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
₽ 16000
per

Your estimated
City
free-cash

Valencia , Spain
-₽23828
-₽17947
-₽13768
-₽11530
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
-
-
-
16 000
unemployment
-
-
-
122
income
-
-
-
2 040
other
-
-
-
17
accident
-
-
-
158
pensions
-
-
-
4 971
total
-
-
-
7 308
Employee
30 200
-
7 305
-
unemployment
468
-
423
-
pensions
1 420
-
1 282
-
income
5 822
-
1 059
-
other
29
-
28
-
total
7 739
-
2 792
-
Employer
30 200
-
7 305
-
pensions
7 127
-
6 437
-
accident
598
-
539
-
unemployment
1 662
-
1 500
-
other
242
-
219
-
total
9 629
-
8 695
-
Corporate
-
16 000
-
-
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.

-
2 399
-
-
total
-
2 399
-
-
Dividends
-
13 601
-
-
withholding
-
2 671
-
-
total
-
2 671
-
-
Income
16 000
16 000
16 000
16 000
Total tax
17 368
5 070
11 487
7 308
After tax
-1 368
10 930
4 513
8 692
Living cost
22 460
22 460
22 460
22 460
Free-cash
-23 828
-11 530
-17 947
-13 768

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4747
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
-₽21127
-₽12381
-₽13097
-₽10008
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
-
-
-
16 000
pensions

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

-
-
-
3 839
income
-
-
-
2 032
other
-
-
-
759
health
-
-
-
704
total
-
-
-
7 334
Employee
29 655
-
12 781
-
health
415
-
178
-
unemployment
296
-
127
-
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.

2 075
-
894
-
income
5 105
-
2 201
-
total
7 891
-
3 400
-
Employer
29 655
-
12 781
-
health
415
-
178
-
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.

5 042
-
2 171
-
accident
237
-
102
-
unemployment
296
-
127
-
other
1 483
-
640
-
total
7 473
-
3 218
-
Corporate
-
16 000
-
-
income
-
3 360
-
-
total
-
3 360
-
-
Dividends
-
12 640
-
-
withholding
-
885
-
-
total
-
885
-
-
Income
16 000
16 000
16 000
16 000
Total tax
15 364
4 245
6 618
7 334
After tax
636
11 755
9 382
8 666
Living cost
21 763
21 763
21 763
21 763
Free-cash
-21 127
-10 008
-12 381
-13 097

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽4566
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
-₽959
-₽604
-₽1379
₽2973
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
-
-
-
16 000
pensions

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

-
-
-
2 368
unemployment
-
-
-
64
income
-
-
-
2 400
health
-
-
-
1 840
total
-
-
-
6 672
Employee
14 177
-
13 376
-
health
652
-
615
-
accident

We are using the highest rate at 1.1%.

156
-
147
-
pensions

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

1 245
-
1 174
-
income
1 417
-
1 337
-
total
3 470
-
3 273
-
Employer
14 177
-
13 376
-
health
979
-
923
-
pensions

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

1 562
-
1 474
-
accident

We are using the highest rate at 1.1%.

156
-
147
-
unemployment
85
-
80
-
total
2 782
-
2 624
-
Corporate
-
16 000
-
-
income
-
1 600
-
-
total
-
1 600
-
-
Dividends
-
14 400
-
-
withholding
-
720
-
-
total
-
720
-
-
Income
16 000
16 000
16 000
16 000
Total tax
6 252
2 320
5 897
6 672
After tax
9 748
13 680
10 103
9 328
Living cost
10 707
10 707
10 707
10 707
Free-cash
-959
2 973
-604
-1 379

Estimated living cost  is ₽10707 per week

₽6251
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3408
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
-₽29871
-₽17478
-₽18565
-₽19878
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
-
-
-
16 000
income
-
-
-
-
other
-
-
-
496
health
-
-
-
219
social contributions
-
-
-
456
pensions
-
-
-
5 450
surtax
-
-
-
-
total
-
-
-
6 621
Employee
34 956
-
12 192
-
pensions
3 952
-
1 379
-
income
2 063
-
-
-
social contributions
997
-
347
-
surtax
-
-
-
-
total
7 012
-
1 726
-
Employer
34 956
-
12 192
-
health
2 447
-
854
-
social contributions
105
-
37
-
pensions
5 742
-
2 003
-
unemployment
1 415
-
494
-
other
1 206
-
420
-
total
10 915
-
3 808
-
Corporate
-
16 000
-
-
income
-
4 479
-
-
surtax
-
-
-
-
total
-
4 479
-
-
Dividends
-
11 521
-
-
social contributions
-
1 981
-
-
surtax
-
-
-
-
withholding
-
1 474
-
-
total
-
3 455
-
-
Income
16 000
16 000
16 000
16 000
Total tax
17 927
7 934
5 534
6 621
After tax
-1 927
8 066
10 466
9 379
Living cost
27 944
27 944
27 944
27 944
Free-cash
-29 871
-19 878
-17 478
-18 565

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7578
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
-₽65103
-₽65103
-₽24990
-₽60519
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
-
-
-
16 000
pensions
-
-
-
2 880
income
-
-
-
1 440
health
-
-
-
2 455
total
-
-
-
6 775
Employee
69 747
69 747
69 747
-
health
10 705
9 106
10 705
-
pensions
12 554
9 569
12 554
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
34 675
-
Employer
69 747
69 747
69 747
-
health
4 848
4 848
4 848
-
pensions
4 854
4 854
4 854
-
unemployment
2 511
2 511
2 511
-
total
12 213
12 213
12 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
16 000
16 000
16 000
16 000
Total tax
46 888
42 304
46 888
6 775
After tax
-30 888
-26 304
-30 888
9 225
Living cost
34 215
34 215
34 215
34 215
Free-cash
-65 103
-60 519
-65 103
-24 990

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽6339
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
-₽15240
-₽14319
-₽14319
-₽16459
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.

-
-
-
16 000
trade
-
-
-
-
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.

-
-
-
5 580
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
-
-
-
5 580
Employee

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

31 239
-
16 000
-
health

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

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

5 580
-
5 580
-
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.

873
-
-
-
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.

48
-
-
-
total
6 501
-
5 580
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
16 000
-
-
income
-
2 399
-
-
trade
-
2 520
-
-
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.

-
132
-
-
chamber of commerce
-
147
-
-
total
-
5 198
-
-
Dividends
-
10 802
-
-
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.

-
132
-
-
withholding
-
2 390
-
-
total
-
2 522
-
-
Income
16 000
16 000
16 000
16 000
Total tax
6 501
7 720
5 580
5 580
After tax
9 499
8 280
10 420
10 420
Living cost
24 739
24 739
24 739
24 739
Free-cash
-15 240
-16 459
-14 319
-14 319

Estimated living cost  is ₽24739 per week

₽15561
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.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5831
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
-₽15512
-₽14239
-₽8546
-₽21378
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
31 049
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 844
total
-
-
-
5 636
Employee
62 804
62 804
62 804
-
health
487
1 068
360
-
income
6 838
5 814
7 061
-
social contributions
2 374
5 212
1 758
-
total
9 699
12 094
9 179
-
Employer
62 804
62 804
62 804
-
health
529
1 162
392
-
social contributions
2 374
5 212
1 758
-
total
2 903
6 374
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
16 000
16 000
16 000
16 000
Total tax
12 602
18 468
11 329
5 636
After tax
3 398
-2 468
4 671
10 364
Living cost
18 910
18 910
18 910
18 910
Free-cash
-15 512
-21 378
-14 239
-8 546

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
-₽30485
-₽15825
-₽16114
-₽16517
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.

-
-
-
16 000
income
-
-
-
935
social contributions

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

-
-
-
5 560
surtax
-
-
-
-
total
-
-
-
6 495
Employee
37 564
-
12 930
-
income
7 813
-
1 713
-
social contributions
4 132
-
1 423
-
surtax
-
-
-
-
total
11 945
-
3 136
-
Employer
37 564
-
12 930
-
social contributions
8 921
-
3 070
-
total
8 921
-
3 070
-
Corporate
-
16 000
-
-
income
-
3 360
-
-
surtax
-
-
-
-
total
-
3 360
-
-
Dividends
-
12 640
-
-
withholding
-
3 538
-
-
total
-
3 538
-
-
Income
16 000
16 000
16 000
16 000
Total tax
20 866
6 898
6 206
6 495
After tax
-4 866
9 102
9 794
9 505
Living cost
25 619
25 619
25 619
25 619
Free-cash
-30 485
-16 517
-15 825
-16 114

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽4512
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
₽7967
₽6709
₽9749
₽9109
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%.

-
-
-
16 000
microenterprise

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

-
-
-
160
total
-
-
-
160
Employee
7 614
-
16 000
-
income
1 523
-
3 200
-
total
1 523
-
3 200
-
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%.

8 386
16 000
-
-
total
-
-
-
-
Dividends
8 386
16 000
-
-
withholding
419
800
-
-
total
419
800
-
-
Income
16 000
16 000
16 000
16 000
Total tax
1 942
800
3 200
160
After tax
14 058
15 200
12 800
15 840
Living cost
6 091
6 091
6 091
6 091
Free-cash
7 967
9 109
6 709
9 749

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1643
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
-₽25740
-₽12845
-₽12262
-₽10890
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.

-
-
-
16 000
pensions
-
-
-
2 922
unemployment
-
-
-
23
income
-
-
-
1 837
health
-
-
-
1 573
total
-
-
-
6 355
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

36 117
-
13 844
-
health
2 333
-
894
-
unemployment
51
-
20
-
pensions
5 598
-
2 145
-
income
6 228
-
1 725
-
total
14 210
-
4 784
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

36 117
-
13 844
-
health
2 405
-
922
-
pensions
3 196
-
1 224
-
unemployment
22
-
8
-
total
5 623
-
2 154
-
Corporate
-
16 000
-
-
income
-
3 039
-
-
total
-
3 039
-
-
Dividends
-
12 961
-
-
withholding
-
1 944
-
-
total
-
1 944
-
-
Income
16 000
16 000
16 000
16 000
Total tax
19 833
4 983
6 938
6 355
After tax
-3 833
11 017
9 062
9 645
Living cost
21 907
21 907
21 907
21 907
Free-cash
-25 740
-10 890
-12 845
-12 262

Estimated living cost  is ₽21907 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
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.
₽5045
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
-₽27659
-₽16562
-₽42068
-₽21686
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.

-
-
-
16 000
income
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
14 543
-
social contributions
3 754
-
1 457
-
income
4 065
-
-
-
total
7 819
-
1 457
-
Employer
37 468
-
14 543
-
social contributions
3 754
-
1 457
-
total
3 754
-
1 457
-
Corporate
-
16 000
-
-
income
-
5 600
-
-
total
-
5 600
-
-
Dividends
-
10 400
-
-
social contributions
2 438
2 438
-
-
total
2 438
2 438
-
-
Income
16 000
16 000
16 000
16 000
Total tax
14 011
8 038
2 914
28 420
After tax
1 989
7 962
13 086
-12 420
Living cost
29 648
29 648
29 648
29 648
Free-cash
-27 659
-21 686
-16 562
-42 068

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7327
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
-₽13838
-₽8660
-₽7045
-₽7558
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
-
-
-
16 000
income
-
-
-
2 399
health
-
-
-
1 118
social contributions
-
-
-
2 209
total
-
-
-
5 726
Employee
27 693
-
16 000
-
health
1 933
-
1 118
-
income
4 619
-
4 014
-
social contributions
3 822
-
2 209
-
total
10 374
-
7 341
-
Employer
27 693
-
16 000
-
total
-
-
-
-
Corporate
-
16 000
-
-
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%.

-
800
-
-
total
-
800
-
-
Dividends
-
15 200
-
-
social contributions
1 424
2 097
-
-
withholding
-
2 280
-
-
health
721
1 062
-
-
total
2 145
5 439
-
-
Income
16 000
16 000
16 000
16 000
Total tax
12 519
6 239
7 341
5 726
After tax
3 481
9 761
8 659
10 274
Living cost
17 319
17 319
17 319
17 319
Free-cash
-13 838
-7 558
-8 660
-7 045

Estimated living cost  is ₽17319 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4261
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
-₽28861
-₽14646
-₽14972
-₽11749
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
-
-
-
16 000
income
-
-
-
1 375
health
-
-
-
2 160
social contributions
-
-
-
4 672
solidarity contribution
-
-
-
-
total
-
-
-
8 207
Employee
33 479
-
11 940
-
health
4 520
-
1 612
-
solidarity contribution
-
-
-
-
income
4 017
-
1 433
-
social contributions
2 176
-
776
-
total
10 713
-
3 821
-
Employer
33 479
-
11 940
-
health
3 013
-
1 075
-
social contributions
8 370
-
2 985
-
total
11 383
-
4 060
-
Corporate
-
16 000
-
-
income
-
3 040
-
-
total
-
3 040
-
-
Dividends
-
12 960
-
-
withholding
-
1 944
-
-
total
-
1 944
-
-
Income
16 000
16 000
16 000
16 000
Total tax
22 096
4 984
7 881
8 207
After tax
-6 096
11 016
8 119
7 793
Living cost
22 765
22 765
22 765
22 765
Free-cash
-28 861
-11 749
-14 646
-14 972

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4181
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
₽3928
₽3308
₽6348
₽5708
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%.

-
-
-
16 000
microenterprise

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

-
-
-
160
total
-
-
-
160
Employee
11 865
-
16 000
-
income
2 373
-
3 200
-
total
2 373
-
3 200
-
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%.

4 135
16 000
-
-
total
-
-
-
-
Dividends
4 135
16 000
-
-
withholding
207
800
-
-
total
207
800
-
-
Income
16 000
16 000
16 000
16 000
Total tax
2 580
800
3 200
160
After tax
13 420
15 200
12 800
15 840
Living cost
9 492
9 492
9 492
9 492
Free-cash
3 928
5 708
3 308
6 348

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
-₽51129
-₽28982
-₽30069
-₽31382
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
-
-
-
16 000
income
-
-
-
-
other
-
-
-
496
health
-
-
-
219
social contributions
-
-
-
456
pensions
-
-
-
5 450
surtax
-
-
-
-
total
-
-
-
6 621
Employee
51 154
-
12 192
-
pensions
5 786
-
1 379
-
income
4 463
-
-
-
social contributions
1 457
-
347
-
surtax
-
-
-
-
total
11 706
-
1 726
-
Employer
51 154
-
12 192
-
health
3 580
-
854
-
social contributions
153
-
37
-
pensions
8 405
-
2 003
-
unemployment
2 072
-
494
-
other
1 765
-
420
-
total
15 975
-
3 808
-
Corporate
-
16 000
-
-
income
-
4 479
-
-
surtax
-
-
-
-
total
-
4 479
-
-
Dividends
-
11 521
-
-
social contributions
-
1 981
-
-
surtax
-
-
-
-
withholding
-
1 474
-
-
total
-
3 455
-
-
Income
16 000
16 000
16 000
16 000
Total tax
27 681
7 934
5 534
6 621
After tax
-11 681
8 066
10 466
9 379
Living cost
39 448
39 448
39 448
39 448
Free-cash
-51 129
-31 382
-28 982
-30 069

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8982
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
-₽9023
-₽4599
-₽5286
-₽2515
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.

-
-
-
16 000
pensions
-
-
-
4 160
unemployment
-
-
-
240
income
-
-
-
1 163
health
-
-
-
1 648
total
-
-
-
7 211
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 224
-
13 571
-
health
1 093
-
699
-
unemployment
159
-
102
-
pensions
2 971
-
1 900
-
income
2 926
-
1 393
-
total
7 149
-
4 094
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 224
-
13 571
-
health
1 093
-
699
-
pensions
2 547
-
1 629
-
unemployment
159
-
102
-
total
3 799
-
2 430
-
Corporate
-
16 000
-
-
income
-
2 400
-
-
total
-
2 400
-
-
Dividends
-
13 600
-
-
withholding
-
2 040
-
-
total
-
2 040
-
-
Income
16 000
16 000
16 000
16 000
Total tax
10 948
4 440
6 524
7 211
After tax
5 052
11 560
9 476
8 789
Living cost
14 075
14 075
14 075
14 075
Free-cash
-9 023
-2 515
-4 599
-5 286

Estimated living cost  is ₽14075 per week

₽9477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3102
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
-₽56759
-₽45126
-₽42995
-₽49451
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
-
-
-
16 000
pensions
-
-
-
1 473
city
-
-
-
166
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.

-
-
-
319
health
-
-
-
185
regional
-
-
-
85
national
-
-
-
-
total
-
-
-
2 228
Employee
66 432
-
13 621
-
health
150
-
31
-
unemployment
-
-
-
-
city
713
-
137
-
pensions
5 581
-
1 926
-
regional
2 175
-
35
-
national
314
-
-
-
total
8 933
-
2 129
-
Employer
66 432
-
13 621
-
health
150
-
31
-
pensions
5 581
-
1 926
-
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.

1 328
-
273
-
total
7 059
-
2 230
-
Corporate
-
16 000
-
-
regional
-
3 384
-
-
national
-
1 360
-
-
total
-
4 744
-
-
Dividends
-
11 256
-
-
withholding
-
3 940
-
-
total
-
3 940
-
-
Income
16 000
16 000
16 000
16 000
Total tax
15 992
8 684
4 359
2 228
After tax
8
7 316
11 641
13 772
Living cost
56 767
56 767
56 767
56 767
Free-cash
-56 759
-49 451
-45 126
-42 995

Estimated living cost  is ₽56767 per week

₽36915
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14061
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
-₽35078
-₽21230
-₽18237
-₽20286
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

-
-
-
16 000
municipal
-
-
-
2 880
health
-
-
-
-
national
-
-
-
-
total
-
-
-
2 880
Employee
42 971
-
13 460
-
health
321
-
-
-
unemployment
645
-
201
-
pensions
2 900
-
908
-
national
710
-
-
-
municipal
7 038
-
2 223
-
total
11 614
-
3 332
-
Employer
42 971
-
13 460
-
health
330
-
104
-
pensions
7 455
-
2 336
-
accident
43
-
14
-
unemployment
279
-
87
-
total
8 107
-
2 541
-
Corporate
-
16 000
-
-
income
-
3 201
-
-
total
-
3 201
-
-
Dividends

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

-
9 600
-
-
municipal
-
1 728
-
-
national
-
-
-
-
total
-
1 728
-
-
Income
16 000
16 000
16 000
16 000
Total tax
19 721
4 929
5 873
2 880
After tax
-3 721
11 071
10 127
13 120
Living cost
31 357
31 357
31 357
31 357
Free-cash
-35 078
-20 286
-21 230
-18 237

Estimated living cost  is ₽31357 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽7361
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
-₽59428
-₽22347
-₽21711
-₽20568
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
-
-
-
16 000
communal

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

-
-
-
702
social contributions
-
-
-
4 306
national
-
-
-
2 923
total
-
-
-
7 931
Employee

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

58 422
-
12 393
-
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.

2 745
-
583
-
communal

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

3 047
-
646
-
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.

508
-
108
-
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.

4 382
-
930
-
national
17 961
-
2 694
-
total
28 643
-
4 961
-
Employer

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

58 422
-
12 393
-
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.

3 593
-
763
-
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.

5 177
-
1 097
-
surtax
6 624
-
1 404
-
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.

759
-
161
-
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.

852
-
181
-
total
17 005
-
3 606
-
Corporate
-
16 000
-
-
income
-
3 201
-
-
surtax
-
64
-
-
total
-
3 265
-
-
Dividends
-
12 736
-
-
withholding

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

-
3 523
-
-
total
-
3 523
-
-
Income
16 000
16 000
16 000
16 000
Total tax
45 648
6 788
8 567
7 931
After tax
-29 648
9 212
7 433
8 069
Living cost
29 780
29 780
29 780
29 780
Free-cash
-59 428
-20 568
-22 347
-21 711

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽7528
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
-₽49982
-₽26691
-₽27260
-₽26500
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
-
-
-
16 000
unemployment
-
-
-
16
municipal
-
-
-
3 389
other
-
-
-
1 859
health
-
-
-
998
national
-
-
-
-
accident
-
-
-
32
pensions
-
-
-
1 730
total
-
-
-
8 024
Employee
50 208
-
12 175
-
national
-
-
-
-
municipal
14 972
-
3 630
-
total
14 972
-
3 630
-
Employer
50 208
-
12 175
-
health
3 088
-
749
-
pensions
5 427
-
1 316
-
accident
100
-
24
-
unemployment
1 325
-
321
-
other
5 834
-
1 415
-
total
15 774
-
3 825
-
Corporate
-
16 000
-
-
income
-
3 520
-
-
total
-
3 520
-
-
Dividends
-
12 480
-
-
withholding
-
3 744
-
-
total
-
3 744
-
-
Income
16 000
16 000
16 000
16 000
Total tax
30 746
7 264
7 455
8 024
After tax
-14 746
8 736
8 545
7 976
Living cost
35 236
35 236
35 236
35 236
Free-cash
-49 982
-26 500
-26 691
-27 260

Estimated living cost  is ₽35236 per week

₽23353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
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.
₽7890
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
-₽118128
-₽35566
-₽27758
-₽29080
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
-
-
-
16 000
income
-
-
-
3 119
social contributions
-
-
-
1 824
total
-
-
-
4 943
Employee
55 654
-
4 816
-
income
12 276
-
917
-
social contributions
4 564
-
650
-
total
16 840
-
1 567
-
Employer
55 654
-
4 816
-
social contributions
78 473
-
11 184
-
total
78 473
-
11 184
-
Corporate
-
16 000
-
-
income
-
3 520
-
-
total
-
3 520
-
-
Dividends
-
12 480
-
-
income
-
2 746
-
-
total
-
2 746
-
-
Income
16 000
16 000
16 000
16 000
Total tax
95 313
6 266
12 751
4 943
After tax
-79 313
9 734
3 249
11 057
Living cost
38 814
38 814
38 814
38 814
Free-cash
-118 128
-29 080
-35 566
-27 758

Estimated living cost  is ₽38814 per week

₽25184
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3650
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.
₽9485
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
-₽24495
-₽21820
-₽16127
-₽28959
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
31 049
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 844
total
-
-
-
5 636
Employee
62 804
62 804
62 804
-
health
625
1 068
360
-
income
6 595
5 814
7 061
-
social contributions
3 052
5 212
1 758
-
total
10 272
12 094
9 179
-
Employer
62 804
62 804
62 804
-
health
680
1 162
392
-
social contributions
3 052
5 212
1 758
-
total
3 732
6 374
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
16 000
16 000
16 000
16 000
Total tax
14 004
18 468
11 329
5 636
After tax
1 996
-2 468
4 671
10 364
Living cost
26 491
26 491
26 491
26 491
Free-cash
-24 495
-28 959
-21 820
-16 127

Estimated living cost  is ₽26491 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽5868
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
-₽28761
-₽17091
-₽16419
-₽17126
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
-
-
-
16 000
income
-
-
-
3 174
pensions
-
-
-
131
total
-
-
-
3 305
Employee
39 963
-
15 108
-
health
521
-
12
-
pensions
3 050
-
67
-
income
7 278
-
3 005
-
total
10 849
-
3 084
-
Employer
39 963
-
15 108
-
health
760
-
287
-
pensions
4 038
-
606
-
total
4 798
-
893
-
Corporate
-
16 000
-
-
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.

-
3 040
-
-
total
-
3 040
-
-
Dividends
-
12 960
-
-
withholding
-
972
-
-
total
-
972
-
-
Income
16 000
16 000
16 000
16 000
Total tax
15 647
4 012
3 977
3 305
After tax
353
11 988
12 023
12 695
Living cost
29 114
29 114
29 114
29 114
Free-cash
-28 761
-17 126
-17 091
-16 419

Estimated living cost  is ₽29114 per week

₽19972
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6099
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
-₽52825
-₽26810
-₽25345
-₽24110
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
-
-
-
16 000
municipal
-
-
-
87
regional
-
-
-
167
social contributions
-
-
-
6 330
national
-
-
-
2 224
total
-
-
-
8 808
Employee
68 824
-
16 000
-
social contributions
23 207
-
8 298
-
regional
1 039
-
133
-
national
11 631
-
1 772
-
municipal
411
-
70
-
total
36 288
-
10 273
-
Employer
68 824
-
16 000
-
total
-
-
-
-
Corporate
-
16 000
-
-
nationa
-
3 841
-
-
municipal
-
772
-
-
total
-
4 613
-
-
Dividends
-
11 387
-
-
withholding
-
2 960
-
-
total
-
2 960
-
-
Income
16 000
16 000
16 000
16 000
Total tax
36 288
7 573
10 273
8 808
After tax
-20 288
8 427
5 727
7 192
Living cost
32 537
32 537
32 537
32 537
Free-cash
-52 825
-24 110
-26 810
-25 345

Estimated living cost  is ₽32537 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6951
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
-₽16748
-₽8845
-₽8636
-₽15998
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
-
-
-
16 000
pensions
-
-
-
3 271
income
-
-
-
1 868
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
7 342
Employee
27 204
-
13 291
-
health
3 115
-
1 522
-
pensions
3 063
-
1 497
-
income
3 732
-
1 823
-
total
9 910
-
4 842
-
Employer
27 204
-
13 291
-
pensions
4 424
-
2 161
-
accident
454
-
222
-
unemployment
666
-
326
-
total
5 544
-
2 709
-
Corporate
-
16 000
-
-
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.

-
14 400
-
-
total
-
14 400
-
-
Dividends
-
1 600
-
-
withholding
-
304
-
-
total
-
304
-
-
Income
16 000
16 000
16 000
16 000
Total tax
15 454
14 704
7 551
7 342
After tax
546
1 296
8 449
8 658
Living cost
17 294
17 294
17 294
17 294
Free-cash
-16 748
-15 998
-8 845
-8 636

Estimated living cost  is ₽17294 per week

₽12675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

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
-₽24638
-₽21112
-₽21112
-₽23086
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.

-
-
-
16 000
trade
-
-
-
-
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.

-
-
-
5 580
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
-
-
-
5 580
Employee

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

40 638
-
16 000
-
health

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

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

5 580
-
5 580
-
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.

3 342
-
-
-
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.

184
-
-
-
total
9 106
-
5 580
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
16 000
-
-
income
-
2 399
-
-
trade
-
2 295
-
-
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.

-
132
-
-
chamber of commerce
-
147
-
-
total
-
4 973
-
-
Dividends
-
11 026
-
-
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.

-
135
-
-
withholding
-
2 446
-
-
total
-
2 581
-
-
Income
16 000
16 000
16 000
16 000
Total tax
9 106
7 554
5 580
5 580
After tax
6 894
8 446
10 420
10 420
Living cost
31 532
31 532
31 532
31 532
Free-cash
-24 638
-23 086
-21 112
-21 112

Estimated living cost  is ₽31532 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
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.
₽5930
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
-₽13615
-₽7811
-₽5962
-₽4193
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.

-
-
-
16 000
income
-
-
-
-
microenterprise
-
-
-
2 399
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.

-
-
-
2 571
surtax
-
-
-
-
total
-
-
-
4 970
Employee
23 866
-
12 894
-
income
4 248
-
2 295
-
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.

2 626
-
1 418
-
surtax
-
-
-
-
total
6 874
-
3 713
-
Employer
23 866
-
12 894
-
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.

5 749
-
3 106
-
surtax
-
-
-
-
total
5 749
-
3 106
-
Corporate
-
16 000
-
-
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%.

-
3 201
-
-
total
-
3 201
-
-
Dividends

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

-
12 799
-
-
total
-
-
-
-
Income
16 000
16 000
16 000
16 000
Total tax
12 623
3 201
6 819
4 970
After tax
3 377
12 799
9 181
11 030
Living cost
16 992
16 992
16 992
16 992
Free-cash
-13 615
-4 193
-7 811
-5 962

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4148
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
-₽2730
-₽1383
-₽1836
-₽54
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
-
-
-
16 000
income
-
-
-
2 278
health
-
-
-
2 320
pensions
-
-
-
3 200
total
-
-
-
7 798
Employee
15 289
-
13 061
-
health
764
-
653
-
unemployment
153
-
131
-
pensions
1 376
-
1 176
-
income
2 958
-
2 446
-
total
5 251
-
4 406
-
Employer
15 289
-
13 061
-
health
1 453
-
1 241
-
pensions
1 682
-
1 437
-
unemployment
306
-
261
-
total
3 441
-
2 939
-
Corporate
-
16 000
-
-
income
-
3 520
-
-
total
-
3 520
-
-
Dividends
-
12 480
-
-
withholding
-
2 496
-
-
total
-
2 496
-
-
Income
16 000
16 000
16 000
16 000
Total tax
8 692
6 016
7 345
7 798
After tax
7 308
9 984
8 655
8 202
Living cost
10 038
10 038
10 038
10 038
Free-cash
-2 730
-54
-1 383
-1 836

Estimated living cost  is ₽10038 per week

₽5965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3029
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
-₽17296
-₽9481
-₽9163
-₽8281
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
-
-
-
16 000
pensions
-
-
-
3 201
unemployment
-
-
-
186
income
-
-
-
2 295
other
-
-
-
-
health
-
-
-
1 136
surtax
-
-
-
-
total
-
-
-
6 818
Employee
27 505
-
13 218
-
health
702
-
336
-
unemployment
1 914
-
921
-
pensions
1 835
-
882
-
income
4 611
-
2 216
-
other
-
-
-
-
surtax
98
-
-
-
total
9 160
-
4 355
-
Employer
27 505
-
13 218
-
health
1 251
-
601
-
pensions
3 667
-
1 762
-
unemployment
873
-
418
-
other
-
-
-
-
total
5 791
-
2 781
-
Corporate
-
16 000
-
-
income
-
4 160
-
-
total
-
4 160
-
-
Dividends
-
11 840
-
-
withholding
-
1 776
-
-
total
-
1 776
-
-
Income
16 000
16 000
16 000
16 000
Total tax
14 951
5 936
7 136
6 818
After tax
1 049
10 064
8 864
9 182
Living cost
18 345
18 345
18 345
18 345
Free-cash
-17 296
-8 281
-9 481
-9 163

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5250
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
-₽30751
-₽22528
-₽19314
-₽28493
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
-
-
-
16 000
pensions
-
-
-
2 960
chamber of commerce
-
-
-
64
unemployment
-