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
₽ 17500
per

Your estimated
City
free-cash

Valencia , Spain
-₽22419
-₽16803
-₽12613
-₽10574
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
-
-
-
17 500
unemployment
-
-
-
123
income
-
-
-
2 322
other
-
-
-
17
accident
-
-
-
158
pensions
-
-
-
4 982
total
-
-
-
7 602
Employee
30 269
-
8 785
-
unemployment
469
-
424
-
pensions
1 423
-
1 285
-
income
5 836
-
1 339
-
other
30
-
28
-
total
7 758
-
3 076
-
Employer
30 269
-
8 785
-
pensions
7 143
-
6 452
-
accident
600
-
541
-
unemployment
1 665
-
1 504
-
other
242
-
219
-
total
9 650
-
8 716
-
Corporate
-
17 500
-
-
income

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

-
2 625
-
-
total
-
2 625
-
-
Dividends
-
14 875
-
-
withholding
-
2 938
-
-
total
-
2 938
-
-
Income
17 500
17 500
17 500
17 500
Total tax
17 408
5 563
11 792
7 602
After tax
92
11 937
5 708
9 898
Living cost
22 511
22 511
22 511
22 511
Free-cash
-22 419
-10 574
-16 803
-12 613

Estimated living cost  is ₽22511 per week

₽15195
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2164
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4758
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
-₽19715
-₽11557
-₽12339
-₽8957
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
-
-
-
17 500
pensions

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

-
-
-
4 201
income
-
-
-
2 223
other
-
-
-
831
health
-
-
-
771
total
-
-
-
8 026
Employee
29 723
-
13 978
-
health
416
-
196
-
unemployment
297
-
140
-
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.

2 080
-
979
-
income
5 117
-
2 406
-
total
7 910
-
3 721
-
Employer
29 723
-
13 978
-
health
416
-
196
-
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.

5 054
-
2 377
-
accident
238
-
112
-
unemployment
297
-
140
-
other
1 487
-
698
-
total
7 492
-
3 523
-
Corporate
-
17 500
-
-
income
-
3 676
-
-
total
-
3 676
-
-
Dividends
-
13 824
-
-
withholding
-
968
-
-
total
-
968
-
-
Income
17 500
17 500
17 500
17 500
Total tax
15 402
4 644
7 244
8 026
After tax
2 098
12 856
10 256
9 474
Living cost
21 813
21 813
21 813
21 813
Free-cash
-19 715
-8 957
-11 557
-12 339

Estimated living cost  is ₽21813 per week

₽15412
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4577
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
₽409
₽303
-₽543
₽4217
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
-
-
-
17 500
pensions

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

-
-
-
2 590
unemployment
-
-
-
70
income
-
-
-
2 625
health
-
-
-
2 012
total
-
-
-
7 297
Employee
14 230
-
14 631
-
health
655
-
674
-
accident

We are using the highest rate at 1.1%.

157
-
161
-
pensions

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

1 249
-
1 284
-
income
1 423
-
1 463
-
total
3 484
-
3 582
-
Employer
14 230
-
14 631
-
health
982
-
1 009
-
pensions

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

1 568
-
1 612
-
accident

We are using the highest rate at 1.1%.

157
-
161
-
unemployment
85
-
87
-
total
2 792
-
2 869
-
Corporate
478
17 500
-
-
income
48
1 750
-
-
total
48
1 750
-
-
Dividends
430
15 750
-
-
withholding
21
787
-
-
total
21
787
-
-
Income
17 500
17 500
17 500
17 500
Total tax
6 345
2 537
6 451
7 297
After tax
11 155
14 963
11 049
10 203
Living cost
10 746
10 746
10 746
10 746
Free-cash
409
4 217
303
-543

Estimated living cost  is ₽10746 per week

₽6274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽285
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.
₽3420
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
-₽28478
-₽16559
-₽17612
-₽19188
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
-
-
-
17 500
income
-
-
-
-
other
-
-
-
542
health
-
-
-
219
social contributions
-
-
-
499
pensions
-
-
-
5 844
surtax
-
-
-
-
total
-
-
-
7 104
Employee
35 036
-
13 335
-
pensions
3 961
-
1 507
-
income
2 068
-
-
-
social contributions
999
-
379
-
surtax
-
-
-
-
total
7 028
-
1 886
-
Employer
35 036
-
13 335
-
health
2 453
-
934
-
social contributions
106
-
40
-
pensions
5 756
-
2 190
-
unemployment
1 418
-
541
-
other
1 209
-
460
-
total
10 942
-
4 165
-
Corporate
-
17 500
-
-
income
-
4 900
-
-
surtax
-
-
-
-
total
-
4 900
-
-
Dividends
-
12 600
-
-
social contributions
-
2 167
-
-
surtax
-
-
-
-
withholding
-
1 613
-
-
total
-
3 780
-
-
Income
17 500
17 500
17 500
17 500
Total tax
17 970
8 680
6 051
7 104
After tax
-470
8 820
11 449
10 396
Living cost
28 008
28 008
28 008
28 008
Free-cash
-28 478
-19 188
-16 559
-17 612

Estimated living cost  is ₽28008 per week

₽17660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2277
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7595
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
-₽63791
-₽63791
-₽24203
-₽59196
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
-
-
-
17 500
pensions
-
-
-
3 149
income
-
-
-
1 575
health
-
-
-
2 686
total
-
-
-
7 410
Employee
69 907
69 907
69 907
-
health
10 730
9 127
10 730
-
pensions
12 583
9 591
12 583
-
income

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

11 443
11 443
11 443
-
total
34 756
30 161
34 756
-
Employer
69 907
69 907
69 907
-
health
4 859
4 859
4 859
-
pensions
4 866
4 866
4 866
-
unemployment
2 517
2 517
2 517
-
total
12 242
12 242
12 242
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
17 500
17 500
17 500
17 500
Total tax
46 998
42 403
46 998
7 410
After tax
-29 498
-24 903
-29 498
10 090
Living cost
34 293
34 293
34 293
34 293
Free-cash
-63 791
-59 196
-63 791
-24 203

Estimated living cost  is ₽34293 per week

₽24303
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3091
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6354
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
-₽13811
-₽12888
-₽12888
-₽15761
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.

-
-
-
17 500
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.

-
-
-
5 593
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
-
-
-
5 593
Employee

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

31 311
-
17 500
-
health

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

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

5 593
-
5 593
-
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.

875
-
-
-
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
6 516
-
5 593
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
17 500
-
-
income
-
2 625
-
-
trade
-
2 756
-
-
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
-
-
chamber of commerce
-
149
-
-
total
-
5 674
-
-
Dividends
-
11 825
-
-
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.

-
146
-
-
withholding
-
2 646
-
-
total
-
2 792
-
-
Income
17 500
17 500
17 500
17 500
Total tax
6 516
8 466
5 593
5 593
After tax
10 984
9 034
11 907
11 907
Living cost
24 795
24 795
24 795
24 795
Free-cash
-13 811
-15 761
-12 888
-12 888

Estimated living cost  is ₽24795 per week

₽15597
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2891
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.
₽5844
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
-₽14085
-₽12808
-₽7102
-₽19963
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
-
-
-
31 120
income
-
-
-
-
health
-
-
-
794
social contributions
-
-
-
4 855
total
-
-
-
5 649
Employee
62 948
62 948
62 948
-
health
488
1 070
360
-
income
6 854
5 827
7 078
-
social contributions
2 380
5 224
1 762
-
total
9 722
12 121
9 200
-
Employer
62 948
62 948
62 948
-
health
530
1 165
393
-
social contributions
2 380
5 224
1 762
-
total
2 910
6 389
2 155
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
17 500
17 500
17 500
17 500
Total tax
12 632
18 510
11 355
5 649
After tax
4 868
-1 010
6 145
11 851
Living cost
18 953
18 953
18 953
18 953
Free-cash
-14 085
-19 963
-12 808
-7 102

Estimated living cost  is ₽18953 per week

₽11359
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1860
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5316
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
-₽29093
-₽15051
-₽15281
-₽15725
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.

-
-
-
17 500
income
-
-
-
1 021
social contributions

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

-
-
-
6 082
surtax
-
-
-
-
total
-
-
-
7 103
Employee
37 650
-
14 141
-
income
7 831
-
1 959
-
social contributions
4 142
-
1 555
-
surtax
-
-
-
-
total
11 973
-
3 514
-
Employer
37 650
-
14 141
-
social contributions
8 942
-
3 359
-
total
8 942
-
3 359
-
Corporate
-
17 500
-
-
income
-
3 676
-
-
surtax
-
-
-
-
total
-
3 676
-
-
Dividends
-
13 824
-
-
withholding
-
3 871
-
-
total
-
3 871
-
-
Income
17 500
17 500
17 500
17 500
Total tax
20 915
7 547
6 873
7 103
After tax
-3 415
9 953
10 627
10 397
Living cost
25 678
25 678
25 678
25 678
Free-cash
-29 093
-15 725
-15 051
-15 281

Estimated living cost  is ₽25678 per week

₽19212
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1515
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽4522
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
₽9385
₽7903
₽11228
₽10528
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%.

-
-
-
17 500
microenterprise

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

-
-
-
175
total
-
-
-
175
Employee
7 621
-
17 500
-
income
1 524
-
3 500
-
total
1 524
-
3 500
-
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%.

9 879
17 500
-
-
total
-
-
-
-
Dividends
9 879
17 500
-
-
withholding
494
875
-
-
total
494
875
-
-
Income
17 500
17 500
17 500
17 500
Total tax
2 018
875
3 500
175
After tax
15 482
16 625
14 000
17 325
Living cost
6 097
6 097
6 097
6 097
Free-cash
9 385
10 528
7 903
11 228

Estimated living cost  is ₽6097 per week

₽3778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
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.
₽1644
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
-₽24336
-₽12050
-₽11421
-₽9908
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.

-
-
-
17 500
pensions
-
-
-
3 196
unemployment
-
-
-
26
income
-
-
-
2 019
health
-
-
-
1 723
total
-
-
-
6 964
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.

36 200
-
15 142
-
health
2 338
-
979
-
unemployment
51
-
22
-
pensions
5 611
-
2 347
-
income
6 243
-
1 887
-
total
14 243
-
5 235
-
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.

36 200
-
15 142
-
health
2 411
-
1 008
-
pensions
3 203
-
1 341
-
unemployment
22
-
9
-
total
5 636
-
2 358
-
Corporate
-
17 500
-
-
income
-
3 324
-
-
total
-
3 324
-
-
Dividends
-
14 176
-
-
withholding
-
2 127
-
-
total
-
2 127
-
-
Income
17 500
17 500
17 500
17 500
Total tax
19 879
5 451
7 593
6 964
After tax
-2 379
12 049
9 907
10 536
Living cost
21 957
21 957
21 957
21 957
Free-cash
-24 336
-9 908
-12 050
-11 421

Estimated living cost  is ₽21957 per week

₽15069
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1407
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.
₽5057
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
-₽26261
-₽15430
-₽40676
-₽20785
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.

-
-
-
17 500
income
-
-
-
23 302
health

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

-
-
-
5 158
total
-
-
-
28 460
Employee
37 554
-
15 906
-
social contributions
3 763
-
1 594
-
income
4 075
-
26
-
total
7 838
-
1 620
-
Employer
37 554
-
15 906
-
social contributions
3 763
-
1 594
-
total
3 763
-
1 594
-
Corporate
-
17 500
-
-
income
-
6 125
-
-
total
-
6 125
-
-
Dividends
-
11 375
-
-
social contributions
2 444
2 444
-
-
total
2 444
2 444
-
-
Income
17 500
17 500
17 500
17 500
Total tax
14 045
8 569
3 214
28 460
After tax
3 455
8 931
14 286
-10 960
Living cost
29 716
29 716
29 716
29 716
Free-cash
-26 261
-20 785
-15 430
-40 676

Estimated living cost  is ₽29716 per week

₽19574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2343
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7343
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
-₽12406
-₽8149
-₽6121
-₽6682
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
-
-
-
17 500
income
-
-
-
2 625
health
-
-
-
1 221
social contributions
-
-
-
2 416
total
-
-
-
6 262
Employee
27 756
-
17 500
-
health
1 937
-
1 221
-
income
4 629
-
4 653
-
social contributions
3 831
-
2 416
-
total
10 397
-
8 290
-
Employer
27 756
-
17 500
-
total
-
-
-
-
Corporate
-
17 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

-
875
-
-
total
-
875
-
-
Dividends
-
16 625
-
-
social contributions
1 428
2 295
-
-
withholding
-
2 493
-
-
health
722
1 160
-
-
total
2 150
5 948
-
-
Income
17 500
17 500
17 500
17 500
Total tax
12 547
6 823
8 290
6 262
After tax
4 953
10 677
9 210
11 238
Living cost
17 359
17 359
17 359
17 359
Free-cash
-12 406
-6 682
-8 149
-6 121

Estimated living cost  is ₽17359 per week

₽11617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1070
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽4271
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
-₽27571
-₽13991
-₽14348
-₽10823
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
-
-
-
17 500
income
-
-
-
1 504
health
-
-
-
2 362
social contributions
-
-
-
5 110
solidarity contribution
-
-
-
-
total
-
-
-
8 976
Employee
33 635
-
13 060
-
health
4 541
-
1 763
-
solidarity contribution
-
-
-
-
income
4 036
-
1 567
-
social contributions
2 186
-
849
-
total
10 763
-
4 179
-
Employer
33 635
-
13 060
-
health
3 027
-
1 175
-
social contributions
8 409
-
3 265
-
total
11 436
-
4 440
-
Corporate
-
17 500
-
-
income
-
3 325
-
-
total
-
3 325
-
-
Dividends
-
14 175
-
-
withholding
-
2 126
-
-
total
-
2 126
-
-
Income
17 500
17 500
17 500
17 500
Total tax
22 199
5 451
8 619
8 976
After tax
-4 699
12 049
8 881
8 524
Living cost
22 872
22 872
22 872
22 872
Free-cash
-27 571
-10 823
-13 991
-14 348

Estimated living cost  is ₽22872 per week

₽17009
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽4200
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
₽5343
₽4499
₽7824
₽7124
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%.

-
-
-
17 500
microenterprise

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

-
-
-
175
total
-
-
-
175
Employee
11 876
-
17 500
-
income
2 375
-
3 500
-
total
2 375
-
3 500
-
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%.

5 624
17 500
-
-
total
-
-
-
-
Dividends
5 624
17 500
-
-
withholding
281
875
-
-
total
281
875
-
-
Income
17 500
17 500
17 500
17 500
Total tax
2 656
875
3 500
175
After tax
14 844
16 625
14 000
17 325
Living cost
9 501
9 501
9 501
9 501
Free-cash
5 343
7 124
4 499
7 824

Estimated living cost  is ₽9501 per week

₽6429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
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.
₽2354
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
-₽49785
-₽28089
-₽29142
-₽30718
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
-
-
-
17 500
income
-
-
-
-
other
-
-
-
542
health
-
-
-
219
social contributions
-
-
-
499
pensions
-
-
-
5 844
surtax
-
-
-
-
total
-
-
-
7 104
Employee
51 272
-
13 335
-
pensions
5 799
-
1 507
-
income
4 474
-
-
-
social contributions
1 460
-
379
-
surtax
-
-
-
-
total
11 733
-
1 886
-
Employer
51 272
-
13 335
-
health
3 589
-
934
-
social contributions
154
-
40
-
pensions
8 425
-
2 190
-
unemployment
2 077
-
541
-
other
1 769
-
460
-
total
16 014
-
4 165
-
Corporate
-
17 500
-
-
income
-
4 900
-
-
surtax
-
-
-
-
total
-
4 900
-
-
Dividends
-
12 600
-
-
social contributions
-
2 167
-
-
surtax
-
-
-
-
withholding
-
1 613
-
-
total
-
3 780
-
-
Income
17 500
17 500
17 500
17 500
Total tax
27 747
8 680
6 051
7 104
After tax
-10 247
8 820
11 449
10 396
Living cost
39 538
39 538
39 538
39 538
Free-cash
-49 785
-30 718
-28 089
-29 142

Estimated living cost  is ₽39538 per week

₽26759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽9002
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
-₽7580
-₽3861
-₽4616
-₽1463
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.

-
-
-
17 500
pensions
-
-
-
4 550
unemployment
-
-
-
262
income
-
-
-
1 394
health
-
-
-
1 803
total
-
-
-
8 009
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.

21 272
-
14 843
-
health
1 095
-
764
-
unemployment
160
-
111
-
pensions
2 978
-
2 078
-
income
2 932
-
1 645
-
total
7 165
-
4 598
-
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.

21 272
-
14 843
-
health
1 095
-
764
-
pensions
2 553
-
1 781
-
unemployment
160
-
111
-
total
3 808
-
2 656
-
Corporate
-
17 500
-
-
income
-
2 625
-
-
total
-
2 625
-
-
Dividends
-
14 875
-
-
withholding
-
2 231
-
-
total
-
2 231
-
-
Income
17 500
17 500
17 500
17 500
Total tax
10 973
4 856
7 254
8 009
After tax
6 527
12 644
10 246
9 491
Living cost
14 107
14 107
14 107
14 107
Free-cash
-7 580
-1 463
-3 861
-4 616

Estimated living cost  is ₽14107 per week

₽9498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1091
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3109
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
-₽55402
-₽43951
-₽41819
-₽48877
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
-
-
-
17 500
pensions
-
-
-
1 610
city
-
-
-
183
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.

-
-
-
351
health
-
-
-
186
regional
-
-
-
111
national
-
-
-
-
total
-
-
-
2 441
Employee
66 562
-
15 005
-
health
150
-
34
-
unemployment
-
-
-
-
city
714
-
152
-
pensions
5 592
-
1 997
-
regional
2 180
-
60
-
national
315
-
-
-
total
8 951
-
2 243
-
Employer
66 562
-
15 005
-
health
150
-
34
-
pensions
5 592
-
1 997
-
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.

1 331
-
299
-
total
7 073
-
2 330
-
Corporate
-
17 500
-
-
regional
-
3 702
-
-
national
-
1 487
-
-
total
-
5 189
-
-
Dividends
-
12 311
-
-
withholding
-
4 310
-
-
total
-
4 310
-
-
Income
17 500
17 500
17 500
17 500
Total tax
16 024
9 499
4 573
2 441
After tax
1 476
8 001
12 927
15 059
Living cost
56 878
56 878
56 878
56 878
Free-cash
-55 402
-48 877
-43 951
-41 819

Estimated living cost  is ₽56878 per week

₽36987
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5104
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽698
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.
₽14088
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
-₽33695
-₽20352
-₽17079
-₽19320
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

-
-
-
17 500
municipal
-
-
-
3 150
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 150
Employee
43 069
-
14 722
-
health
322
-
-
-
unemployment
646
-
221
-
pensions
2 907
-
994
-
national
711
-
-
-
municipal
7 054
-
2 431
-
total
11 640
-
3 646
-
Employer
43 069
-
14 722
-
health
331
-
113
-
pensions
7 472
-
2 554
-
accident
43
-
14
-
unemployment
280
-
96
-
total
8 126
-
2 777
-
Corporate
-
17 500
-
-
income
-
3 500
-
-
total
-
3 500
-
-
Dividends

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

-
10 500
-
-
municipal
-
1 891
-
-
national
-
-
-
-
total
-
1 891
-
-
Income
17 500
17 500
17 500
17 500
Total tax
19 766
5 391
6 423
3 150
After tax
-2 266
12 109
11 077
14 350
Living cost
31 429
31 429
31 429
31 429
Free-cash
-33 695
-19 320
-20 352
-17 079

Estimated living cost  is ₽31429 per week

₽20529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7378
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
-₽58103
-₽21717
-₽20752
-₽19799
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
-
-
-
17 500
communal

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

-
-
-
791
social contributions
-
-
-
4 316
national
-
-
-
3 297
total
-
-
-
8 404
Employee

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

58 557
-
13 554
-
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.

2 751
-
637
-
communal

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

3 054
-
707
-
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.

510
-
118
-
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.

4 392
-
1 016
-
national
18 003
-
2 945
-
total
28 710
-
5 423
-
Employer

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

58 557
-
13 554
-
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.

3 601
-
834
-
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.

5 189
-
1 201
-
surtax
6 640
-
1 538
-
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.

761
-
176
-
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.

854
-
197
-
total
17 045
-
3 946
-
Corporate
-
17 500
-
-
income
-
3 500
-
-
surtax
-
70
-
-
total
-
3 570
-
-
Dividends
-
13 930
-
-
withholding

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

-
3 881
-
-
total
-
3 881
-
-
Income
17 500
17 500
17 500
17 500
Total tax
45 755
7 451
9 369
8 404
After tax
-28 255
10 049
8 131
9 096
Living cost
29 848
29 848
29 848
29 848
Free-cash
-58 103
-19 799
-21 717
-20 752

Estimated living cost  is ₽29848 per week

₽19226
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2610
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽7545
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
-₽48812
-₽26067
-₽26688
-₽25857
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
-
-
-
17 500
unemployment
-
-
-
17
municipal
-
-
-
3 707
other
-
-
-
2 033
health
-
-
-
1 092
national
-
-
-
-
accident
-
-
-
35
pensions
-
-
-
1 892
total
-
-
-
8 776
Employee
50 458
-
13 316
-
national
-
-
-
-
municipal
15 047
-
3 971
-
total
15 047
-
3 971
-
Employer
50 458
-
13 316
-
health
3 103
-
819
-
pensions
5 454
-
1 439
-
accident
101
-
27
-
unemployment
1 332
-
352
-
other
5 863
-
1 547
-
total
15 853
-
4 184
-
Corporate
-
17 500
-
-
income
-
3 850
-
-
total
-
3 850
-
-
Dividends
-
13 650
-
-
withholding
-
4 095
-
-
total
-
4 095
-
-
Income
17 500
17 500
17 500
17 500
Total tax
30 900
7 945
8 155
8 776
After tax
-13 400
9 555
9 345
8 724
Living cost
35 412
35 412
35 412
35 412
Free-cash
-48 812
-25 857
-26 067
-26 688

Estimated living cost  is ₽35412 per week

₽23469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3475
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7930
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
-₽117502
-₽34710
-₽26974
-₽28421
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
-
-
-
17 500
income
-
-
-
3 411
social contributions
-
-
-
1 995
total
-
-
-
5 406
Employee
56 018
-
6 243
-
income
12 356
-
1 230
-
social contributions
4 593
-
655
-
total
16 949
-
1 885
-
Employer
56 018
-
6 243
-
social contributions
78 985
-
11 257
-
total
78 985
-
11 257
-
Corporate
-
17 500
-
-
income
-
3 850
-
-
total
-
3 850
-
-
Dividends
-
13 650
-
-
income
-
3 003
-
-
total
-
3 003
-
-
Income
17 500
17 500
17 500
17 500
Total tax
95 934
6 853
13 142
5 406
After tax
-78 434
10 647
4 358
12 094
Living cost
39 068
39 068
39 068
39 068
Free-cash
-117 502
-28 421
-34 710
-26 974

Estimated living cost  is ₽39068 per week

₽25349
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽9547
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
-₽23088
-₽20407
-₽14701
-₽27562
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
-
-
-
31 120
income
-
-
-
-
health
-
-
-
794
social contributions
-
-
-
4 855
total
-
-
-
5 649
Employee
62 948
62 948
62 948
-
health
626
1 070
360
-
income
6 610
5 827
7 078
-
social contributions
3 059
5 224
1 762
-
total
10 295
12 121
9 200
-
Employer
62 948
62 948
62 948
-
health
682
1 165
393
-
social contributions
3 059
5 224
1 762
-
total
3 741
6 389
2 155
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
17 500
17 500
17 500
17 500
Total tax
14 036
18 510
11 355
5 649
After tax
3 464
-1 010
6 145
11 851
Living cost
26 552
26 552
26 552
26 552
Free-cash
-23 088
-27 562
-20 407
-14 701

Estimated living cost  is ₽26552 per week

₽18151
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2074
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5882
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
-₽27310
-₽16231
-₽15358
-₽16034
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
-
-
-
17 500
income
-
-
-
3 448
pensions
-
-
-
264
total
-
-
-
3 712
Employee
40 007
-
16 404
-
health
522
-
38
-
pensions
3 054
-
221
-
income
7 286
-
3 230
-
total
10 862
-
3 489
-
Employer
40 007
-
16 404
-
health
760
-
311
-
pensions
4 042
-
785
-
total
4 802
-
1 096
-
Corporate
-
17 500
-
-
income

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

-
3 325
-
-
total
-
3 325
-
-
Dividends
-
14 175
-
-
withholding
-
1 063
-
-
total
-
1 063
-
-
Income
17 500
17 500
17 500
17 500
Total tax
15 664
4 388
4 585
3 712
After tax
1 836
13 112
12 915
13 788
Living cost
29 146
29 146
29 146
29 146
Free-cash
-27 310
-16 034
-16 231
-15 358

Estimated living cost  is ₽29146 per week

₽19994
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽6105
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
-₽51482
-₽25782
-₽24316
-₽23396
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
-
-
-
17 500
municipal
-
-
-
101
regional
-
-
-
193
social contributions
-
-
-
6 344
national
-
-
-
2 566
total
-
-
-
9 204
Employee
68 982
-
17 500
-
social contributions
23 260
-
8 317
-
regional
1 041
-
158
-
national
11 657
-
2 113
-
municipal
412
-
82
-
total
36 370
-
10 670
-
Employer
68 982
-
17 500
-
total
-
-
-
-
Corporate
-
17 500
-
-
nationa
-
4 201
-
-
municipal
-
844
-
-
total
-
5 045
-
-
Dividends
-
12 456
-
-
withholding
-
3 239
-
-
total
-
3 239
-
-
Income
17 500
17 500
17 500
17 500
Total tax
36 370
8 284
10 670
9 204
After tax
-18 870
9 216
6 830
8 296
Living cost
32 612
32 612
32 612
32 612
Free-cash
-51 482
-23 396
-25 782
-24 316

Estimated living cost  is ₽32612 per week

₽22908
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽6967
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
-₽15323
-₽8091
-₽7452
-₽15916
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
-
-
-
17 500
pensions
-
-
-
3 278
income
-
-
-
2 132
other
-
-
-
292
health
-
-
-
1 718
accident
-
-
-
199
total
-
-
-
7 619
Employee
27 266
-
14 537
-
health
3 122
-
1 664
-
pensions
3 070
-
1 637
-
income
3 741
-
1 994
-
total
9 933
-
5 295
-
Employer
27 266
-
14 537
-
pensions
4 434
-
2 364
-
accident
455
-
243
-
unemployment
668
-
356
-
total
5 557
-
2 963
-
Corporate
-
17 500
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

-
15 750
-
-
total
-
15 750
-
-
Dividends
-
1 750
-
-
withholding
-
333
-
-
total
-
333
-
-
Income
17 500
17 500
17 500
17 500
Total tax
15 490
16 083
8 258
7 619
After tax
2 010
1 417
9 242
9 881
Living cost
17 333
17 333
17 333
17 333
Free-cash
-15 323
-15 916
-8 091
-7 452

Estimated living cost  is ₽17333 per week

₽12704
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽3308
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
-₽23232
-₽19698
-₽19698
-₽22392
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.

-
-
-
17 500
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.

-
-
-
5 593
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
-
-
-
5 593
Employee

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

40 732
-
17 500
-
health

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

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

5 593
-
5 593
-
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.

3 349
-
-
-
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.

185
-
-
-
total
9 127
-
5 593
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
17 500
-
-
income
-
2 625
-
-
trade
-
2 512
-
-
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
-
-
chamber of commerce
-
151
-
-
total
-
5 432
-
-
Dividends
-
12 067
-
-
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.

-
149
-
-
withholding
-
2 706
-
-
total
-
2 855
-
-
Income
17 500
17 500
17 500
17 500
Total tax
9 127
8 287
5 593
5 593
After tax
8 373
9 213
11 907
11 907
Living cost
31 605
31 605
31 605
31 605
Free-cash
-23 232
-22 392
-19 698
-19 698

Estimated living cost  is ₽31605 per week

₽21802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5944
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
-₽12183
-₽6990
-₽4733
-₽3031
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.

-
-
-
17 500
income
-
-
-
-
microenterprise
-
-
-
2 625
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.

-
-
-
2 577
surtax
-
-
-
-
total
-
-
-
5 202
Employee
23 921
-
14 103
-
income
4 258
-
2 510
-
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.

2 632
-
1 552
-
surtax
-
-
-
-
total
6 890
-
4 062
-
Employer
23 921
-
14 103
-
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.

5 762
-
3 397
-
surtax
-
-
-
-
total
5 762
-
3 397
-
Corporate
-
17 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

-
3 500
-
-
total
-
3 500
-
-
Dividends

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

-
14 000
-
-
total
-
-
-
-
Income
17 500
17 500
17 500
17 500
Total tax
12 652
3 500
7 459
5 202
After tax
4 848
14 000
10 041
12 298
Living cost
17 031
17 031
17 031
17 031
Free-cash
-12 183
-3 031
-6 990
-4 733

Estimated living cost  is ₽17031 per week

₽10865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4157
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
-₽1176
-₽596
-₽1092
₽910
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
-
-
-
17 500
income
-
-
-
2 545
health
-
-
-
2 537
pensions
-
-
-
3 500
total
-
-
-
8 582
Employee
15 246
-
14 285
-
health
762
-
714
-
unemployment
153
-
143
-
pensions
1 372
-
1 286
-
income
2 949
-
2 729
-
total
5 236
-
4 872
-
Employer
15 246
-
14 285
-
health
1 448
-
1 357
-
pensions
1 677
-
1 571
-
unemployment
305
-
286
-
total
3 430
-
3 214
-
Corporate
-
17 500
-
-
income
-
3 850
-
-
total
-
3 850
-
-
Dividends
-
13 650
-
-
withholding
-
2 730
-
-
total
-
2 730
-
-
Income
17 500
17 500
17 500
17 500
Total tax
8 666
6 580
8 086
8 582
After tax
8 834
10 920
9 414
8 918
Living cost
10 010
10 010
10 010
10 010
Free-cash
-1 176
910
-596
-1 092

Estimated living cost  is ₽10010 per week

₽5949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽229
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.
₽3021
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
-₽15874
-₽8691
-₽8330
-₽7379
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
-
-
-
17 500
pensions
-
-
-
3 500
unemployment
-
-
-
186
income
-
-
-
2 514
other
-
-
-
-
health
-
-
-
1 243
surtax
-
-
-
-
total
-
-
-
7 443
Employee
27 568
-
14 457
-
health
704
-
368
-
unemployment
1 919
-
1 007
-
pensions
1 839
-
965
-
income
4 622
-
2 423
-
other
-
-
-
-
surtax
98
-
-
-
total
9 182
-
4 763
-
Employer
27 568
-
14 457
-
health
1 254
-
657
-
pensions
3 676
-
1 926
-
unemployment
875
-
458
-
other
-
-
-
-
total
5 805
-
3 041
-
Corporate
-
17 500
-
-
income
-
4 550
-
-
total
-
4 550
-
-
Dividends
-
12 950
-
-
withholding
-
1 942
-
-
total
-
1 942
-
-
Income
17 500
17 500
17 500
17 500
Total tax
14 987
6 492
7 804
7 443
After tax
2 513
11 008
9 696
10 057
Living cost
18 387
18 387
18 387
18 387
Free-cash
-15 874
-7 379
-8 691
-8 330

Estimated living cost  is ₽18387 per week

₽11101
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1599
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5262
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
-₽29358
-₽21820
-₽18284
-₽27097
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
-
-
-
17 500
pensions
-
-
-
3 237
chamber of commerce
-
-
-
70
unemployment
-