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
₽ 182500
per

Your estimated
City
free-cash

Valencia , Spain
₽95932
₽76913
₽80226
₽99416
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
-
-
-
182 500
unemployment
-
-
-
512
income
-
-
-
58 618
other
-
-
-
73
accident
-
-
-
659
pensions
-
-
-
20 705
total
-
-
-
80 567
Employee
29 188
-
159 175
-
unemployment
452
-
1 134
-
pensions
1 372
-
3 439
-
income
5 627
-
55 908
-
other
28
-
73
-
total
7 479
-
60 554
-
Employer
29 188
-
159 175
-
pensions
6 888
-
17 267
-
accident
578
-
1 449
-
unemployment
1 606
-
4 024
-
other
234
-
586
-
total
9 306
-
23 326
-
Corporate
144 007
182 500
-
-
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.

21 601
27 376
-
-
total
21 601
27 376
-
-
Dividends
122 406
155 124
-
-
withholding
26 475
34 001
-
-
total
26 475
34 001
-
-
Income
182 500
182 500
182 500
182 500
Total tax
64 861
61 377
83 880
80 567
After tax
117 639
121 123
98 620
101 933
Living cost
21 707
21 707
21 707
21 707
Free-cash
95 932
99 416
76 913
80 226

Estimated living cost  is ₽21707 per week

₽14652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4588
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
₽107719
₽87840
₽89337
₽113050
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
-
-
-
182 500
pensions

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

-
-
-
28 809
income
-
-
-
32 337
other
-
-
-
5 701
health
-
-
-
5 282
total
-
-
-
72 129
Employee
28 661
-
151 995
-
health
401
-
1 681
-
unemployment
286
-
1 200
-
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.

2 006
-
8 402
-
income
4 934
-
31 838
-
total
7 627
-
43 121
-
Employer
28 661
-
151 995
-
health
401
-
1 681
-
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.

4 873
-
20 407
-
accident
229
-
1 216
-
unemployment
286
-
1 200
-
other
1 434
-
6 001
-
total
7 223
-
30 505
-
Corporate
146 615
182 500
-
-
income
30 790
38 324
-
-
total
30 790
38 324
-
-
Dividends
115 826
144 176
-
-
withholding
8 107
10 092
-
-
total
8 107
10 092
-
-
Income
182 500
182 500
182 500
182 500
Total tax
53 747
48 416
73 626
72 129
After tax
128 753
134 084
108 874
110 371
Living cost
21 034
21 034
21 034
21 034
Free-cash
107 719
113 050
87 840
89 337

Estimated living cost  is ₽21034 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽339
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.
₽4413
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
₽141998
₽145006
₽137384
₽145671
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
-
-
-
182 500
pensions

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

-
-
-
4 088
unemployment
-
-
-
110
income
-
-
-
27 375
health
-
-
-
3 176
total
-
-
-
34 749
Employee
13 728
-
177 081
-
health
631
-
1 270
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

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

1 205
-
2 425
-
income
1 373
-
17 708
-
total
3 360
-
21 707
-
Employer
13 728
-
177 081
-
health
948
-
1 906
-
pensions

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

1 513
-
3 044
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 694
-
5 420
-
Corporate
166 079
182 500
-
-
income
16 608
18 250
-
-
total
16 608
18 250
-
-
Dividends
149 471
164 250
-
-
withholding
7 473
8 212
-
-
total
7 473
8 212
-
-
Income
182 500
182 500
182 500
182 500
Total tax
30 135
26 462
27 127
34 749
After tax
152 365
156 038
155 373
147 751
Living cost
10 367
10 367
10 367
10 367
Free-cash
141 998
145 671
145 006
137 384

Estimated living cost  is ₽10367 per week

₽6053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽69635
₽66776
₽72431
₽64971
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
-
-
-
182 500
income
-
-
-
34 729
other
-
-
-
5 658
health
-
-
-
9 075
social contributions
-
-
-
5 199
pensions
-
-
-
28 401
surtax
-
-
-
-
total
-
-
-
83 062
Employee
33 784
-
138 990
-
pensions
3 820
-
10 598
-
income
1 994
-
30 648
-
social contributions
963
-
3 961
-
surtax
-
-
-
-
total
6 777
-
45 207
-
Employer
33 784
-
138 990
-
health
2 365
-
13 967
-
social contributions
102
-
416
-
pensions
5 550
-
17 678
-
unemployment
1 368
-
5 629
-
other
1 165
-
5 820
-
total
10 550
-
43 510
-
Corporate
138 166
182 500
-
-
income
38 687
51 101
-
-
surtax
-
-
-
-
total
38 687
51 101
-
-
Dividends
99 479
131 399
-
-
social contributions
17 111
22 602
-
-
surtax
-
-
-
-
withholding
12 733
16 819
-
-
total
29 844
39 421
-
-
Income
182 500
182 500
182 500
182 500
Total tax
85 858
90 522
88 717
83 062
After tax
96 642
91 978
93 783
99 438
Living cost
27 007
27 007
27 007
27 007
Free-cash
69 635
64 971
66 776
72 431

Estimated living cost  is ₽27007 per week

₽17029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2196
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.
₽7324
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
₽53097
₽83640
₽64663
₽57933
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
-
-
-
182 500
pensions
-
-
-
9 249
income
-
-
-
65 786
health
-
-
-
9 734
total
-
-
-
84 769
Employee
67 409
67 409
167 830
-
health
10 347
8 801
9 734
-
pensions
12 134
9 249
9 249
-
income

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

11 034
11 034
32 139
-
total
33 515
29 084
51 122
-
Employer
67 409
67 409
167 830
-
health
4 686
4 686
5 823
-
pensions
4 692
4 692
5 832
-
unemployment
2 427
2 427
3 015
-
total
11 805
11 805
14 670
-
Corporate
104 114
103 287
-
-
income
20 823
20 657
-
-
total
20 823
20 657
-
-
Dividends
83 290
82 630
-
-
income
17 699
17 559
-
-
withholding
12 493
12 394
-
-
total
30 192
29 953
-
-
Income
182 500
182 500
182 500
182 500
Total tax
96 335
91 499
65 792
84 769
After tax
86 165
91 001
116 708
97 731
Living cost
33 068
33 068
33 068
33 068
Free-cash
53 097
57 933
83 640
64 663

Estimated living cost  is ₽33068 per week

₽23434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽6127
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
₽76798
₽88600
₽65636
₽68065
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.

-
-
-
182 500
trade
-
-
-
22 964
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.

-
-
-
61 231
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.

-
-
-
5 393
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.

-
-
-
3 367
total
-
-
-
92 955
Employee

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

30 192
-
182 500
-
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.

5 393
-
5 393
-
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.

843
-
61 231
-
surtax

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

46
-
3 367
-
total
6 282
-
69 991
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
152 308
182 500
-
-
income
22 846
27 376
-
-
trade
23 989
28 743
-
-
surtax

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

1 257
1 505
-
-
chamber of commerce
339
382
-
-
total
48 431
58 006
-
-
Dividends
103 878
124 494
-
-
surtax

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

1 411
1 696
-
-
withholding
25 669
30 824
-
-
total
27 080
32 520
-
-
Income
182 500
182 500
182 500
182 500
Total tax
81 793
90 526
69 991
92 955
After tax
100 707
91 974
112 509
89 545
Living cost
23 909
23 909
23 909
23 909
Free-cash
76 798
68 065
88 600
65 636

Estimated living cost  is ₽23909 per week

₽15040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
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.
₽5635
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
₽110422
₽102799
₽104287
₽114717
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
-
-
-
182 500
income
-
-
-
42 511
health
-
-
-
4 654
social contributions
-
-
-
12 772
total
-
-
-
59 937
Employee
60 699
60 699
172 513
-
health
470
1 032
2 933
-
income
6 609
5 619
41 710
-
social contributions
2 295
5 038
6 795
-
total
9 374
11 689
51 438
-
Employer
60 699
60 699
172 513
-
health
511
1 123
3 192
-
social contributions
2 295
5 038
6 795
-
total
2 806
6 161
9 987
-
Corporate
152 044
115 640
-
-
income
19 005
14 456
-
-
total
19 005
14 456
-
-
Dividends
133 039
101 184
-
-
withholding
22 617
17 201
-
-
total
22 617
17 201
-
-
Income
182 500
182 500
182 500
182 500
Total tax
53 802
49 507
61 425
59 937
After tax
128 698
132 993
121 075
122 563
Living cost
18 276
18 276
18 276
18 276
Free-cash
110 422
114 717
102 799
104 287

Estimated living cost  is ₽18276 per week

₽10953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽5126
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
₽78251
₽55753
₽70189
₽79047
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.

-
-
-
182 500
income
-
-
-
24 132
social contributions

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

-
-
-
63 419
surtax
-
-
-
-
total
-
-
-
87 551
Employee
36 305
-
147 474
-
income
7 552
-
50 454
-
social contributions
3 994
-
16 222
-
surtax
-
-
285
-
total
11 546
-
66 961
-
Employer
36 305
-
147 474
-
social contributions
8 622
-
35 026
-
total
8 622
-
35 026
-
Corporate
137 573
182 500
-
-
income
28 890
38 324
-
-
surtax
-
-
-
-
total
28 890
38 324
-
-
Dividends
108 683
144 176
-
-
withholding
30 431
40 369
-
-
total
30 431
40 369
-
-
Income
182 500
182 500
182 500
182 500
Total tax
79 489
78 693
101 987
87 551
After tax
103 011
103 807
80 513
94 949
Living cost
24 760
24 760
24 760
24 760
Free-cash
78 251
79 047
55 753
70 189

Estimated living cost  is ₽24760 per week

₽18526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1461
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4361
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
₽166267
₽140014
₽174689
₽167389
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%.

-
-
-
182 500
microenterprise

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

-
-
-
1 825
total
-
-
-
1 825
Employee
7 482
-
182 500
-
income
1 496
-
36 500
-
total
1 496
-
36 500
-
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%.

175 018
182 500
-
-
total
-
-
-
-
Dividends
175 018
182 500
-
-
withholding
8 751
9 125
-
-
total
8 751
9 125
-
-
Income
182 500
182 500
182 500
182 500
Total tax
10 247
9 125
36 500
1 825
After tax
172 253
173 375
146 000
180 675
Living cost
5 986
5 986
5 986
5 986
Free-cash
166 267
167 389
140 014
174 689

Estimated living cost  is ₽5986 per week

₽3710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
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.
₽1614
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
₽97876
₽59075
₽63036
₽104479
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.

-
-
-
182 500
pensions
-
-
-
33 329
unemployment
-
-
-
274
income
-
-
-
46 730
health
-
-
-
17 958
total
-
-
-
98 291
Employee

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

34 906
-
157 914
-
health
2 254
-
10 201
-
unemployment
49
-
222
-
pensions
5 411
-
24 477
-
income
6 020
-
42 767
-
total
13 734
-
77 667
-
Employer

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

34 906
-
157 914
-
health
2 325
-
10 516
-
pensions
3 089
-
13 975
-
unemployment
21
-
94
-
total
5 435
-
24 585
-
Corporate
142 159
182 500
-
-
income
27 010
34 675
-
-
total
27 010
34 675
-
-
Dividends
115 149
147 825
-
-
withholding
17 272
22 173
-
-
total
17 272
22 173
-
-
Income
182 500
182 500
182 500
182 500
Total tax
63 451
56 848
102 252
98 291
After tax
119 049
125 652
80 248
84 209
Living cost
21 173
21 173
21 173
21 173
Free-cash
97 876
104 479
59 075
63 036

Estimated living cost  is ₽21173 per week

₽14530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1357
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4876
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
₽88560
₽98455
₽121504
₽85801
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.

-
-
-
182 500
income
-
-
-
27 376
health

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

-
-
-
4 966
total
-
-
-
32 342
Employee
36 212
-
178 869
-
social contributions
3 628
-
3 631
-
income
3 929
-
48 129
-
total
7 557
-
51 760
-
Employer
36 212
-
178 869
-
social contributions
3 628
-
3 631
-
total
3 628
-
3 631
-
Corporate
142 660
182 500
-
-
income
49 931
63 875
-
-
total
49 931
63 875
-
-
Dividends
92 729
118 625
-
-
social contributions
4 170
4 170
-
-
total
4 170
4 170
-
-
Income
182 500
182 500
182 500
182 500
Total tax
65 286
68 045
55 391
32 342
After tax
117 214
114 455
127 109
150 158
Living cost
28 654
28 654
28 654
28 654
Free-cash
88 560
85 801
98 455
121 504

Estimated living cost  is ₽28654 per week

₽18875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽7081
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
₽95012
₽95422
₽100461
₽94602
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
-
-
-
182 500
income
-
-
-
27 376
health
-
-
-
12 739
social contributions
-
-
-
25 186
total
-
-
-
65 301
Employee
26 764
-
182 500
-
health
1 868
-
12 739
-
income
4 464
-
32 415
-
social contributions
3 694
-
25 186
-
total
10 026
-
70 340
-
Employer
26 764
-
182 500
-
total
-
-
-
-
Corporate
155 736
182 500
-
-
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%.

7 787
9 126
-
-
total
7 787
9 126
-
-
Dividends
147 949
173 374
-
-
social contributions
20 417
23 926
-
-
withholding
22 193
26 006
-
-
health
10 327
12 102
-
-
total
52 937
62 034
-
-
Income
182 500
182 500
182 500
182 500
Total tax
70 750
71 160
70 340
65 301
After tax
111 750
111 340
112 160
117 199
Living cost
16 738
16 738
16 738
16 738
Free-cash
95 012
94 602
95 422
100 461

Estimated living cost  is ₽16738 per week

₽11202
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1032
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4118
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
₽95650
₽78877
₽87070
₽103539
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
-
-
-
182 500
income
-
-
-
19 806
health
-
-
-
24 637
social contributions
-
-
-
25 822
solidarity contribution
-
-
-
3 053
total
-
-
-
73 318
Employee
32 518
-
147 149
-
health
4 390
-
19 865
-
solidarity contribution
-
-
2 317
-
income
3 902
-
18 230
-
social contributions
2 114
-
5 748
-
total
10 406
-
46 160
-
Employer
32 518
-
147 149
-
health
2 927
-
13 243
-
social contributions
8 130
-
22 108
-
total
11 057
-
35 351
-
Corporate
138 925
182 500
-
-
income
26 396
34 675
-
-
total
26 396
34 675
-
-
Dividends
112 530
147 825
-
-
withholding
16 879
22 174
-
-
total
16 879
22 174
-
-
Income
182 500
182 500
182 500
182 500
Total tax
64 738
56 849
81 511
73 318
After tax
117 762
125 651
100 989
109 182
Living cost
22 112
22 112
22 112
22 112
Free-cash
95 650
103 539
78 877
87 070

Estimated living cost  is ₽22112 per week

₽16444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4061
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
₽162298
₽136672
₽171347
₽164047
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%.

-
-
-
182 500
microenterprise

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

-
-
-
1 825
total
-
-
-
1 825
Employee
11 661
-
182 500
-
income
2 332
-
36 500
-
total
2 332
-
36 500
-
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%.

170 839
182 500
-
-
total
-
-
-
-
Dividends
170 839
182 500
-
-
withholding
8 542
9 125
-
-
total
8 542
9 125
-
-
Income
182 500
182 500
182 500
182 500
Total tax
10 874
9 125
36 500
1 825
After tax
171 626
173 375
146 000
180 675
Living cost
9 328
9 328
9 328
9 328
Free-cash
162 298
164 047
136 672
171 347

Estimated living cost  is ₽9328 per week

₽6313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽313
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.
₽2311
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
₽59281
₽55657
₽61312
₽53852
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
-
-
-
182 500
income
-
-
-
34 729
other
-
-
-
5 658
health
-
-
-
9 075
social contributions
-
-
-
5 199
pensions
-
-
-
28 401
surtax
-
-
-
-
total
-
-
-
83 062
Employee
49 440
-
138 990
-
pensions
5 592
-
10 598
-
income
4 314
-
30 648
-
social contributions
1 408
-
3 961
-
surtax
-
-
-
-
total
11 314
-
45 207
-
Employer
49 440
-
138 990
-
health
3 460
-
13 967
-
social contributions
148
-
416
-
pensions
8 124
-
17 678
-
unemployment
2 003
-
5 629
-
other
1 706
-
5 820
-
total
15 441
-
43 510
-
Corporate
117 619
182 500
-
-
income
32 933
51 101
-
-
surtax
-
-
-
-
total
32 933
51 101
-
-
Dividends
84 686
131 399
-
-
social contributions
14 566
22 602
-
-
surtax
-
-
-
-
withholding
10 839
16 819
-
-
total
25 405
39 421
-
-
Income
182 500
182 500
182 500
182 500
Total tax
85 093
90 522
88 717
83 062
After tax
97 407
91 978
93 783
99 438
Living cost
38 126
38 126
38 126
38 126
Free-cash
59 281
53 852
55 657
61 312

Estimated living cost  is ₽38126 per week

₽25803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽8681
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
₽114377
₽104573
₽104574
₽118248
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.

-
-
-
182 500
pensions
-
-
-
15 119
unemployment
-
-
-
872
income
-
-
-
42 338
health
-
-
-
5 989
total
-
-
-
64 318
Employee

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

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

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

20 519
-
172 091
-
health
1 057
-
2 995
-
unemployment
154
-
436
-
pensions
2 873
-
8 141
-
income
2 828
-
42 338
-
total
6 912
-
53 910
-
Employer

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

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

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

20 519
-
172 091
-
health
1 057
-
2 995
-
pensions
2 462
-
6 978
-
unemployment
154
-
436
-
total
3 673
-
10 409
-
Corporate
158 308
182 500
-
-
income
23 746
27 375
-
-
total
23 746
27 375
-
-
Dividends
134 562
155 125
-
-
withholding
20 184
23 269
-
-
total
20 184
23 269
-
-
Income
182 500
182 500
182 500
182 500
Total tax
54 515
50 644
64 319
64 318
After tax
127 985
131 856
118 181
118 182
Living cost
13 608
13 608
13 608
13 608
Free-cash
114 377
118 248
104 573
104 574

Estimated living cost  is ₽13608 per week

₽9162
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1053
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2999
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
₽52714
₽83799
₽89086
₽29731
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
-
-
-
182 500
pensions
-
-
-
16 790
city
-
-
-
1 923
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.

-
-
-
3 650
health
-
-
-
411
regional
-
-
-
10 979
national
-
-
-
5 939
total
-
-
-
39 692
Employee
62 868
-
164 855
-
health
142
-
371
-
unemployment
-
-
-
-
city
675
-
1 791
-
pensions
5 282
-
12 163
-
regional
2 059
-
9 864
-
national
298
-
4 958
-
total
8 456
-
29 147
-
Employer
62 868
-
164 855
-
health
142
-
371
-
pensions
5 282
-
12 163
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 257
-
3 298
-
total
6 681
-
15 832
-
Corporate
112 260
182 500
-
-
regional
23 743
38 599
-
-
national
9 543
15 513
-
-
total
33 286
54 112
-
-
Dividends
78 974
128 388
-
-
withholding
27 641
44 935
-
-
total
27 641
44 935
-
-
Income
182 500
182 500
182 500
182 500
Total tax
76 064
99 047
44 979
39 692
After tax
106 436
83 453
137 521
142 808
Living cost
53 722
53 722
53 722
53 722
Free-cash
52 714
29 731
83 799
89 086

Estimated living cost  is ₽53722 per week

₽34935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4821
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽660
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13307
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽83791
₽60188
₽81091
₽81352
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

-
-
-
182 500
municipal
-
-
-
32 403
health
-
-
-
2 481
national
-
-
-
36 219
total
-
-
-
71 103
Employee
41 530
-
153 531
-
health
310
-
2 034
-
unemployment
623
-
2 302
-
pensions
2 803
-
10 363
-
national
686
-
23 348
-
municipal
6 802
-
24 989
-
total
11 224
-
63 036
-
Employer
41 530
-
153 531
-
health
319
-
1 182
-
pensions
7 205
-
26 637
-
accident
42
-
153
-
unemployment
270
-
998
-
total
7 836
-
28 970
-
Corporate
133 134
182 500
-
-
income
26 627
36 500
-
-
total
26 627
36 500
-
-
Dividends

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

79 880
109 500
-
-
municipal
14 379
19 710
-
-
national
8 337
14 632
-
-
total
22 716
34 342
-
-
Income
182 500
182 500
182 500
182 500
Total tax
68 403
70 842
92 006
71 103
After tax
114 097
111 658
90 494
111 397
Living cost
30 306
30 306
30 306
30 306
Free-cash
83 791
81 352
60 188
81 091

Estimated living cost  is ₽30306 per week

₽19796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7114
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
₽61356
₽33047
₽50620
₽71093
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
-
-
-
182 500
communal

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

-
-
-
9 770
social contributions
-
-
-
19 680
national
-
-
-
73 648
total
-
-
-
103 098
Employee

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

56 464
-
141 350
-
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.

2 653
-
6 644
-
communal

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

2 945
-
7 373
-
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.

491
-
1 230
-
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.

4 235
-
10 601
-
national
17 359
-
53 677
-
total
27 683
-
79 525
-
Employer

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

56 464
-
141 350
-
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.

3 472
-
8 693
-
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.

5 003
-
12 523
-
surtax
6 402
-
16 028
-
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.

734
-
1 838
-
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.

824
-
2 064
-
total
16 435
-
41 146
-
Corporate
109 600
182 500
-
-
income
21 920
39 443
-
-
surtax
439
789
-
-
total
22 359
40 232
-
-
Dividends
87 241
142 267
-
-
withholding

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

25 885
42 393
-
-
total
25 885
42 393
-
-
Income
182 500
182 500
182 500
182 500
Total tax
92 362
82 625
120 671
103 098
After tax
90 138
99 875
61 829
79 402
Living cost
28 782
28 782
28 782
28 782
Free-cash
61 356
71 093
33 047
50 620

Estimated living cost  is ₽28782 per week

₽18539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽7276
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
₽64709
₽56760
₽57589
₽65474
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
-
-
-
182 500
unemployment
-
-
-
75
municipal
-
-
-
47 952
other
-
-
-
8 702
health
-
-
-
4 673
national
-
-
-
21 092
accident
-
-
-
150
pensions
-
-
-
8 096
total
-
-
-
90 740
Employee
48 691
-
158 969
-
national
-
-
20 633
-
municipal
14 520
-
47 405
-
total
14 520
-
68 038
-
Employer
48 691
-
158 969
-
health
2 994
-
4 606
-
pensions
5 263
-
8 096
-
accident
97
-
150
-
unemployment
1 285
-
1 977
-
other
5 658
-
8 702
-
total
15 297
-
23 531
-
Corporate
118 510
182 500
-
-
income
26 072
40 150
-
-
total
26 072
40 150
-
-
Dividends
92 438
142 350
-
-
withholding
27 731
42 705
-
-
total
27 731
42 705
-
-
Income
182 500
182 500
182 500
182 500
Total tax
83 620
82 855
91 569
90 740
After tax
98 880
99 645
90 931
91 760
Living cost
34 171
34 171
34 171
34 171
Free-cash
64 709
65 474
56 760
57 589

Estimated living cost  is ₽34171 per week

₽22647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3353
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽7652
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
₽31234
₽132972
₽88166
₽73077
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
-
-
-
182 500
income
-
-
-
35 573
social contributions
-
-
-
20 805
total
-
-
-
56 378
Employee
54 424
-
-
-
income
12 005
-
-
-
social contributions
4 463
-
636
-
total
16 468
-
636
-
Employer
54 424
-
-
-
social contributions
76 738
-
10 936
-
total
76 738
-
10 936
-
Corporate
51 338
182 500
-
-
income
11 294
40 150
-
-
total
11 294
40 150
-
-
Dividends
40 043
142 350
-
-
income
8 810
31 317
-
-
total
8 810
31 317
-
-
Income
182 500
182 500
182 500
182 500
Total tax
113 310
71 467
11 572
56 378
After tax
69 190
111 033
170 928
126 122
Living cost
37 956
37 956
37 956
37 956
Free-cash
31 234
73 077
132 972
88 166

Estimated living cost  is ₽37956 per week

₽24628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9275
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
₽104116
₽95472
₽96960
₽107390
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
-
-
-
182 500
income
-
-
-
42 511
health
-
-
-
4 654
social contributions
-
-
-
12 772
total
-
-
-
59 937
Employee
60 699
60 699
172 513
-
health
604
1 032
2 933
-
income
6 374
5 619
41 710
-
social contributions
2 950
5 038
6 795
-
total
9 928
11 689
51 438
-
Employer
60 699
60 699
172 513
-
health
658
1 123
3 192
-
social contributions
2 950
5 038
6 795
-
total
3 608
6 161
9 987
-
Corporate
143 362
115 640
-
-
income
17 920
14 456
-
-
total
17 920
14 456
-
-
Dividends
125 442
101 184
-
-
withholding
21 325
17 201
-
-
total
21 325
17 201
-
-
Income
182 500
182 500
182 500
182 500
Total tax
52 781
49 507
61 425
59 937
After tax
129 719
132 993
121 075
122 563
Living cost
25 603
25 603
25 603
25 603
Free-cash
104 116
107 390
95 472
96 960

Estimated living cost  is ₽25603 per week

₽17502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
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.
₽5671
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽90509
₽72928
₽89176
₽86019
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
-
-
-
182 500
income
-
-
-
57 353
pensions
-
-
-
7 802
total
-
-
-
65 155
Employee
38 666
-
158 972
-
health
504
-
2 115
-
pensions
2 951
-
9 238
-
income
7 041
-
46 522
-
total
10 496
-
57 875
-
Employer
38 666
-
158 972
-
health
735
-
3 020
-
pensions
3 907
-
20 508
-
total
4 642
-
23 528
-
Corporate
139 193
182 500
-
-
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.

26 447
34 674
-
-
total
26 447
34 674
-
-
Dividends
112 746
147 826
-
-
withholding
22 237
33 638
-
-
total
22 237
33 638
-
-
Income
182 500
182 500
182 500
182 500
Total tax
63 822
68 312
81 403
65 155
After tax
118 678
114 188
101 097
117 345
Living cost
28 169
28 169
28 169
28 169
Free-cash
90 509
86 019
72 928
89 176

Estimated living cost  is ₽28169 per week

₽19324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5901
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
₽61092
₽48020
₽54505
₽64683
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
-
-
-
182 500
municipal
-
-
-
1 287
regional
-
-
-
4 498
social contributions
-
-
-
39 508
national
-
-
-
51 255
total
-
-
-
96 548
Employee
66 517
-
182 500
-
social contributions
22 429
-
51 796
-
regional
1 004
-
4 089
-
national
11 241
-
45 972
-
municipal
397
-
1 176
-
total
35 071
-
103 033
-
Employer
66 517
-
182 500
-
total
-
-
-
-
Corporate
115 983
182 500
-
-
nationa
27 835
43 799
-
-
municipal
5 590
8 796
-
-
total
33 425
52 595
-
-
Dividends
82 557
129 904
-
-
withholding
21 465
33 775
-
-
total
21 465
33 775
-
-
Income
182 500
182 500
182 500
182 500
Total tax
89 961
86 370
103 033
96 548
After tax
92 539
96 130
79 467
85 952
Living cost
31 447
31 447
31 447
31 447
Free-cash
61 092
64 683
48 020
54 505

Estimated living cost  is ₽31447 per week

₽22089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽6718
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
₽12199
₽83973
₽107751
-₽2052
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
-
-
-
182 500
pensions
-
-
-
3 184
income
-
-
-
52 585
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
57 915
Employee
26 480
-
167 182
-
health
3 032
-
19 142
-
pensions
2 982
-
5 838
-
income
3 633
-
41 395
-
total
9 647
-
66 375
-
Employer
26 480
-
167 182
-
pensions
4 306
-
8 430
-
accident
442
-
2 792
-
unemployment
649
-
4 096
-
total
5 397
-
15 318
-
Corporate
150 623
182 500
-
-
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.

135 561
164 250
-
-
total
135 561
164 250
-
-
Dividends
15 062
18 250
-
-
withholding
2 862
3 468
-
-
total
2 862
3 468
-
-
Income
182 500
182 500
182 500
182 500
Total tax
153 467
167 718
81 693
57 915
After tax
29 033
14 782
100 807
124 585
Living cost
16 834
16 834
16 834
16 834
Free-cash
12 199
-2 052
83 973
107 751

Estimated living cost  is ₽16834 per week

₽12338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
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.
₽3212
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
₽73702
₽82034
₽61112
₽63376
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.

-
-
-
182 500
trade
-
-
-
20 922
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.

-
-
-
61 231
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.

-
-
-
5 393
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.

-
-
-
3 367
total
-
-
-
90 913
Employee

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

39 276
-
182 500
-
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.

5 393
-
5 393
-
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.

3 230
-
61 231
-
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.

178
-
3 367
-
total
8 801
-
69 991
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
143 224
182 500
-
-
income
21 484
27 376
-
-
trade
20 552
26 189
-
-
surtax

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

1 182
1 505
-
-
chamber of commerce
330
388
-
-
total
43 548
55 458
-
-
Dividends
99 676
127 042
-
-
surtax

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

1 354
1 730
-
-
withholding
24 619
31 461
-
-
total
25 973
33 191
-
-
Income
182 500
182 500
182 500
182 500
Total tax
78 322
88 649
69 991
90 913
After tax
104 178
93 851
112 509
91 587
Living cost
30 476
30 476
30 476
30 476
Free-cash
73 702
63 376
82 034
61 112

Estimated living cost  is ₽30476 per week

₽21023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5731
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
₽123102
₽63182
₽50289
₽129578
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.

-
-
-
182 500
income
-
-
-
39 007
microenterprise
-
-
-
-
social contributions

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

-
-
-
30 244
surtax
-
-
-
46 538
total
-
-
-
115 789
Employee
23 066
-
143 997
-
income
4 106
-
33 165
-
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.

2 538
-
10 348
-
surtax
-
-
20 880
-
total
6 644
-
64 393
-
Employer
23 066
-
143 997
-
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.

5 556
-
22 663
-
surtax
-
-
15 840
-
total
5 556
-
38 503
-
Corporate
153 878
182 500
-
-
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%.

30 776
36 500
-
-
total
30 776
36 500
-
-
Dividends

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

123 102
146 000
-
-
total
-
-
-
-
Income
182 500
182 500
182 500
182 500
Total tax
42 976
36 500
102 896
115 789
After tax
139 524
146 000
79 604
66 711
Living cost
16 422
16 422
16 422
16 422
Free-cash
123 102
129 578
63 182
50 289

Estimated living cost  is ₽16422 per week

₽10477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
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.
₽4009
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
₽102504
₽102423
₽103118
₽104110
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
-
-
-
182 500
income
-
-
-
57 319
health
-
-
-
5 167
pensions
-
-
-
7 126
total
-
-
-
69 612
Employee
14 880
-
174 483
-
health
744
-
1 782
-
unemployment
149
-
356
-
pensions
1 339
-
3 207
-
income
2 879
-
56 945
-
total
5 111
-
62 290
-
Employer
14 880
-
174 483
-
health
1 414
-
3 385
-
pensions
1 637
-
3 919
-
unemployment
298
-
713
-
total
3 349
-
8 017
-
Corporate
164 272
182 500
-
-
income
36 140
40 150
-
-
total
36 140
40 150
-
-
Dividends
128 132
142 350
-
-
withholding
25 626
28 470
-
-
total
25 626
28 470
-
-
Income
182 500
182 500
182 500
182 500
Total tax
70 226
68 620
70 307
69 612
After tax
112 274
113 880
112 193
112 888
Living cost
9 770
9 770
9 770
9 770
Free-cash
102 504
104 110
102 423
103 118

Estimated living cost  is ₽9770 per week

₽5806
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
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.
₽2948
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
₽94551
₽63231
₽68057
₽97063
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
-
-
-
182 500
pensions
-
-
-
21 071
unemployment
-
-
-
180
income
-
-
-
58 111
other
-
-
-
-
health
-
-
-
7 479
surtax
-
-
-
9 872
total
-
-
-
96 713
Employee
26 583
-
160 324
-
health
679
-
2 686
-
unemployment
1 850
-
7 333
-
pensions
1 774
-
7 027
-
income
4 456
-
53 390
-
other
-
-
-
-
surtax
94
-
8 926
-
total
8 853
-
79 362
-
Employer
26 583
-
160 324
-
health
1 209
-
4 794
-
pensions
3 544
-
14 044
-
unemployment
843
-
3 339
-
other
-
-
-
-
total
5 596
-
22 177
-
Corporate
150 320
182 500
-
-
income
39 084
47 450
-
-
total
39 084
47 450
-
-
Dividends
111 236
135 050
-
-
withholding
16 686
20 257
-
-
total
16 686
20 257
-
-
Income
182 500
182 500
182 500
182 500
Total tax
70 219
67 707
101 539
96 713
After tax
112 281
114 793
80 961
85 787
Living cost
17 730
17 730
17 730
17 730
Free-cash
94 551
97 063
63 231
68 057

Estimated living cost  is ₽17730 per week

₽10705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1541
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.
₽5074
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
₽75071
₽22648
₽68385
₽75460
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
-
-
-
182 500
pensions
-
-
-
17 061
chamber of commerce