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
₽ 184000
per

Your estimated
City
free-cash

Valencia , Spain
₽97082
₽77906
₽81195
₽100543
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
-
-
-
184 000
unemployment
-
-
-
509
income
-
-
-
59 462
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
81 254
Employee
28 978
-
160 842
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
56 771
-
other
28
-
73
-
total
7 426
-
61 385
-
Employer
28 978
-
160 842
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
145 783
184 000
-
-
income

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

21 867
27 600
-
-
total
21 867
27 600
-
-
Dividends
123 916
156 400
-
-
withholding
26 836
34 306
-
-
total
26 836
34 306
-
-
Income
184 000
184 000
184 000
184 000
Total tax
65 367
61 906
84 543
81 254
After tax
118 633
122 094
99 457
102 746
Living cost
21 551
21 551
21 551
21 551
Free-cash
97 082
100 543
77 906
81 195

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4555
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
₽109008
₽89300
₽90804
₽114301
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
-
-
-
184 000
pensions

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

-
-
-
28 602
income
-
-
-
32 807
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
72 313
Employee
28 456
-
153 692
-
health
399
-
1 669
-
unemployment
284
-
1 191
-
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.

1 991
-
8 342
-
income
4 899
-
32 306
-
total
7 573
-
43 508
-
Employer
28 456
-
153 692
-
health
399
-
1 669
-
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.

4 838
-
20 261
-
accident
228
-
1 230
-
unemployment
284
-
1 191
-
other
1 423
-
5 958
-
total
7 172
-
30 309
-
Corporate
148 373
184 000
-
-
income
31 159
38 640
-
-
total
31 159
38 640
-
-
Dividends
117 214
145 360
-
-
withholding
8 205
10 176
-
-
total
8 205
10 176
-
-
Income
184 000
184 000
184 000
184 000
Total tax
54 109
48 816
73 817
72 313
After tax
129 891
135 184
110 183
111 687
Living cost
20 883
20 883
20 883
20 883
Free-cash
109 008
114 301
89 300
90 804

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽143410
₽146536
₽138824
₽147050
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
-
-
-
184 000
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
27 600
health
-
-
-
3 147
total
-
-
-
34 906
Employee
13 600
-
178 632
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
17 863
-
total
3 330
-
21 826
-
Employer
13 600
-
178 632
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
167 732
184 000
-
-
income
16 773
18 400
-
-
total
16 773
18 400
-
-
Dividends
150 959
165 600
-
-
withholding
7 548
8 280
-
-
total
7 548
8 280
-
-
Income
184 000
184 000
184 000
184 000
Total tax
30 320
26 680
27 194
34 906
After tax
153 680
157 320
156 806
149 094
Living cost
10 270
10 270
10 270
10 270
Free-cash
143 410
147 050
146 536
138 824

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽70552
₽67329
₽73207
₽65923
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
-
-
-
184 000
income
-
-
-
35 390
other
-
-
-
5 704
health
-
-
-
9 215
social contributions
-
-
-
5 242
pensions
-
-
-
28 429
surtax
-
-
-
-
total
-
-
-
83 980
Employee
33 541
-
140 012
-
pensions
3 792
-
10 729
-
income
1 980
-
31 152
-
social contributions
956
-
3 989
-
surtax
-
-
-
-
total
6 728
-
45 870
-
Employer
33 541
-
140 012
-
health
2 348
-
14 130
-
social contributions
101
-
419
-
pensions
5 510
-
17 884
-
unemployment
1 358
-
5 671
-
other
1 157
-
5 884
-
total
10 474
-
43 988
-
Corporate
139 984
184 000
-
-
income
39 196
51 521
-
-
surtax
-
-
-
-
total
39 196
51 521
-
-
Dividends
100 788
132 479
-
-
social contributions
17 337
22 786
-
-
surtax
-
-
-
-
withholding
12 900
16 957
-
-
total
30 237
39 743
-
-
Income
184 000
184 000
184 000
184 000
Total tax
86 635
91 264
89 858
83 980
After tax
97 365
92 736
94 142
100 020
Living cost
26 813
26 813
26 813
26 813
Free-cash
70 552
65 923
67 329
73 207

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7271
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
₽54150
₽84831
₽65554
₽58951
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
-
-
-
184 000
pensions
-
-
-
9 182
income
-
-
-
66 769
health
-
-
-
9 664
total
-
-
-
85 615
Employee
66 925
66 925
169 436
-
health
10 272
8 737
9 664
-
pensions
12 047
9 182
9 182
-
income

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

10 955
10 955
32 927
-
total
33 274
28 874
51 773
-
Employer
66 925
66 925
169 436
-
health
4 652
4 652
5 781
-
pensions
4 658
4 658
5 790
-
unemployment
2 409
2 409
2 994
-
total
11 719
11 719
14 565
-
Corporate
106 176
105 355
-
-
income
21 235
21 071
-
-
total
21 235
21 071
-
-
Dividends
84 942
84 284
-
-
income
18 050
17 911
-
-
withholding
12 741
12 643
-
-
total
30 791
30 554
-
-
Income
184 000
184 000
184 000
184 000
Total tax
97 019
92 218
66 338
85 615
After tax
86 981
91 782
117 662
98 385
Living cost
32 831
32 831
32 831
32 831
Free-cash
54 150
58 951
84 831
65 554

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽6083
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
₽77658
₽89526
₽66285
₽68989
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.

-
-
-
184 000
trade
-
-
-
23 241
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.

-
-
-
61 973
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.

-
-
-
5 354
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.

-
-
-
3 409
total
-
-
-
93 977
Employee

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

29 975
-
184 000
-
health

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

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

5 354
-
5 354
-
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.

837
-
61 973
-
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
-
3 409
-
total
6 237
-
70 736
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
154 025
184 000
-
-
income
23 104
27 600
-
-
trade
24 258
28 980
-
-
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.

1 270
1 518
-
-
chamber of commerce
341
384
-
-
total
48 973
58 482
-
-
Dividends
105 052
125 518
-
-
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.

1 428
1 709
-
-
withholding
25 966
31 082
-
-
total
27 394
32 791
-
-
Income
184 000
184 000
184 000
184 000
Total tax
82 604
91 273
70 736
93 977
After tax
101 396
92 727
113 264
90 023
Living cost
23 738
23 738
23 738
23 738
Free-cash
77 658
68 989
89 526
66 285

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽111670
₽103824
₽105318
₽115933
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
-
-
-
184 000
income
-
-
-
43 165
health
-
-
-
4 692
social contributions
-
-
-
12 680
total
-
-
-
60 537
Employee
60 263
60 263
174 034
-
health
467
1 025
2 958
-
income
6 562
5 579
42 361
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
52 065
-
Employer
60 263
60 263
174 034
-
health
507
1 115
3 220
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
9 966
-
Corporate
153 762
117 620
-
-
income
19 221
14 703
-
-
total
19 221
14 703
-
-
Dividends
134 541
102 917
-
-
withholding
22 872
17 496
-
-
total
22 872
17 496
-
-
Income
184 000
184 000
184 000
184 000
Total tax
54 185
49 922
62 031
60 537
After tax
129 815
134 078
121 969
123 463
Living cost
18 145
18 145
18 145
18 145
Free-cash
111 670
115 933
103 824
105 318

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽79288
₽56354
₽71011
₽80077
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.

-
-
-
184 000
income
-
-
-
24 467
social contributions

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

-
-
-
63 940
surtax
-
-
-
-
total
-
-
-
88 407
Employee
36 044
-
148 687
-
income
7 497
-
51 063
-
social contributions
3 965
-
16 355
-
surtax
-
-
333
-
total
11 462
-
67 751
-
Employer
36 044
-
148 687
-
social contributions
8 560
-
35 313
-
total
8 560
-
35 313
-
Corporate
139 395
184 000
-
-
income
29 273
38 640
-
-
surtax
-
-
-
-
total
29 273
38 640
-
-
Dividends
110 122
145 360
-
-
withholding
30 835
40 701
-
-
total
30 835
40 701
-
-
Income
184 000
184 000
184 000
184 000
Total tax
80 130
79 341
103 064
88 407
After tax
103 870
104 659
80 936
95 593
Living cost
24 582
24 582
24 582
24 582
Free-cash
79 288
80 077
56 354
71 011

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
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.
₽4329
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
₽167588
₽141126
₽176086
₽168726
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%.

-
-
-
184 000
microenterprise

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

-
-
-
1 840
total
-
-
-
1 840
Employee
7 592
-
184 000
-
income
1 518
-
36 800
-
total
1 518
-
36 800
-
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%.

176 408
184 000
-
-
total
-
-
-
-
Dividends
176 408
184 000
-
-
withholding
8 820
9 200
-
-
total
8 820
9 200
-
-
Income
184 000
184 000
184 000
184 000
Total tax
10 338
9 200
36 800
1 840
After tax
173 662
174 800
147 200
182 160
Living cost
6 074
6 074
6 074
6 074
Free-cash
167 588
168 726
141 126
176 086

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1638
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
₽99108
₽59596
₽63592
₽105663
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.

-
-
-
184 000
pensions
-
-
-
33 602
unemployment
-
-
-
277
income
-
-
-
47 402
health
-
-
-
18 106
total
-
-
-
99 387
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.

34 656
-
159 211
-
health
2 238
-
10 286
-
unemployment
49
-
223
-
pensions
5 372
-
24 678
-
income
5 976
-
43 407
-
total
13 635
-
78 594
-
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.

34 656
-
159 211
-
health
2 308
-
10 604
-
pensions
3 067
-
14 090
-
unemployment
21
-
95
-
total
5 396
-
24 789
-
Corporate
143 949
184 000
-
-
income
27 350
34 960
-
-
total
27 350
34 960
-
-
Dividends
116 599
149 040
-
-
withholding
17 490
22 356
-
-
total
17 490
22 356
-
-
Income
184 000
184 000
184 000
184 000
Total tax
63 871
57 316
103 383
99 387
After tax
120 129
126 684
80 617
84 613
Living cost
21 021
21 021
21 021
21 021
Free-cash
99 108
105 663
59 596
63 592

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4841
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
₽89749
₽99575
₽122996
₽87011
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.

-
-
-
184 000
income
-
-
-
27 600
health

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

-
-
-
4 955
total
-
-
-
32 555
Employee
35 952
-
180 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
48 766
-
total
7 503
-
52 371
-
Employer
35 952
-
180 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
144 446
184 000
-
-
income
50 557
64 400
-
-
total
50 557
64 400
-
-
Dividends
93 889
119 600
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
184 000
184 000
184 000
184 000
Total tax
65 802
68 540
55 976
32 555
After tax
118 198
115 460
128 024
151 445
Living cost
28 449
28 449
28 449
28 449
Free-cash
89 749
87 011
99 575
122 996

Estimated living cost  is ₽28449 per week

₽18739
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.
₽436
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.
₽7030
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
₽96045
₽96403
₽101547
₽95638
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
-
-
-
184 000
income
-
-
-
27 600
health
-
-
-
12 844
social contributions
-
-
-
25 391
total
-
-
-
65 835
Employee
26 572
-
184 000
-
health
1 855
-
12 844
-
income
4 432
-
32 744
-
social contributions
3 668
-
25 391
-
total
9 955
-
70 979
-
Employer
26 572
-
184 000
-
total
-
-
-
-
Corporate
157 428
184 000
-
-
income

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

7 872
9 200
-
-
total
7 872
9 200
-
-
Dividends
149 556
174 800
-
-
social contributions
20 638
24 123
-
-
withholding
22 433
26 220
-
-
health
10 439
12 201
-
-
total
53 510
62 544
-
-
Income
184 000
184 000
184 000
184 000
Total tax
71 337
71 744
70 979
65 835
After tax
112 663
112 256
113 021
118 165
Living cost
16 618
16 618
16 618
16 618
Free-cash
96 045
95 638
96 403
101 547

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4088
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
₽96922
₽80074
₽88368
₽104747
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
-
-
-
184 000
income
-
-
-
20 031
health
-
-
-
24 840
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
3 207
total
-
-
-
73 695
Employee
32 261
-
148 686
-
health
4 355
-
20 073
-
solidarity contribution
-
-
2 463
-
income
3 871
-
18 437
-
social contributions
2 097
-
5 702
-
total
10 323
-
46 675
-
Employer
32 261
-
148 686
-
health
2 903
-
13 382
-
social contributions
8 065
-
21 932
-
total
10 968
-
35 314
-
Corporate
140 771
184 000
-
-
income
26 746
34 960
-
-
total
26 746
34 960
-
-
Dividends
114 024
149 040
-
-
withholding
17 104
22 356
-
-
total
17 104
22 356
-
-
Income
184 000
184 000
184 000
184 000
Total tax
65 141
57 316
81 989
73 695
After tax
118 859
126 684
102 011
110 305
Living cost
21 937
21 937
21 937
21 937
Free-cash
96 922
104 747
80 074
88 368

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
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.
₽4029
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
₽163561
₽137735
₽172695
₽165335
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%.

-
-
-
184 000
microenterprise

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

-
-
-
1 840
total
-
-
-
1 840
Employee
11 832
-
184 000
-
income
2 366
-
36 800
-
total
2 366
-
36 800
-
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%.

172 168
184 000
-
-
total
-
-
-
-
Dividends
172 168
184 000
-
-
withholding
8 608
9 200
-
-
total
8 608
9 200
-
-
Income
184 000
184 000
184 000
184 000
Total tax
10 974
9 200
36 800
1 840
After tax
173 026
174 800
147 200
182 160
Living cost
9 465
9 465
9 465
9 465
Free-cash
163 561
165 335
137 735
172 695

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽60275
₽56290
₽62168
₽54884
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
-
-
-
184 000
income
-
-
-
35 390
other
-
-
-
5 704
health
-
-
-
9 215
social contributions
-
-
-
5 242
pensions
-
-
-
28 429
surtax
-
-
-
-
total
-
-
-
83 980
Employee
49 085
-
140 012
-
pensions
5 552
-
10 729
-
income
4 283
-
31 152
-
social contributions
1 398
-
3 989
-
surtax
-
-
-
-
total
11 233
-
45 870
-
Employer
49 085
-
140 012
-
health
3 435
-
14 130
-
social contributions
147
-
419
-
pensions
8 065
-
17 884
-
unemployment
1 988
-
5 671
-
other
1 694
-
5 884
-
total
15 329
-
43 988
-
Corporate
119 585
184 000
-
-
income
33 483
51 521
-
-
surtax
-
-
-
-
total
33 483
51 521
-
-
Dividends
86 101
132 479
-
-
social contributions
14 808
22 786
-
-
surtax
-
-
-
-
withholding
11 020
16 957
-
-
total
25 828
39 743
-
-
Income
184 000
184 000
184 000
184 000
Total tax
85 873
91 264
89 858
83 980
After tax
98 127
92 736
94 142
100 020
Living cost
37 852
37 852
37 852
37 852
Free-cash
60 275
54 884
56 290
62 168

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
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.
₽8618
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
₽115583
₽105925
₽105925
₽119428
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.

-
-
-
184 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
42 736
health
-
-
-
5 948
total
-
-
-
64 563
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.

20 376
-
173 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
42 736
-
total
6 864
-
54 227
-
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.

20 376
-
173 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
159 977
184 000
-
-
income
23 997
27 600
-
-
total
23 997
27 600
-
-
Dividends
135 981
156 400
-
-
withholding
20 397
23 460
-
-
total
20 397
23 460
-
-
Income
184 000
184 000
184 000
184 000
Total tax
54 905
51 060
64 563
64 563
After tax
129 095
132 940
119 437
119 437
Living cost
13 512
13 512
13 512
13 512
Free-cash
115 583
119 428
105 925
105 925

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
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
₽53651
₽85244
₽90476
₽30850
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
-
-
-
184 000
pensions
-
-
-
16 927
city
-
-
-
1 939
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.

-
-
-
3 680
health
-
-
-
413
regional
-
-
-
11 153
national
-
-
-
6 123
total
-
-
-
40 235
Employee
62 361
-
166 273
-
health
141
-
374
-
unemployment
-
-
-
-
city
669
-
1 807
-
pensions
5 239
-
12 199
-
regional
2 042
-
10 042
-
national
295
-
5 146
-
total
8 386
-
29 568
-
Employer
62 361
-
166 273
-
health
141
-
374
-
pensions
5 239
-
12 199
-
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.

1 247
-
3 326
-
total
6 627
-
15 899
-
Corporate
114 326
184 000
-
-
regional
24 180
38 916
-
-
national
9 717
15 640
-
-
total
33 897
54 556
-
-
Dividends
80 428
129 444
-
-
withholding
28 150
45 305
-
-
total
28 150
45 305
-
-
Income
184 000
184 000
184 000
184 000
Total tax
77 060
99 861
45 467
40 235
After tax
106 940
84 139
138 533
143 765
Living cost
53 289
53 289
53 289
53 289
Free-cash
53 651
30 850
85 244
90 476

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽84772
₽60836
₽81913
₽82354
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

-
-
-
184 000
municipal
-
-
-
32 668
health
-
-
-
2 506
national
-
-
-
36 824
total
-
-
-
71 998
Employee
41 232
-
154 791
-
health
308
-
2 057
-
unemployment
619
-
2 322
-
pensions
2 783
-
10 448
-
national
681
-
23 845
-
municipal
6 754
-
25 194
-
total
11 145
-
63 866
-
Employer
41 232
-
154 791
-
health
317
-
1 191
-
pensions
7 154
-
26 856
-
accident
42
-
155
-
unemployment
268
-
1 007
-
total
7 781
-
29 209
-
Corporate
134 988
184 000
-
-
income
26 998
36 800
-
-
total
26 998
36 800
-
-
Dividends

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

80 993
110 400
-
-
municipal
14 579
19 872
-
-
national
8 636
14 885
-
-
total
23 215
34 757
-
-
Income
184 000
184 000
184 000
184 000
Total tax
69 139
71 557
93 075
71 998
After tax
114 861
112 443
90 925
112 002
Living cost
30 089
30 089
30 089
30 089
Free-cash
84 772
82 354
60 836
81 913

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7063
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
₽62482
₽33642
₽51493
₽71968
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
-
-
-
184 000
communal

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

-
-
-
9 868
social contributions
-
-
-
19 539
national
-
-
-
74 525
total
-
-
-
103 932
Employee

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

56 059
-
142 517
-
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.

2 634
-
6 698
-
communal

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

2 924
-
7 433
-
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.

488
-
1 240
-
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.

4 204
-
10 689
-
national
17 235
-
54 239
-
total
27 485
-
80 299
-
Employer

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

56 059
-
142 517
-
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.

3 447
-
8 764
-
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.

4 967
-
12 627
-
surtax
6 356
-
16 160
-
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.

729
-
1 852
-
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.

818
-
2 081
-
total
16 317
-
41 484
-
Corporate
111 623
184 000
-
-
income
22 325
39 975
-
-
surtax
446
800
-
-
total
22 771
40 775
-
-
Dividends
88 852
143 225
-
-
withholding

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

26 370
42 682
-
-
total
26 370
42 682
-
-
Income
184 000
184 000
184 000
184 000
Total tax
92 943
83 457
121 783
103 932
After tax
91 057
100 543
62 217
80 068
Living cost
28 575
28 575
28 575
28 575
Free-cash
62 482
71 968
33 642
51 493

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽7223
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
₽65688
₽57556
₽58383
₽66452
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
-
-
-
184 000
unemployment
-
-
-
75
municipal
-
-
-
48 429
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
21 581
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
91 605
Employee
48 465
-
160 578
-
national
-
-
21 125
-
municipal
14 452
-
47 885
-
total
14 452
-
69 010
-
Employer
48 465
-
160 578
-
health
2 981
-
4 584
-
pensions
5 239
-
8 058
-
accident
97
-
149
-
unemployment
1 279
-
1 968
-
other
5 632
-
8 662
-
total
15 228
-
23 421
-
Corporate
120 308
184 000
-
-
income
26 468
40 480
-
-
total
26 468
40 480
-
-
Dividends
93 840
143 520
-
-
withholding
28 152
43 056
-
-
total
28 152
43 056
-
-
Income
184 000
184 000
184 000
184 000
Total tax
84 300
83 536
92 431
91 605
After tax
99 700
100 464
91 569
92 395
Living cost
34 012
34 012
34 012
34 012
Free-cash
65 688
66 452
57 556
58 383

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
₽32313
₽134574
₽89282
₽74069
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
-
-
-
184 000
income
-
-
-
35 865
social contributions
-
-
-
20 976
total
-
-
-
56 841
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
53 112
184 000
-
-
income
11 685
40 480
-
-
total
11 685
40 480
-
-
Dividends
41 428
143 520
-
-
income
9 114
31 574
-
-
total
9 114
31 574
-
-
Income
184 000
184 000
184 000
184 000
Total tax
113 810
72 054
11 549
56 841
After tax
70 190
111 946
172 451
127 159
Living cost
37 877
37 877
37 877
37 877
Free-cash
32 313
74 069
134 574
89 282

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9256
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
₽105412
₽96550
₽98044
₽108659
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
-
-
-
184 000
income
-
-
-
43 165
health
-
-
-
4 692
social contributions
-
-
-
12 680
total
-
-
-
60 537
Employee
60 263
60 263
174 034
-
health
599
1 025
2 958
-
income
6 328
5 579
42 361
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
52 065
-
Employer
60 263
60 263
174 034
-
health
653
1 115
3 220
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
9 966
-
Corporate
145 143
117 620
-
-
income
18 143
14 703
-
-
total
18 143
14 703
-
-
Dividends
127 001
102 917
-
-
withholding
21 590
17 496
-
-
total
21 590
17 496
-
-
Income
184 000
184 000
184 000
184 000
Total tax
53 169
49 922
62 031
60 537
After tax
130 831
134 078
121 969
123 463
Living cost
25 419
25 419
25 419
25 419
Free-cash
105 412
108 659
96 550
98 044

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
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.
₽5631
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
₽91340
₽73705
₽90080
₽86854
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
-
-
-
184 000
income
-
-
-
57 958
pensions
-
-
-
7 826
total
-
-
-
65 784
Employee
38 621
-
160 266
-
health
504
-
2 127
-
pensions
2 948
-
9 257
-
income
7 033
-
47 042
-
total
10 485
-
58 426
-
Employer
38 621
-
160 266
-
health
734
-
3 044
-
pensions
3 902
-
20 689
-
total
4 636
-
23 733
-
Corporate
140 743
184 000
-
-
income

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

26 741
34 961
-
-
total
26 741
34 961
-
-
Dividends
114 002
149 039
-
-
withholding
22 662
34 049
-
-
total
22 662
34 049
-
-
Income
184 000
184 000
184 000
184 000
Total tax
64 524
69 010
82 159
65 784
After tax
119 476
114 990
101 841
118 216
Living cost
28 136
28 136
28 136
28 136
Free-cash
91 340
86 854
73 705
90 080

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
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.
₽5894
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
₽62132
₽49160
₽55597
₽65698
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
-
-
-
184 000
municipal
-
-
-
1 303
regional
-
-
-
4 559
social contributions
-
-
-
39 224
national
-
-
-
52 096
total
-
-
-
97 182
Employee
66 040
-
184 000
-
social contributions
22 268
-
51 424
-
regional
997
-
4 153
-
national
11 160
-
46 849
-
municipal
394
-
1 193
-
total
34 819
-
103 619
-
Employer
66 040
-
184 000
-
total
-
-
-
-
Corporate
117 960
184 000
-
-
nationa
28 311
44 160
-
-
municipal
5 686
8 868
-
-
total
33 997
53 028
-
-
Dividends
83 963
130 971
-
-
withholding
21 831
34 053
-
-
total
21 831
34 053
-
-
Income
184 000
184 000
184 000
184 000
Total tax
90 647
87 081
103 619
97 182
After tax
93 353
96 919
80 381
86 818
Living cost
31 221
31 221
31 221
31 221
Free-cash
62 132
65 698
49 160
55 597

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽6670
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
₽12335
₽84964
₽108866
-₽1833
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
-
-
-
184 000
pensions
-
-
-
3 165
income
-
-
-
53 099
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
58 397
Employee
26 328
-
168 669
-
health
3 015
-
19 313
-
pensions
2 965
-
5 804
-
income
3 612
-
41 851
-
total
9 592
-
66 968
-
Employer
26 328
-
168 669
-
pensions
4 281
-
8 381
-
accident
440
-
2 817
-
unemployment
645
-
4 133
-
total
5 366
-
15 331
-
Corporate
152 307
184 000
-
-
income

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

137 076
165 600
-
-
total
137 076
165 600
-
-
Dividends
15 231
18 400
-
-
withholding
2 894
3 496
-
-
total
2 894
3 496
-
-
Income
184 000
184 000
184 000
184 000
Total tax
154 928
169 096
82 299
58 397
After tax
29 072
14 904
101 701
125 603
Living cost
16 737
16 737
16 737
16 737
Free-cash
12 335
-1 833
84 964
108 866

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽74616
₽83007
₽61832
₽64364
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.

-
-
-
184 000
trade
-
-
-
21 175
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.

-
-
-
61 973
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.

-
-
-
5 354
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.

-
-
-
3 409
total
-
-
-
91 911
Employee

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

38 994
-
184 000
-
health

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

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

5 354
-
5 354
-
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.

3 206
-
61 973
-
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.

177
-
3 409
-
total
8 737
-
70 736
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
145 006
184 000
-
-
income
21 751
27 600
-
-
trade
20 808
26 404
-
-
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.

1 196
1 518
-
-
chamber of commerce
332
388
-
-
total
44 087
55 910
-
-
Dividends
100 920
128 089
-
-
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.

1 371
1 745
-
-
withholding
24 932
31 724
-
-
total
26 303
33 469
-
-
Income
184 000
184 000
184 000
184 000
Total tax
79 127
89 379
70 736
91 911
After tax
104 873
94 621
113 264
92 089
Living cost
30 257
30 257
30 257
30 257
Free-cash
74 616
64 364
83 007
61 832

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
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.
₽5690
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
₽124468
₽64101
₽51139
₽130896
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.

-
-
-
184 000
income
-
-
-
39 609
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.

-
-
-
30 027
surtax
-
-
-
46 921
total
-
-
-
116 557
Employee
22 900
-
145 496
-
income
4 076
-
33 721
-
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.

2 519
-
10 274
-
surtax
-
-
21 096
-
total
6 595
-
65 091
-
Employer
22 900
-
145 496
-
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.

5 516
-
22 500
-
surtax
-
-
16 004
-
total
5 516
-
38 504
-
Corporate
155 584
184 000
-
-
income

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

31 117
36 800
-
-
total
31 117
36 800
-
-
Dividends

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

124 466
147 200
-
-
total
-
-
-
-
Income
184 000
184 000
184 000
184 000
Total tax
43 228
36 800
103 595
116 557
After tax
140 772
147 200
80 405
67 443
Living cost
16 304
16 304
16 304
16 304
Free-cash
124 468
130 896
64 101
51 139

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽3980
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
₽103472
₽103442
₽104136
₽105073
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
-
-
-
184 000
income
-
-
-
57 862
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
70 121
Employee
14 840
-
176 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
57 489
-
total
5 097
-
62 819
-
Employer
14 840
-
176 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
165 821
184 000
-
-
income
36 481
40 480
-
-
total
36 481
40 480
-
-
Dividends
129 340
143 520
-
-
withholding
25 868
28 704
-
-
total
25 868
28 704
-
-
Income
184 000
184 000
184 000
184 000
Total tax
70 785
69 184
70 815
70 121
After tax
113 215
114 816
113 185
113 879
Living cost
9 743
9 743
9 743
9 743
Free-cash
103 472
105 073
103 442
104 136

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽95639
₽64069
₽68862
₽98133
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
-
-
-
184 000
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
58 958
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
10 054
total
-
-
-
97 535
Employee
26 392
-
161 983
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
54 272
-
other
-
-
-
-
surtax
94
-
9 115
-
total
8 791
-
80 311
-
Employer
26 392
-
161 983
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
152 051
184 000
-
-
income
39 534
47 840
-
-
total
39 534
47 840
-
-
Dividends
112 518
136 160
-
-
withholding
16 877
20 424
-
-
total
16 877
20 424
-
-
Income
184 000
184 000
184 000
184 000
Total tax
70 758
68 264
102 328
97 535
After tax
113 242
115 736
81 672
86 465
Living cost
17 603
17 603
17 603
17 603
Free-cash
95 639
98 133
64 069
68 862

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽5037
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
₽76060
₽23138
₽69288
₽76449
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
-
-
-
184 000
pensions
-
-
-
16 938
chamber of commerce