
pensions
3 188
-
1 781
-
total
7 671
-
3 657
-
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.

22 773
-
12 723
-
unemployment
171
-
95
-
pensions
2 733
-
1 527
-
health
1 173
-
655
-
total
4 077
-
2 277
-
Corporate
-
15 000
-
-
income
-
2 250
-
-
total
-
2 250
-
-
Dividends
-
12 750
-
-
withholding
-
1 912
-
-
total
-
1 912
-
-
Income
15 000
15 000
15 000
15 000
Total tax
11 748
4 162
5 934
6 581
After tax
3 252
10 838
9 066
8 419
Living cost
15 102
15 102
15 102
15 102
Free-cash
-11 850
-4 264
-6 036
-6 683

Estimated living cost  is ₽15102 per week

₽10168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1168
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.
₽3329
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
-₽50568
-₽48276
-₽54327
-₽63427
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
-
-
-
15 000
regional
-
-
-
52
national
-
-
-
-
health
-
-
-
200
city
-
-
-
156
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.

-
-
-
300
pensions
-
-
-
1 381
total
-
-
-
2 089
Employee
71 605
-
12 607
-
regional
2 345
-
-
-
city
768
-
124
-
health
162
-
28
-
unemployment
-
-
-
-
national
339
-
-
-
pensions
6 016
-
1 975
-
total
9 630
-
2 127
-
Employer
71 605
-
12 607
-
unemployment
-
-
-
-
pensions
6 016
-
1 975
-
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.

1 432
-
251
-
health
162
-
28
-
total
7 610
-
2 254
-
Corporate
-
15 000
-
-
regional
-
3 173
-
-
national
-
1 274
-
-
total
-
4 447
-
-
Dividends
-
10 553
-
-
withholding
-
3 693
-
-
total
-
3 693
-
-
Income
15 000
15 000
15 000
15 000
Total tax
17 240
8 140
4 381
2 089
After tax
-2 240
6 860
10 619
12 911
Living cost
61 187
61 187
61 187
61 187
Free-cash
-63 427
-54 327
-50 568
-48 276

Estimated living cost  is ₽61187 per week

₽39789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽751
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.
₽15156
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
-₽24127
-₽21323
-₽23242
-₽39768
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

-
-
-
15 000
municipal
-
-
-
2 701
national
-
-
-
-
health
-
-
-
-
total
-
-
-
2 701
Employee
46 075
-
12 619
-
health
344
-
-
-
unemployment
691
-
189
-
national
761
-
-
-
municipal
7 547
-
2 084
-
pensions
3 109
-
853
-
total
12 452
-
3 126
-
Employer
46 075
-
12 619
-
unemployment
299
-
81
-
pensions
7 994
-
2 189
-
accident
47
-
13
-
health
354
-
96
-
total
8 694
-
2 379
-
Corporate
-
15 000
-
-
income
-
3 000
-
-
total
-
3 000
-
-
Dividends

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

-
9 000
-
-
national
-
-
-
-
municipal
-
1 620
-
-
total
-
1 620
-
-
Income
15 000
15 000
15 000
15 000
Total tax
21 146
4 620
5 505
2 701
After tax
-6 146
10 380
9 495
12 299
Living cost
33 622
33 622
33 622
33 622
Free-cash
-39 768
-23 242
-24 127
-21 323

Estimated living cost  is ₽33622 per week

₽21962
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7892
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
-₽24962
-₽24767
-₽23253
-₽65877
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
-
-
-
15 000
national
-
-
-
2 596
social contributions
-
-
-
4 617
communal

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

-
-
-
623
total
-
-
-
7 836
Employee

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

62 642
-
11 620
-
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.

2 943
-
545
-
communal

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

3 267
-
607
-
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.

545
-
101
-
national
19 259
-
2 526
-
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.

4 698
-
871
-
total
30 712
-
4 650
-
Employer

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

62 642
-
11 620
-
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.

914
-
170
-
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.

5 551
-
1 029
-
surtax
7 103
-
1 316
-
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.

814
-
151
-
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.

3 852
-
715
-
total
18 234
-
3 381
-
Corporate
-
15 000
-
-
income
-
3 000
-
-
surtax
-
60
-
-
total
-
3 060
-
-
Dividends
-
11 940
-
-
withholding

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

-
3 262
-
-
total
-
3 262
-
-
Income
15 000
15 000
15 000
15 000
Total tax
48 946
6 322
8 031
7 836
After tax
-33 946
8 678
6 969
7 164
Living cost
31 931
31 931
31 931
31 931
Free-cash
-65 877
-23 253
-24 962
-24 767

Estimated living cost  is ₽31931 per week

₽20568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8072
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
-₽27863
-₽28396
-₽27684
-₽52178
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
-
-
-
15 000
municipal
-
-
-
3 177
national
-
-
-
-
health
-
-
-
936
accident
-
-
-
30
unemployment
-
-
-
15
pensions
-
-
-
1 621
other
-
-
-
1 743
total
-
-
-
7 522
Employee
51 118
-
11 414
-
national
-
-
-
-
municipal
15 243
-
3 403
-
total
15 243
-
3 403
-
Employer
51 118
-
11 414
-
unemployment
1 349
-
301
-
pensions
5 526
-
1 234
-
other
5 940
-
1 326
-
accident
102
-
23
-
health
3 144
-
702
-
total
16 061
-
3 586
-
Corporate
-
15 000
-
-
income
-
3 300
-
-
total
-
3 300
-
-
Dividends
-
11 700
-
-
withholding
-
3 510
-
-
total
-
3 510
-
-
Income
15 000
15 000
15 000
15 000
Total tax
31 304
6 810
6 989
7 522
After tax
-16 304
8 190
8 011
7 478
Living cost
35 874
35 874
35 874
35 874
Free-cash
-52 178
-27 684
-27 863
-28 396

Estimated living cost  is ₽35874 per week

₽23776
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽8033
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
-₽36239
-₽28363
-₽29603
-₽118833
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
-
-
-
15 000
income
-
-
-
2 924
social contributions
-
-
-
1 710
total
-
-
-
4 634
Employee
55 532
-
3 841
-
income
12 249
-
702
-
social contributions
4 554
-
649
-
total
16 803
-
1 351
-
Employer
55 532
-
3 841
-
social contributions
78 301
-
11 159
-
total
78 301
-
11 159
-
Corporate
-
15 000
-
-
income
-
3 300
-
-
total
-
3 300
-
-
Dividends
-
11 700
-
-
income
-
2 574
-
-
total
-
2 574
-
-
Income
15 000
15 000
15 000
15 000
Total tax
95 104
5 874
12 510
4 634
After tax
-80 104
9 126
2 490
10 366
Living cost
38 729
38 729
38 729
38 729
Free-cash
-118 833
-29 603
-36 239
-28 363

Estimated living cost  is ₽38729 per week

₽25129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3642
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9464
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
-₽25553
-₽19447
-₽33208
-₽28420
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
-
-
-
33 292
income
-
-
-
-
social contributions
-
-
-
5 193
health
-
-
-
849
total
-
-
-
6 042
Employee
67 340
67 340
67 340
-
income
7 071
6 234
7 572
-
social contributions
3 272
5 589
1 885
-
health
670
1 145
386
-
total
11 013
12 968
9 843
-
Employer
67 340
67 340
67 340
-
social contributions
3 272
5 589
1 885
-
health
730
1 246
420
-
total
4 002
6 835
2 305
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
15 000
15 000
15 000
15 000
Total tax
15 015
19 803
12 148
6 042
After tax
-15
-4 803
2 852
8 958
Living cost
28 405
28 405
28 405
28 405
Free-cash
-28 420
-33 208
-25 553
-19 447

Estimated living cost  is ₽28405 per week

₽19417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2219
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.
₽6292
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
-₽20218
-₽19925
-₽20465
-₽33741
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
-
-
-
15 000
income
-
-
-
2 944
pensions
-
-
-
278
total
-
-
-
3 222
Employee
43 517
-
14 355
-
income
7 925
-
2 870
-
health
568
-
-
-
pensions
3 321
-
-
-
total
11 814
-
2 870
-
Employer
43 517
-
14 355
-
pensions
4 397
-
372
-
health
827
-
273
-
total
5 224
-
645
-
Corporate
-
15 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

-
2 850
-
-
total
-
2 850
-
-
Dividends
-
12 150
-
-
withholding
-
912
-
-
total
-
912
-
-
Income
15 000
15 000
15 000
15 000
Total tax
17 038
3 762
3 515
3 222
After tax
-2 038
11 238
11 485
11 778
Living cost
31 703
31 703
31 703
31 703
Free-cash
-33 741
-20 465
-20 218
-19 925

Estimated living cost  is ₽31703 per week

₽21748
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.
₽397
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.
₽6641
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
-₽30351
-₽28778
-₽26986
-₽58796
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
-
-
-
15 000
municipal
-
-
-
73
regional
-
-
-
141
national
-
-
-
1 890
social contributions
-
-
-
6 787
total
-
-
-
8 891
Employee
73 796
-
15 000
-
regional
1 114
-
106
-
social contributions
24 883
-
8 898
-
national
12 471
-
1 404
-
municipal
440
-
55
-
total
38 908
-
10 463
-
Employer
73 796
-
15 000
-
total
-
-
-
-
Corporate
-
15 000
-
-
nationa
-
3 600
-
-
municipal
-
723
-
-
total
-
4 323
-
-
Dividends
-
10 677
-
-
withholding
-
2 775
-
-
total
-
2 775
-
-
Income
15 000
15 000
15 000
15 000
Total tax
38 908
7 098
10 463
8 891
After tax
-23 908
7 902
4 537
6 109
Living cost
34 888
34 888
34 888
34 888
Free-cash
-58 796
-26 986
-30 351
-28 778

Estimated living cost  is ₽34888 per week

₽24506
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽7454
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
-₽10123
-₽10407
-₽16830
-₽19170
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
-
-
-
15 000
income
-
-
-
1 649
health
-
-
-
1 789
accident
-
-
-
207
pensions
-
-
-
3 413
other
-
-
-
304
total
-
-
-
7 362
Employee
28 385
-
12 460
-
income
3 894
-
1 709
-
health
3 250
-
1 427
-
pensions
3 196
-
1 403
-
total
10 340
-
4 539
-
Employer
28 385
-
12 460
-
unemployment
695
-
305
-
pensions
4 616
-
2 026
-
accident
474
-
208
-
total
5 785
-
2 539
-
Corporate
-
15 000
-
-
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.

-
13 500
-
-
total
-
13 500
-
-
Dividends
-
1 500
-
-
withholding
-
285
-
-
total
-
285
-
-
Income
15 000
15 000
15 000
15 000
Total tax
16 125
13 785
7 078
7 362
After tax
-1 125
1 215
7 922
7 638
Living cost
18 045
18 045
18 045
18 045
Free-cash
-19 170
-16 830
-10 123
-10 407

Estimated living cost  is ₽18045 per week

₽13225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3443
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
-₽24793
-₽24793
-₽25860
-₽28574
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.

-
-
-
15 000
income

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

-
-
-
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 983
trade
-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
5 983
Employee

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

43 574
-
15 000
-
income

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

3 583
-
-
-
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.

5 983
-
5 983
-
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.

198
-
-
-
total
9 764
-
5 983
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
15 000
-
-
chamber of commerce
-
155
-
-
income
-
2 250
-
-
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.

-
123
-
-
trade
-
2 152
-
-
total
-
4 680
-
-
Dividends
-
10 320
-
-
withholding
-
2 247
-
-
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.

-
123
-
-
total
-
2 370
-
-
Income
15 000
15 000
15 000
15 000
Total tax
9 764
7 050
5 983
5 983
After tax
5 236
7 950
9 017
9 017
Living cost
33 810
33 810
33 810
33 810
Free-cash
-28 574
-25 860
-24 793
-24 793

Estimated living cost  is ₽33810 per week

₽23323
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3638
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽6358
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
-₽9613
-₽8226
-₽6219
-₽16753
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.

-
-
-
15 000
microenterprise
-
-
-
2 250
income
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
2 757
surtax
-
-
-
-
total
-
-
-
5 007
Employee
25 590
-
12 088
-
income
4 555
-
2 152
-
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.

2 815
-
1 330
-
surtax
-
-
-
-
total
7 370
-
3 482
-
Employer
25 590
-
12 088
-
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.

6 164
-
2 912
-
surtax
-
-
-
-
total
6 164
-
2 912
-
Corporate
-
15 000
-
-
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%.

-
3 000
-
-
total
-
3 000
-
-
Dividends

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

-
12 000
-
-
total
-
-
-
-
Income
15 000
15 000
15 000
15 000
Total tax
13 534
3 000
6 394
5 007
After tax
1 466
12 000
8 606
9 993
Living cost
18 219
18 219
18 219
18 219
Free-cash
-16 753
-6 219
-9 613
-8 226

Estimated living cost  is ₽18219 per week

₽11623
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽4447
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
-₽3124
-₽3550
-₽1985
-₽6169
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
-
-
-
15 000
income
-
-
-
2 030
health
-
-
-
2 175
pensions
-
-
-
3 000
total
-
-
-
7 205
Employee
17 279
-
12 245
-
income
3 343
-
2 187
-
health
864
-
612
-
unemployment
173
-
123
-
pensions
1 555
-
1 102
-
total
5 935
-
4 024
-
Employer
17 279
-
12 245
-
unemployment
346
-
245
-
pensions
1 901
-
1 347
-
health
1 642
-
1 163
-
total
3 889
-
2 755
-
Corporate
-
15 000
-
-
income
-
3 300
-
-
total
-
3 300
-
-
Dividends
-
11 700
-
-
withholding
-
2 340
-
-
total
-
2 340
-
-
Income
15 000
15 000
15 000
15 000
Total tax
9 824
5 640
6 779
7 205
After tax
5 176
9 360
8 221
7 795
Living cost
11 345
11 345
11 345
11 345
Free-cash
-6 169
-1 985
-3 124
-3 550

Estimated living cost  is ₽11345 per week

₽6742
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
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.
₽3423
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
-₽11361
-₽11081
-₽10235
-₽20701
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
-
-
-
15 000
income
-
-
-
2 147
health
-
-
-
1 065
unemployment
-
-
-
199
surtax
-
-
-
-
pensions
-
-
-
3 000
other
-
-
-
-
total
-
-
-
6 411
Employee
29 492
-
12 391
-
other
-
-
-
-
income
4 944
-
2 077
-
health
753
-
316
-
unemployment
2 052
-
863
-
surtax
105
-
-
-
pensions
1 968
-
826
-
total
9 822
-
4 082
-
Employer
29 492
-
12 391
-
unemployment
936
-
392
-
pensions
3 932
-
1 652
-
other
-
-
-
-
health
1 341
-
565
-
total
6 209
-
2 609
-
Corporate
-
15 000
-
-
income
-
3 900
-
-
total
-
3 900
-
-
Dividends
-
11 100
-
-
withholding
-
1 665
-
-
total
-
1 665
-
-
Income
15 000
15 000
15 000
15 000
Total tax
16 031
5 565
6 691
6 411
After tax
-1 031
9 435
8 309
8 589
Living cost
19 670
19 670
19 670
19 670
Free-cash
-20 701
-10 235
-11 361
-11 081

Estimated living cost  is ₽19670 per week

₽11876
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5629
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
-₽25279
-₽22292
-₽32710
-₽35128
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
-
-
-
15 000
income
-
-
-
-
chamber of commerce
-
-
-
60
health