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
₽ 17000
per

Your estimated
City
free-cash

Valencia , Spain
-₽17502
-₽13275
-₽11123
-₽23300
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
-
-
-
17 000
income
-
-
-
2 218
accident
-
-
-
160
unemployment
-
-
-
124
pensions
-
-
-
5 030
other
-
-
-
17
total
-
-
-
7 549
Employee
30 558
-
8 202
-
other
30
-
28
-
income
5 891
-
1 225
-
unemployment
474
-
428
-
pensions
1 437
-
1 297
-
total
7 832
-
2 978
-
Employer
30 558
-
8 202
-
unemployment
1 681
-
1 518
-
pensions
7 211
-
6 513
-
other
245
-
221
-
accident
605
-
546
-
total
9 742
-
8 798
-
Corporate
-
17 000
-
-
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.

-
2 550
-
-
total
-
2 550
-
-
Dividends
-
14 450
-
-
withholding
-
2 847
-
-
total
-
2 847
-
-
Income
17 000
17 000
17 000
17 000
Total tax
17 574
5 397
11 776
7 549
After tax
-574
11 603
5 224
9 451
Living cost
22 726
22 726
22 726
22 726
Free-cash
-23 300
-11 123
-17 502
-13 275

Estimated living cost  is ₽22726 per week

₽15340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2185
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.
₽4804
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
-₽12056
-₽12816
-₽9529
-₽20570
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
-
-
-
17 000
income
-
-
-
2 160
health
-
-
-
748
pensions

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

-
-
-
4 079
other
-
-
-
808
total
-
-
-
7 795
Employee
30 007
-
13 578
-
income
5 166
-
2 337
-
health
420
-
190
-
unemployment
300
-
136
-
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.

2 100
-
950
-
total
7 986
-
3 613
-
Employer
30 007
-
13 578
-
unemployment
300
-
136
-
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.

5 102
-
2 309
-
other
1 501
-
679
-
accident
240
-
108
-
health
420
-
190
-
total
7 563
-
3 422
-
Corporate
-
17 000
-
-
income
-
3 569
-
-
total
-
3 569
-
-
Dividends
-
13 431
-
-
withholding
-
939
-
-
total
-
939
-
-
Income
17 000
17 000
17 000
17 000
Total tax
15 549
4 508
7 035
7 795
After tax
1 451
12 492
9 965
9 205
Living cost
22 021
22 021
22 021
22 021
Free-cash
-20 570
-9 529
-12 056
-12 816

Estimated living cost  is ₽22021 per week

₽15559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1487
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4620
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
-₽93
-₽916
₽3708
-₽150
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
-
-
-
17 000
income
-
-
-
2 550
health
-
-
-
1 955
unemployment
-
-
-
68
pensions

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

-
-
-
2 516
total
-
-
-
7 089
Employee
14 336
-
14 212
-
income
1 433
-
1 421
-
health
659
-
654
-
accident

We are using the highest rate at 1.1%.

158
-
156
-
pensions

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

1 259
-
1 248
-
total
3 509
-
3 479
-
Employer
14 336
-
14 212
-
unemployment
86
-
85
-
pensions

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

1 580
-
1 566
-
accident

We are using the highest rate at 1.1%.

158
-
156
-
health
990
-
980
-
total
2 814
-
2 787
-
Corporate
-
17 000
-
-
income
-
1 700
-
-
total
-
1 700
-
-
Dividends
-
15 300
-
-
withholding
-
765
-
-
total
-
765
-
-
Income
17 000
17 000
17 000
17 000
Total tax
6 323
2 465
6 266
7 089
After tax
10 677
14 535
10 734
9 911
Living cost
10 827
10 827
10 827
10 827
Free-cash
-150
3 708
-93
-916

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3446
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
-₽17155
-₽18234
-₽19707
-₽29415
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
-
-
-
17 000
income
-
-
-
-
social contributions
-
-
-
485
health
-
-
-
221
surtax
-
-
-
-
pensions
-
-
-
5 726
other
-
-
-
527
total
-
-
-
6 959
Employee
35 370
-
12 954
-
income
2 087
-
-
-
social contributions
1 008
-
370
-
surtax
-
-
-
-
pensions
3 999
-
1 465
-
total
7 094
-
1 835
-
Employer
35 370
-
12 954
-
unemployment
1 432
-
525
-
social contributions
107
-
39
-
pensions
5 811
-
2 128
-
other
1 220
-
447
-
health
2 476
-
906
-
total
11 046
-
4 045
-
Corporate
-
17 000
-
-
income
-
4 760
-
-
surtax
-
-
-
-
total
-
4 760
-
-
Dividends
-
12 240
-
-
withholding
-
1 567
-
-
surtax
-
-
-
-
social contributions
-
2 105
-
-
total
-
3 672
-
-
Income
17 000
17 000
17 000
17 000
Total tax
18 140
8 432
5 880
6 959
After tax
-1 140
8 568
11 120
10 041
Living cost
28 275
28 275
28 275
28 275
Free-cash
-29 415
-19 707
-17 155
-18 234

Estimated living cost  is ₽28275 per week

₽17829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2299
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7668
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
-₽65067
-₽24822
-₽60429
-₽65067
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
-
-
-
17 000
income
-
-
-
1 531
health
-
-
-
2 610
pensions
-
-
-
3 060
total
-
-
-
7 201
Employee
70 574
70 574
70 574
-
income

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

11 552
11 552
11 552
-
health
10 832
9 214
10 832
-
pensions
12 703
9 683
12 703
-
total
35 087
30 449
35 087
-
Employer
70 574
70 574
70 574
-
unemployment
2 541
2 541
2 541
-
pensions
4 912
4 912
4 912
-
health
4 906
4 906
4 906
-
total
12 359
12 359
12 359
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
17 000
17 000
17 000
17 000
Total tax
47 446
42 808
47 446
7 201
After tax
-30 446
-25 808
-30 446
9 799
Living cost
34 621
34 621
34 621
34 621
Free-cash
-65 067
-60 429
-65 067
-24 822

Estimated living cost  is ₽34621 per week

₽24535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3121
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6414
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
-₽13678
-₽13678
-₽16247
-₽14610
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.

-
-
-
17 000
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.

-
-
-
5 646
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
-
-
-
5 646
Employee

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

31 610
-
17 000
-
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.

883
-
-
-
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.

5 646
-
5 646
-
surtax

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

49
-
-
-
total
6 578
-
5 646
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
17 000
-
-
chamber of commerce
-
151
-
-
income
-
2 550
-
-
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.

-
140
-
-
trade
-
2 677
-
-
total
-
5 518
-
-
Dividends
-
11 483
-
-
withholding
-
2 556
-
-
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.

-
141
-
-
total
-
2 697
-
-
Income
17 000
17 000
17 000
17 000
Total tax
6 578
8 215
5 646
5 646
After tax
10 422
8 785
11 354
11 354
Living cost
25 032
25 032
25 032
25 032
Free-cash
-14 610
-16 247
-13 678
-13 678

Estimated living cost  is ₽25032 per week

₽15746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2919
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.
₽5900
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
-₽13596
-₽7836
-₽20822
-₽14886
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
-
-
-
31 417
income
-
-
-
-
social contributions
-
-
-
4 901
health
-
-
-
801
total
-
-
-
5 702
Employee
63 549
63 549
63 549
-
income
6 919
5 883
7 145
-
social contributions
2 403
5 274
1 778
-
health
492
1 081
364
-
total
9 814
12 238
9 287
-
Employer
63 549
63 549
63 549
-
social contributions
2 403
5 274
1 778
-
health
535
1 176
397
-
total
2 938
6 450
2 175
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
17 000
17 000
17 000
17 000
Total tax
12 752
18 688
11 462
5 702
After tax
4 248
-1 688
5 538
11 298
Living cost
19 134
19 134
19 134
19 134
Free-cash
-14 886
-20 822
-13 596
-7 836

Estimated living cost  is ₽19134 per week

₽11468
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5367
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
-₽15564
-₽15824
-₽16253
-₽30037
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.

-
-
-
17 000
income
-
-
-
993
social contributions

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

-
-
-
5 908
surtax
-
-
-
-
total
-
-
-
6 901
Employee
38 010
-
13 738
-
income
7 906
-
1 867
-
social contributions
4 181
-
1 512
-
surtax
-
-
-
-
total
12 087
-
3 379
-
Employer
38 010
-
13 738
-
social contributions
9 027
-
3 262
-
total
9 027
-
3 262
-
Corporate
-
17 000
-
-
income
-
3 569
-
-
surtax
-
-
-
-
total
-
3 569
-
-
Dividends
-
13 431
-
-
withholding
-
3 761
-
-
total
-
3 761
-
-
Income
17 000
17 000
17 000
17 000
Total tax
21 114
7 330
6 641
6 901
After tax
-4 114
9 670
10 359
10 099
Living cost
25 923
25 923
25 923
25 923
Free-cash
-30 037
-16 253
-15 564
-15 824

Estimated living cost  is ₽25923 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1529
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽4565
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
₽7412
₽10642
₽9962
₽8802
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%.

-
-
-
17 000
microenterprise

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

-
-
-
170
total
-
-
-
170
Employee
7 735
-
17 000
-
income
1 547
-
3 400
-
total
1 547
-
3 400
-
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%.

9 265
17 000
-
-
total
-
-
-
-
Dividends
9 265
17 000
-
-
withholding
463
850
-
-
total
463
850
-
-
Income
17 000
17 000
17 000
17 000
Total tax
2 010
850
3 400
170
After tax
14 990
16 150
13 600
16 830
Living cost
6 188
6 188
6 188
6 188
Free-cash
8 802
9 962
7 412
10 642

Estimated living cost  is ₽6188 per week

₽3835
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1669
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
-₽12540
-₽11920
-₽10463
-₽25236
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.

-
-
-
17 000
income
-
-
-
1 951
health
-
-
-
1 672
unemployment
-
-
-
25
pensions
-
-
-
3 105
total
-
-
-
6 753
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.

36 545
-
14 710
-
income
6 302
-
1 833
-
health
2 360
-
950
-
unemployment
52
-
20
-
pensions
5 665
-
2 280
-
total
14 379
-
5 083
-
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.

36 545
-
14 710
-
unemployment
22
-
9
-
pensions
3 234
-
1 302
-
health
2 434
-
979
-
total
5 690
-
2 290
-
Corporate
-
17 000
-
-
income
-
3 231
-
-
total
-
3 231
-
-
Dividends
-
13 769
-
-
withholding
-
2 065
-
-
total
-
2 065
-
-
Income
17 000
17 000
17 000
17 000
Total tax
20 069
5 296
7 373
6 753
After tax
-3 069
11 704
9 627
10 247
Living cost
22 167
22 167
22 167
22 167
Free-cash
-25 236
-10 463
-12 540
-11 920

Estimated living cost  is ₽22167 per week

₽15213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1421
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5105
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
-₽16096
-₽41958
-₽21417
-₽27177
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.

-
-
-
17 000
income
-
-
-
23 525
health

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

-
-
-
5 433
total
-
-
-
28 958
Employee
37 912
-
15 452
-
social contributions
3 798
-
1 548
-
income
4 114
-
-
-
total
7 912
-
1 548
-
Employer
37 912
-
15 452
-
social contributions
3 798
-
1 548
-
total
3 798
-
1 548
-
Corporate
-
17 000
-
-
income
-
5 950
-
-
total
-
5 950
-
-
Dividends
-
11 050
-
-
social contributions
2 467
2 467
-
-
total
2 467
2 467
-
-
Income
17 000
17 000
17 000
17 000
Total tax
14 177
8 417
3 096
28 958
After tax
2 823
8 583
13 904
-11 958
Living cost
30 000
30 000
30 000
30 000
Free-cash
-27 177
-21 417
-16 096
-41 958

Estimated living cost  is ₽30000 per week

₽19761
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7413
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
-₽8467
-₽6607
-₽7154
-₽13191
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
-
-
-
17 000
income
-
-
-
2 550
social contributions
-
-
-
2 346
health
-
-
-
1 187
total
-
-
-
6 083
Employee
28 021
-
17 000
-
income
4 674
-
4 410
-
social contributions
3 867
-
2 346
-
health
1 956
-
1 187
-
total
10 497
-
7 943
-
Employer
28 021
-
17 000
-
total
-
-
-
-
Corporate
-
17 000
-
-
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%.

-
850
-
-
total
-
850
-
-
Dividends
-
16 150
-
-
withholding
-
2 423
-
-
health
729
1 128
-
-
social contributions
1 441
2 229
-
-
total
2 170
5 780
-
-
Income
17 000
17 000
17 000
17 000
Total tax
12 667
6 630
7 943
6 083
After tax
4 333
10 370
9 057
10 917
Living cost
17 524
17 524
17 524
17 524
Free-cash
-13 191
-7 154
-8 467
-6 607

Estimated living cost  is ₽17524 per week

₽11728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4311
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
-₽14045
-₽14391
-₽10966
-₽27676
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
-
-
-
17 000
income
-
-
-
1 461
social contributions
-
-
-
4 964
solidarity contribution
-
-
-
-
health
-
-
-
2 295
total
-
-
-
8 720
Employee
33 340
-
12 687
-
solidarity contribution
-
-
-
-
income
4 001
-
1 522
-
social contributions
2 167
-
825
-
health
4 501
-
1 713
-
total
10 669
-
4 060
-
Employer
33 340
-
12 687
-
social contributions
8 335
-
3 172
-
health
3 001
-
1 142
-
total
11 336
-
4 314
-
Corporate
-
17 000
-
-
income
-
3 230
-
-
total
-
3 230
-
-
Dividends
-
13 770
-
-
withholding
-
2 065
-
-
total
-
2 065
-
-
Income
17 000
17 000
17 000
17 000
Total tax
22 005
5 295
8 374
8 720
After tax
-5 005
11 705
8 626
8 280
Living cost
22 671
22 671
22 671
22 671
Free-cash
-27 676
-10 966
-14 045
-14 391

Estimated living cost  is ₽22671 per week

₽16860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4163
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
₽3957
₽7187
₽6507
₽4699
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%.

-
-
-
17 000
microenterprise

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

-
-
-
170
total
-
-
-
170
Employee
12 054
-
17 000
-
income
2 411
-
3 400
-
total
2 411
-
3 400
-
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%.

4 946
17 000
-
-
total
-
-
-
-
Dividends
4 946
17 000
-
-
withholding
247
850
-
-
total
247
850
-
-
Income
17 000
17 000
17 000
17 000
Total tax
2 658
850
3 400
170
After tax
14 342
16 150
13 600
16 830
Living cost
9 643
9 643
9 643
9 643
Free-cash
4 699
6 507
3 957
7 187

Estimated living cost  is ₽9643 per week

₽6526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2389
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
-₽28796
-₽29875
-₽31348
-₽50927
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
-
-
-
17 000
income
-
-
-
-
social contributions
-
-
-
485
health
-
-
-
221
surtax
-
-
-
-
pensions
-
-
-
5 726
other
-
-
-
527
total
-
-
-
6 959
Employee
51 761
-
12 954
-
income
4 516
-
-
-
social contributions
1 474
-
370
-
surtax
-
-
-
-
pensions
5 855
-
1 465
-
total
11 845
-
1 835
-
Employer
51 761
-
12 954
-
unemployment
2 097
-
525
-
social contributions
155
-
39
-
pensions
8 505
-
2 128
-
other
1 786
-
447
-
health
3 623
-
906
-
total
16 166
-
4 045
-
Corporate
-
17 000
-
-
income
-
4 760
-
-
surtax
-
-
-
-
total
-
4 760
-
-
Dividends
-
12 240
-
-
withholding
-
1 567
-
-
surtax
-
-
-
-
social contributions
-
2 105
-
-
total
-
3 672
-
-
Income
17 000
17 000
17 000
17 000
Total tax
28 011
8 432
5 880
6 959
After tax
-11 011
8 568
11 120
10 041
Living cost
39 916
39 916
39 916
39 916
Free-cash
-50 927
-31 348
-28 796
-29 875

Estimated living cost  is ₽39916 per week

₽27014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9088
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
-₽4241
-₽4972
-₽1960
-₽8322
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.

-
-
-
17 000
income
-
-
-
1 303
health
-
-
-
1 751
unemployment
-
-
-
255
pensions
-
-
-
4 420
total
-
-
-
7 729
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.

21 478
-
14 419
-
income
2 961
-
1 547
-
health
1 106
-
743
-
unemployment
161
-
108
-
pensions
3 007
-
2 019
-
total
7 235
-
4 417
-
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.

21 478
-
14 419
-
unemployment
161
-
108
-
pensions
2 577
-
1 730
-
health
1 106
-
743
-
total
3 844
-
2 581
-
Corporate
-
17 000
-
-
income
-
2 550
-
-
total
-
2 550
-
-
Dividends
-
14 450
-
-
withholding
-
2 167
-
-
total
-
2 167
-
-
Income
17 000
17 000
17 000
17 000
Total tax
11 079
4 717
6 998
7 729
After tax
5 921
12 283
10 002
9 271
Living cost
14 243
14 243
14 243
14 243
Free-cash
-8 322
-1 960
-4 241
-4 972

Estimated living cost  is ₽14243 per week

₽9590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3139
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
-₽45383
-₽43214
-₽50070
-₽57140
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
-
-
-
17 000
regional
-
-
-
100
national
-
-
-
-
health
-
-
-
189
city
-
-
-
177
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.

-
-
-
340
pensions
-
-
-
1 564
total
-
-
-
2 370
Employee
67 693
-
14 520
-
regional
2 217
-
48
-
city
726
-
147
-
health
153
-
33
-
unemployment
-
-
-
-
national
320
-
-
-
pensions
5 687
-
1 994
-
total
9 103
-
2 222
-
Employer
67 693
-
14 520
-
unemployment
-
-
-
-
pensions
5 687
-
1 994
-
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.

1 353
-
290
-
health
153
-
33
-
total
7 193
-
2 317
-
Corporate
-
17 000
-
-
regional
-
3 595
-
-
national
-
1 446
-
-
total
-
5 041
-
-
Dividends
-
11 959
-
-
withholding
-
4 185
-
-
total
-
4 185
-
-
Income
17 000
17 000
17 000
17 000
Total tax
16 296
9 226
4 539
2 370
After tax
704
7 774
12 461
14 630
Living cost
57 844
57 844
57 844
57 844
Free-cash
-57 140
-50 070
-45 383
-43 214

Estimated living cost  is ₽57844 per week

₽37615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14328
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
-₽20970
-₽17789
-₽19966
-₽34684
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

-
-
-
17 000
municipal
-
-
-
3 060
national
-
-
-
-
health
-
-
-
-
total
-
-
-
3 060
Employee
43 481
-
14 302
-
health
325
-
-
-
unemployment
652
-
215
-
national
718
-
-
-
municipal
7 122
-
2 362
-
pensions
2 934
-
966
-
total
11 751
-
3 543
-
Employer
43 481
-
14 302
-
unemployment
282
-
93
-
pensions
7 544
-
2 481
-
accident
44
-
14
-
health
334
-
110
-
total
8 204
-
2 698
-
Corporate
-
17 000
-
-
income
-
3 400
-
-
total
-
3 400
-
-
Dividends

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

-
10 200
-
-
national
-
-
-
-
municipal
-
1 837
-
-
total
-
1 837
-
-
Income
17 000
17 000
17 000
17 000
Total tax
19 955
5 237
6 241
3 060
After tax
-2 955
11 763
10 759
13 940
Living cost
31 729
31 729
31 729
31 729
Free-cash
-34 684
-19 966
-20 970
-17 789

Estimated living cost  is ₽31729 per week

₽20725
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3052
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7448
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
-₽22235
-₽21409
-₽20359
-₽59322
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
-
-
-
17 000
national
-
-
-
3 160
social contributions
-
-
-
4 357
communal

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

-
-
-
759
total
-
-
-
8 276
Employee

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

59 116
-
13 167
-
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.

2 777
-
619
-
communal

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

3 083
-
687
-
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.

514
-
114
-
national
18 174
-
2 861
-
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.

4 434
-
988
-
total
28 982
-
5 269
-
Employer

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

59 116
-
13 167
-
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.

863
-
193
-
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.

5 238
-
1 167
-
surtax
6 703
-
1 493
-
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.

768
-
171
-
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.

3 635
-
809
-
total
17 207
-
3 833
-
Corporate
-
17 000
-
-
income
-
3 400
-
-
surtax
-
67
-
-
total
-
3 467
-
-
Dividends
-
13 532
-
-
withholding

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

-
3 759
-
-
total
-
3 759
-
-
Income
17 000
17 000
17 000
17 000
Total tax
46 189
7 226
9 102
8 276
After tax
-29 189
9 774
7 898
8 724
Living cost
30 133
30 133
30 133
30 133
Free-cash
-59 322
-20 359
-22 235
-21 409

Estimated living cost  is ₽30133 per week

₽19410
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2635
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7617
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
-₽24905
-₽25509
-₽24701
-₽46637
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
-
-
-
17 000
municipal
-
-
-
3 601
national
-
-
-
-
health
-
-
-
1 061
accident
-
-
-
34
unemployment
-
-
-
17
pensions
-
-
-
1 838
other
-
-
-
1 975
total
-
-
-
8 526
Employee
48 422
-
12 935
-
national
-
-
-
-
municipal
14 440
-
3 857
-
total
14 440
-
3 857
-
Employer
48 422
-
12 935
-
unemployment
1 278
-
342
-
pensions
5 234
-
1 398
-
other
5 627
-
1 503
-
accident
97
-
26
-
health
2 978
-
796
-
total
15 214
-
4 065
-
Corporate
-
17 000
-
-
income
-
3 740
-
-
total
-
3 740
-
-
Dividends
-
13 260
-
-
withholding
-
3 978
-
-
total
-
3 978
-
-
Income
17 000
17 000
17 000
17 000
Total tax
29 654
7 718
7 922
8 526
After tax
-12 654
9 282
9 078
8 474
Living cost
33 983
33 983
33 983
33 983
Free-cash
-46 637
-24 701
-24 905
-25 509

Estimated living cost  is ₽33983 per week

₽22522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3335
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7610
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
-₽33443
-₽25983
-₽27388
-₽113381
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
-
-
-
17 000
income
-
-
-
3 314
social contributions
-
-
-
1 938
total
-
-
-
5 252
Employee
54 100
-
6 129
-
income
11 933
-
1 209
-
social contributions
4 436
-
632
-
total
16 369
-
1 841
-
Employer
54 100
-
6 129
-
social contributions
76 281
-
10 871
-
total
76 281
-
10 871
-
Corporate
-
17 000
-
-
income
-
3 740
-
-
total
-
3 740
-
-
Dividends
-
13 260
-
-
income
-
2 917
-
-
total
-
2 917
-
-
Income
17 000
17 000
17 000
17 000
Total tax
92 650
6 657
12 712
5 252
After tax
-75 650
10 343
4 288
11 748
Living cost
37 731
37 731
37 731
37 731
Free-cash
-113 381
-27 388
-33 443
-25 983

Estimated living cost  is ₽37731 per week

₽24481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽9220
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
-₽21268
-₽15507
-₽28493
-₽23974
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
-
-
-
31 417
income
-
-
-
-
social contributions
-
-
-
4 901
health
-
-
-
801
total
-
-
-
5 702
Employee
63 549
63 549
63 549
-
income
6 673
5 883
7 145
-
social contributions
3 088
5 274
1 778
-
health
632
1 081
364
-
total
10 393
12 238
9 287
-
Employer
63 549
63 549
63 549
-
social contributions
3 088
5 274
1 778
-
health
688
1 176
397
-
total
3 776
6 450
2 175
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
17 000
17 000
17 000
17 000
Total tax
14 169
18 688
11 462
5 702
After tax
2 831
-1 688
5 538
11 298
Living cost
26 805
26 805
26 805
26 805
Free-cash
-23 974
-28 493
-21 268
-15 507

Estimated living cost  is ₽26805 per week

₽18324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5938
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
-₽17467
-₽16714
-₽17436
-₽29391
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
-
-
-
17 000
income
-
-
-
3 365
pensions
-
-
-
174
total
-
-
-
3 539
Employee
41 420
-
16 018
-
income
7 543
-
3 177
-
health
540
-
20
-
pensions
3 161
-
113
-
total
11 244
-
3 310
-
Employer
41 420
-
16 018
-
pensions
4 185
-
678
-
health
787
-
304
-
total
4 972
-
982
-
Corporate
-
17 000
-
-
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.

-
3 229
-
-
total
-
3 229
-
-
Dividends
-
13 771
-
-
withholding
-
1 032
-
-
total
-
1 032
-
-
Income
17 000
17 000
17 000
17 000
Total tax
16 216
4 261
4 292
3 539
After tax
784
12 739
12 708
13 461
Living cost
30 175
30 175
30 175
30 175
Free-cash
-29 391
-17 436
-17 467
-16 714

Estimated living cost  is ₽30175 per week

₽20700
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2775
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽6321
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
-₽26525
-₽25044
-₽23969
-₽52641
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
-
-
-
17 000
municipal
-
-
-
96
regional
-
-
-
183
national
-
-
-
2 437
social contributions
-
-
-
6 405
total
-
-
-
9 121
Employee
69 641
-
17 000
-
regional
1 051
-
149
-
social contributions
23 482
-
8 397
-
national
11 769
-
1 979
-
municipal
416
-
77
-
total
36 718
-
10 602
-
Employer
69 641
-
17 000
-
total
-
-
-
-
Corporate
-
17 000
-
-
nationa
-
4 081
-
-
municipal
-
819
-
-
total
-
4 900
-
-
Dividends
-
12 101
-
-
withholding
-
3 146
-
-
total
-
3 146
-
-
Income
17 000
17 000
17 000
17 000
Total tax
36 718
8 046
10 602
9 121
After tax
-19 718
8 954
6 398
7 879
Living cost
32 923
32 923
32 923
32 923
Free-cash
-52 641
-23 969
-26 525
-25 044

Estimated living cost  is ₽32923 per week

₽23126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7034
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
-₽8300
-₽7795
-₽15901
-₽15719
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
-
-
-
17 000
income
-
-
-
2 047
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 268
other
-
-
-
291
total
-
-
-
7 517
Employee
27 179
-
14 122
-
income
3 729
-
1 937
-
health
3 112
-
1 617
-
pensions
3 060
-
1 590
-
total
9 901
-
5 144
-
Employer
27 179
-
14 122
-
unemployment
666
-
346
-
pensions
4 420
-
2 296
-
accident
454
-
236
-
total
5 540
-
2 878
-
Corporate
-
17 000
-
-
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.

-
15 300
-
-
total
-
15 300
-
-
Dividends
-
1 700
-
-
withholding
-
323
-
-
total
-
323
-
-
Income
17 000
17 000
17 000
17 000
Total tax
15 441
15 623
8 022
7 517
After tax
1 559
1 377
8 978
9 483
Living cost
17 278
17 278
17 278
17 278
Free-cash
-15 719
-15 901
-8 300
-7 795

Estimated living cost  is ₽17278 per week

₽12663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
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.
₽3297
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
-₽20553
-₽20553
-₽22947
-₽24121
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.

-
-
-
17 000
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.

-
-
-
5 646
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
-
-
-
5 646
Employee

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

41 120
-
17 000
-
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.

3 381
-
-
-
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.

5 646
-
5 646
-
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.

187
-
-
-
total
9 214
-
5 646
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
17 000
-
-
chamber of commerce
-
151
-
-
income
-
2 550
-
-
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.

-
140
-
-
trade
-
2 439
-
-
total
-
5 280
-
-
Dividends
-
11 721
-
-
withholding
-
2 616
-
-
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.

-
144
-
-
total
-
2 760
-
-
Income
17 000
17 000
17 000
17 000
Total tax
9 214
8 040
5 646
5 646
After tax
7 786
8 960
11 354
11 354
Living cost
31 907
31 907
31 907
31 907
Free-cash
-24 121
-22 947
-20 553
-20 553

Estimated living cost  is ₽31907 per week

₽22010
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽6000
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
-₽7439
-₽5345
-₽3593
-₽12966
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.

-
-
-
17 000
microenterprise
-
-
-
2 550
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.

-
-
-
2 602
surtax
-
-
-
-
total
-
-
-
5 152
Employee
24 149
-
13 700
-
income
4 299
-
2 439
-
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.

2 657
-
1 507
-
surtax
-
-
-
-
total
6 956
-
3 946
-
Employer
24 149
-
13 700
-
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.

5 817
-
3 300
-
surtax
-
-
-
-
total
5 817
-
3 300
-
Corporate
-
17 000
-
-
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%.

-
3 400
-
-
total
-
3 400
-
-
Dividends

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

-
13 600
-
-
total
-
-
-
-
Income
17 000
17 000
17 000
17 000
Total tax
12 773
3 400
7 246
5 152
After tax
4 227
13 600
9 754
11 848
Living cost
17 193
17 193
17 193
17 193
Free-cash
-12 966
-3 593
-7 439
-5 345

Estimated living cost  is ₽17193 per week

₽10969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1637
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
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.
₽4197
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
-₽1478
-₽1960
-₽67
-₽2918
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
-
-
-
17 000
income
-
-
-
2 420
health
-
-
-
2 465
pensions
-
-
-
3 400
total
-
-
-
8 285
Employee
16 260
-
13 878
-
income
3 145
-
2 599
-
health
813
-
694
-
unemployment
163
-
139
-
pensions
1 463
-
1 249
-
total
5 584
-
4 681
-
Employer
16 260
-
13 878
-
unemployment
325
-
278
-
pensions
1 789
-
1 526
-
health
1 545
-
1 318
-
total
3 659
-
3 122
-
Corporate
-
17 000
-
-
income
-
3 740
-
-
total
-
3 740
-
-
Dividends
-
13 260
-
-
withholding
-
2 652
-
-
total
-
2 652
-
-
Income
17 000
17 000
17 000
17 000
Total tax
9 243
6 392
7 803
8 285
After tax
7 757
10 608
9 197
8 715
Living cost
10 675
10 675
10 675
10 675
Free-cash
-2 918
-67
-1 478
-1 960

Estimated living cost  is ₽10675 per week

₽6344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3221
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
-₽9145
-₽8799
-₽7870
-₽16692
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
-
-
-
17 000
income
-
-
-
2 442
health
-
-
-
1 206
unemployment
-
-
-
188
surtax
-
-
-
-
pensions
-
-
-
3 400
other
-
-
-
-
total
-
-
-
7 236
Employee
27 832
-
14 044
-
other
-
-
-
-
income
4 666
-
2 354
-
health
710
-
359
-
unemployment
1 937
-
977
-
surtax
99
-
-
-
pensions
1 857
-
936
-
total
9 269
-
4 626
-
Employer
27 832
-
14 044
-
unemployment
883
-
445
-
pensions
3 711
-
1 873
-
other
-
-
-
-
health
1 266
-
638
-
total
5 860
-
2 956
-
Corporate
-
17 000
-
-
income
-
4 420
-
-
total
-
4 420
-
-
Dividends
-
12 580
-
-
withholding
-
1 887
-
-
total
-
1 887
-
-
Income
17 000
17 000
17 000
17 000
Total tax
15 129
6 307
7 582
7 236
After tax
1 871
10 693
9 418
9 764
Living cost
18 563
18 563
18 563
18 563
Free-cash
-16 692
-7 870
-9 145
-8 799

Estimated living cost  is ₽18563 per week

₽11207
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5312
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
-₽22378
-₽18946
-₽28022
-₽30307
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
-
-
-
17 000
income
-
-
-
-
chamber of commerce
-
-
-
67
health