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
₽ 184500
per

Your estimated
City
free-cash

Valencia , Spain
₽97278
₽78051
₽81357
₽100757
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
-
-
-
184 500
unemployment
-
-
-
512
income
-
-
-
59 554
other
-
-
-
73
accident
-
-
-
658
pensions
-
-
-
20 673
total
-
-
-
81 470
Employee
29 143
-
161 211
-
unemployment
452
-
1 132
-
pensions
1 370
-
3 434
-
income
5 619
-
56 848
-
other
28
-
73
-
total
7 469
-
61 487
-
Employer
29 143
-
161 211
-
pensions
6 877
-
17 241
-
accident
577
-
1 446
-
unemployment
1 603
-
4 017
-
other
233
-
585
-
total
9 290
-
23 289
-
Corporate
146 066
184 500
-
-
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.

21 910
27 675
-
-
total
21 910
27 675
-
-
Dividends
124 156
156 825
-
-
withholding
26 880
34 395
-
-
total
26 880
34 395
-
-
Income
184 500
184 500
184 500
184 500
Total tax
65 549
62 070
84 776
81 470
After tax
118 951
122 430
99 724
103 030
Living cost
21 673
21 673
21 673
21 673
Free-cash
97 278
100 757
78 051
81 357

Estimated living cost  is ₽21673 per week

₽14629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2083
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.
₽4581
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
₽109227
₽89403
₽90910
₽114549
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
-
-
-
184 500
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.

-
-
-
28 765
income
-
-
-
32 857
other
-
-
-
5 693
health
-
-
-
5 274
total
-
-
-
72 589
Employee
28 617
-
154 024
-
health
401
-
1 678
-
unemployment
286
-
1 198
-
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.

2 003
-
8 389
-
income
4 927
-
32 355
-
total
7 617
-
43 620
-
Employer
28 617
-
154 024
-
health
401
-
1 678
-
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.

4 865
-
20 376
-
accident
229
-
1 232
-
unemployment
286
-
1 198
-
other
1 431
-
5 992
-
total
7 212
-
30 476
-
Corporate
148 671
184 500
-
-
income
31 221
38 746
-
-
total
31 221
38 746
-
-
Dividends
117 450
145 754
-
-
withholding
8 222
10 204
-
-
total
8 222
10 204
-
-
Income
184 500
184 500
184 500
184 500
Total tax
54 272
48 950
74 096
72 589
After tax
130 228
135 550
110 404
111 911
Living cost
21 001
21 001
21 001
21 001
Free-cash
109 227
114 549
89 403
90 910

Estimated living cost  is ₽21001 per week

₽14839
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1418
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽338
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.
₽4406
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
₽143725
₽146831
₽139106
₽147394
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
-
-
-
184 500
pensions

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

-
-
-
4 083
unemployment
-
-
-
110
income
-
-
-
27 675
health
-
-
-
3 172
total
-
-
-
35 040
Employee
13 710
-
179 088
-
health
631
-
1 269
-
accident

We are using the highest rate at 1.1%.

151
-
303
-
pensions

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

1 204
-
2 422
-
income
1 371
-
17 909
-
total
3 357
-
21 903
-
Employer
13 710
-
179 088
-
health
946
-
1 903
-
pensions

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

1 511
-
3 040
-
accident

We are using the highest rate at 1.1%.

151
-
303
-
unemployment
82
-
166
-
total
2 690
-
5 412
-
Corporate
168 100
184 500
-
-
income
16 810
18 450
-
-
total
16 810
18 450
-
-
Dividends
151 290
166 050
-
-
withholding
7 564
8 302
-
-
total
7 564
8 302
-
-
Income
184 500
184 500
184 500
184 500
Total tax
30 421
26 752
27 315
35 040
After tax
154 079
157 748
157 185
149 460
Living cost
10 354
10 354
10 354
10 354
Free-cash
143 725
147 394
146 831
139 106

Estimated living cost  is ₽10354 per week

₽6045
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽739
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽274
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.
₽3296
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
₽70674
₽67510
₽73371
₽66022
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
-
-
-
184 500
income
-
-
-
35 413
other
-
-
-
5 719
health
-
-
-
9 228
social contributions
-
-
-
5 257
pensions
-
-
-
28 547
surtax
-
-
-
-
total
-
-
-
84 164
Employee
33 732
-
140 415
-
pensions
3 814
-
10 749
-
income
1 991
-
31 189
-
social contributions
962
-
4 001
-
surtax
-
-
-
-
total
6 767
-
45 939
-
Employer
33 732
-
140 415
-
health
2 362
-
14 159
-
social contributions
102
-
422
-
pensions
5 541
-
17 920
-
unemployment
1 366
-
5 687
-
other
1 164
-
5 898
-
total
10 535
-
44 086
-
Corporate
140 234
184 500
-
-
income
39 266
51 661
-
-
surtax
-
-
-
-
total
39 266
51 661
-
-
Dividends
100 968
132 839
-
-
social contributions
17 368
22 848
-
-
surtax
-
-
-
-
withholding
12 924
17 003
-
-
total
30 292
39 851
-
-
Income
184 500
184 500
184 500
184 500
Total tax
86 860
91 512
90 025
84 164
After tax
97 640
92 988
94 475
100 336
Living cost
26 966
26 966
26 966
26 966
Free-cash
70 674
66 022
67 510
73 371

Estimated living cost  is ₽26966 per week

₽17003
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2193
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽7312
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
₽54181
₽84966
₽65665
₽59009
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
-
-
-
184 500
pensions
-
-
-
9 234
income
-
-
-
66 865
health
-
-
-
9 719
total
-
-
-
85 818
Employee
67 306
67 306
169 853
-
health
10 331
8 787
9 719
-
pensions
12 115
9 234
9 234
-
income

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

11 017
11 017
32 916
-
total
33 463
29 038
51 869
-
Employer
67 306
67 306
169 853
-
health
4 678
4 678
5 814
-
pensions
4 684
4 684
5 823
-
unemployment
2 423
2 423
3 011
-
total
11 785
11 785
14 648
-
Corporate
106 234
105 409
-
-
income
21 246
21 082
-
-
total
21 246
21 082
-
-
Dividends
84 988
84 327
-
-
income
18 060
17 920
-
-
withholding
12 748
12 649
-
-
total
30 808
30 569
-
-
Income
184 500
184 500
184 500
184 500
Total tax
97 302
92 474
66 517
85 818
After tax
87 198
92 026
117 983
98 682
Living cost
33 017
33 017
33 017
33 017
Free-cash
54 181
59 009
84 966
65 665

Estimated living cost  is ₽33017 per week

₽23398
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2976
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽6117
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
₽77826
₽89733
₽66445
₽69108
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.

-
-
-
184 500
trade
-
-
-
23 288
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.

-
-
-
62 095
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.

-
-
-
5 384
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.

-
-
-
3 415
total
-
-
-
94 182
Employee

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

30 146
-
184 500
-
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.

5 384
-
5 384
-
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.

842
-
62 095
-
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
-
3 415
-
total
6 272
-
70 894
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
154 354
184 500
-
-
income
23 153
27 675
-
-
trade
24 311
29 058
-
-
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.

1 273
1 523
-
-
chamber of commerce
341
384
-
-
total
49 078
58 640
-
-
Dividends
105 277
125 860
-
-
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.

1 431
1 714
-
-
withholding
26 020
31 165
-
-
total
27 451
32 879
-
-
Income
184 500
184 500
184 500
184 500
Total tax
82 801
91 519
70 894
94 182
After tax
101 699
92 981
113 606
90 318
Living cost
23 873
23 873
23 873
23 873
Free-cash
77 826
69 108
89 733
66 445

Estimated living cost  is ₽23873 per week

₽15017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2783
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.
₽5627
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
₽111909
₽104073
₽105571
₽116198
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
-
-
-
184 500
income
-
-
-
43 224
health
-
-
-
4 705
social contributions
-
-
-
12 752
total
-
-
-
60 681
Employee
60 606
60 606
174 488
-
health
470
1 031
2 966
-
income
6 599
5 610
42 417
-
social contributions
2 291
5 030
6 784
-
total
9 360
11 671
52 167
-
Employer
60 606
60 606
174 488
-
health
510
1 122
3 228
-
social contributions
2 291
5 030
6 784
-
total
2 801
6 152
10 012
-
Corporate
154 091
117 743
-
-
income
19 261
14 717
-
-
total
19 261
14 717
-
-
Dividends
134 829
103 025
-
-
withholding
22 921
17 514
-
-
total
22 921
17 514
-
-
Income
184 500
184 500
184 500
184 500
Total tax
54 343
50 054
62 179
60 681
After tax
130 157
134 446
122 321
123 819
Living cost
18 248
18 248
18 248
18 248
Free-cash
111 909
116 198
104 073
105 571

Estimated living cost  is ₽18248 per week

₽10936
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1790
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.
₽5118
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
₽79429
₽56478
₽71155
₽80221
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.

-
-
-
184 500
income
-
-
-
24 509
social contributions

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

-
-
-
64 114
surtax
-
-
-
-
total
-
-
-
88 623
Employee
36 249
-
149 091
-
income
7 540
-
51 165
-
social contributions
3 987
-
16 400
-
surtax
-
-
326
-
total
11 527
-
67 891
-
Employer
36 249
-
149 091
-
social contributions
8 609
-
35 409
-
total
8 609
-
35 409
-
Corporate
139 642
184 500
-
-
income
29 324
38 746
-
-
surtax
-
-
-
-
total
29 324
38 746
-
-
Dividends
110 317
145 754
-
-
withholding
30 889
40 811
-
-
total
30 889
40 811
-
-
Income
184 500
184 500
184 500
184 500
Total tax
80 349
79 557
103 300
88 623
After tax
104 151
104 943
81 200
95 877
Living cost
24 722
24 722
24 722
24 722
Free-cash
79 429
80 221
56 478
71 155

Estimated living cost  is ₽24722 per week

₽18497
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1458
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.
₽4354
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
₽168179
₽141624
₽176679
₽169299
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%.

-
-
-
184 500
microenterprise

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

-
-
-
1 845
total
-
-
-
1 845
Employee
7 469
-
184 500
-
income
1 494
-
36 900
-
total
1 494
-
36 900
-
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%.

177 031
184 500
-
-
total
-
-
-
-
Dividends
177 031
184 500
-
-
withholding
8 851
9 225
-
-
total
8 851
9 225
-
-
Income
184 500
184 500
184 500
184 500
Total tax
10 345
9 225
36 900
1 845
After tax
174 155
175 275
147 600
182 655
Living cost
5 976
5 976
5 976
5 976
Free-cash
168 179
169 299
141 624
176 679

Estimated living cost  is ₽5976 per week

₽3703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽497
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽164
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.
₽1611
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
₽99297
₽59752
₽63757
₽105887
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.

-
-
-
184 500
pensions
-
-
-
33 695
unemployment
-
-
-
277
income
-
-
-
47 476
health
-
-
-
18 155
total
-
-
-
99 603
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.

34 853
-
159 643
-
health
2 251
-
10 313
-
unemployment
49
-
223
-
pensions
5 402
-
24 744
-
income
6 010
-
43 471
-
total
13 712
-
78 751
-
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.

34 853
-
159 643
-
health
2 321
-
10 633
-
pensions
3 084
-
14 128
-
unemployment
21
-
96
-
total
5 426
-
24 857
-
Corporate
144 221
184 500
-
-
income
27 402
35 056
-
-
total
27 402
35 056
-
-
Dividends
116 819
149 444
-
-
withholding
17 523
22 417
-
-
total
17 523
22 417
-
-
Income
184 500
184 500
184 500
184 500
Total tax
64 063
57 473
103 608
99 603
After tax
120 437
127 027
80 892
84 897
Living cost
21 140
21 140
21 140
21 140
Free-cash
99 297
105 887
59 752
63 757

Estimated living cost  is ₽21140 per week

₽14508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1355
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.
₽4868
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
₽89904
₽99785
₽123258
₽87152
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.

-
-
-
184 500
income
-
-
-
27 675
health

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

-
-
-
4 957
total
-
-
-
32 632
Employee
36 156
-
180 874
-
social contributions
3 623
-
3 626
-
income
3 923
-
48 853
-
total
7 546
-
52 479
-
Employer
36 156
-
180 874
-
social contributions
3 623
-
3 626
-
total
3 623
-
3 626
-
Corporate
144 721
184 500
-
-
income
50 653
64 574
-
-
total
50 653
64 574
-
-
Dividends
94 069
119 926
-
-
social contributions
4 164
4 164
-
-
total
4 164
4 164
-
-
Income
184 500
184 500
184 500
184 500
Total tax
65 986
68 738
56 105
32 632
After tax
118 514
115 762
128 395
151 868
Living cost
28 610
28 610
28 610
28 610
Free-cash
89 904
87 152
99 785
123 258

Estimated living cost  is ₽28610 per week

₽18846
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2255
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽7070
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
₽96259
₽96627
₽101773
₽95848
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
-
-
-
184 500
income
-
-
-
27 675
health
-
-
-
12 878
social contributions
-
-
-
25 461
total
-
-
-
66 014
Employee
26 723
-
184 500
-
health
1 865
-
12 878
-
income
4 457
-
32 821
-
social contributions
3 688
-
25 461
-
total
10 010
-
71 160
-
Employer
26 723
-
184 500
-
total
-
-
-
-
Corporate
157 777
184 500
-
-
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%.

7 888
9 225
-
-
total
7 888
9 225
-
-
Dividends
149 889
175 275
-
-
social contributions
20 685
24 188
-
-
withholding
22 483
26 291
-
-
health
10 462
12 235
-
-
total
53 630
62 714
-
-
Income
184 500
184 500
184 500
184 500
Total tax
71 528
71 939
71 160
66 014
After tax
112 972
112 561
113 340
118 486
Living cost
16 713
16 713
16 713
16 713
Free-cash
96 259
95 848
96 627
101 773

Estimated living cost  is ₽16713 per week

₽11185
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1031
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽384
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.
₽4112
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
₽97063
₽80154
₽88462
₽104942
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
-
-
-
184 500
income
-
-
-
20 070
health
-
-
-
24 908
social contributions
-
-
-
25 790
solidarity contribution
-
-
-
3 184
total
-
-
-
73 952
Employee
32 479
-
149 008
-
health
4 385
-
20 116
-
solidarity contribution
-
-
2 438
-
income
3 897
-
18 473
-
social contributions
2 111
-
5 741
-
total
10 393
-
46 768
-
Employer
32 479
-
149 008
-
health
2 923
-
13 411
-
social contributions
8 120
-
22 081
-
total
11 043
-
35 492
-
Corporate
140 978
184 500
-
-
income
26 786
35 055
-
-
total
26 786
35 055
-
-
Dividends
114 192
149 445
-
-
withholding
17 129
22 417
-
-
total
17 129
22 417
-
-
Income
184 500
184 500
184 500
184 500
Total tax
65 351
57 472
82 260
73 952
After tax
119 149
127 028
102 240
110 548
Living cost
22 086
22 086
22 086
22 086
Free-cash
97 063
104 942
80 154
88 462

Estimated living cost  is ₽22086 per week

₽16424
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1223
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.
₽4056
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
₽164217
₽138288
₽173343
₽165963
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%.

-
-
-
184 500
microenterprise

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

-
-
-
1 845
total
-
-
-
1 845
Employee
11 640
-
184 500
-
income
2 328
-
36 900
-
total
2 328
-
36 900
-
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%.

172 860
184 500
-
-
total
-
-
-
-
Dividends
172 860
184 500
-
-
withholding
8 643
9 225
-
-
total
8 643
9 225
-
-
Income
184 500
184 500
184 500
184 500
Total tax
10 971
9 225
36 900
1 845
After tax
173 529
175 275
147 600
182 655
Living cost
9 312
9 312
9 312
9 312
Free-cash
164 217
165 963
138 288
173 343

Estimated living cost  is ₽9312 per week

₽6302
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽312
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.
₽2307
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
₽60339
₽56408
₽62269
₽54921
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
-
-
-
184 500
income
-
-
-
35 413
other
-
-
-
5 719
health
-
-
-
9 228
social contributions
-
-
-
5 257
pensions
-
-
-
28 547
surtax
-
-
-
-
total
-
-
-
84 164
Employee
49 364
-
140 415
-
pensions
5 583
-
10 749
-
income
4 307
-
31 189
-
social contributions
1 406
-
4 001
-
surtax
-
-
-
-
total
11 296
-
45 939
-
Employer
49 364
-
140 415
-
health
3 455
-
14 159
-
social contributions
148
-
422
-
pensions
8 111
-
17 920
-
unemployment
2 000
-
5 687
-
other
1 704
-
5 898
-
total
15 418
-
44 086
-
Corporate
119 719
184 500
-
-
income
33 521
51 661
-
-
surtax
-
-
-
-
total
33 521
51 661
-
-
Dividends
86 198
132 839
-
-
social contributions
14 825
22 848
-
-
surtax
-
-
-
-
withholding
11 034
17 003
-
-
total
25 859
39 851
-
-
Income
184 500
184 500
184 500
184 500
Total tax
86 094
91 512
90 025
84 164
After tax
98 406
92 988
94 475
100 336
Living cost
38 067
38 067
38 067
38 067
Free-cash
60 339
54 921
56 408
62 269

Estimated living cost  is ₽38067 per week

₽25763
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3114
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.
₽8667
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
₽115854
₽106135
₽106134
₽119719
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.

-
-
-
184 500
pensions
-
-
-
15 091
unemployment
-
-
-
871
income
-
-
-
42 844
health
-
-
-
5 978
total
-
-
-
64 784
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.

20 481
-
174 111
-
health
1 055
-
2 989
-
unemployment
154
-
435
-
pensions
2 867
-
8 126
-
income
2 823
-
42 844
-
total
6 899
-
54 394
-
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.

20 481
-
174 111
-
health
1 055
-
2 989
-
pensions
2 458
-
6 965
-
unemployment
154
-
435
-
total
3 667
-
10 389
-
Corporate
160 353
184 500
-
-
income
24 053
27 675
-
-
total
24 053
27 675
-
-
Dividends
136 300
156 825
-
-
withholding
20 445
23 524
-
-
total
20 445
23 524
-
-
Income
184 500
184 500
184 500
184 500
Total tax
55 064
51 199
64 783
64 784
After tax
129 436
133 301
119 717
119 716
Living cost
13 582
13 582
13 582
13 582
Free-cash
115 854
119 719
106 135
106 134

Estimated living cost  is ₽13582 per week

₽9145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽393
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.
₽2994
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
₽53704
₽85333
₽90597
₽30771
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
-
-
-
184 500
pensions
-
-
-
16 973
city
-
-
-
1 945
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.

-
-
-
3 691
health
-
-
-
416
regional
-
-
-
11 168
national
-
-
-
6 114
total
-
-
-
40 307
Employee
62 722
-
166 712
-
health
142
-
374
-
unemployment
-
-
-
-
city
673
-
1 812
-
pensions
5 269
-
12 246
-
regional
2 054
-
10 052
-
national
297
-
5 133
-
total
8 435
-
29 617
-
Employer
62 722
-
166 712
-
health
142
-
374
-
pensions
5 269
-
12 246
-
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.

1 254
-
3 334
-
total
6 665
-
15 954
-
Corporate
114 423
184 500
-
-
regional
24 201
39 021
-
-
national
9 725
15 683
-
-
total
33 926
54 704
-
-
Dividends
80 497
129 796
-
-
withholding
28 174
45 429
-
-
total
28 174
45 429
-
-
Income
184 500
184 500
184 500
184 500
Total tax
77 200
100 133
45 571
40 307
After tax
107 300
84 367
138 929
144 193
Living cost
53 596
53 596
53 596
53 596
Free-cash
53 704
30 771
85 333
90 597

Estimated living cost  is ₽53596 per week

₽34853
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4810
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
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.
₽13275
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
₽84950
₽60970
₽82106
₽82516
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

-
-
-
184 500
municipal
-
-
-
32 758
health
-
-
-
2 513
national
-
-
-
36 864
total
-
-
-
72 135
Employee
41 467
-
155 210
-
health
310
-
2 061
-
unemployment
622
-
2 329
-
pensions
2 798
-
10 477
-
national
685
-
23 850
-
municipal
6 792
-
25 262
-
total
11 207
-
63 979
-
Employer
41 467
-
155 210
-
health
319
-
1 195
-
pensions
7 194
-
26 930
-
accident
42
-
156
-
unemployment
269
-
1 010
-
total
7 824
-
29 291
-
Corporate
135 209
184 500
-
-
income
27 042
36 900
-
-
total
27 042
36 900
-
-
Dividends

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

81 126
110 700
-
-
municipal
14 602
19 925
-
-
national
8 615
14 900
-
-
total
23 217
34 825
-
-
Income
184 500
184 500
184 500
184 500
Total tax
69 290
71 725
93 270
72 135
After tax
115 210
112 775
91 230
112 365
Living cost
30 260
30 260
30 260
30 260
Free-cash
84 950
82 516
60 970
82 106

Estimated living cost  is ₽30260 per week

₽19765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2911
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.
₽7103
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
₽62530
₽33671
₽51546
₽72110
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
-
-
-
184 500
communal

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

-
-
-
9 891
social contributions
-
-
-
19 650
national
-
-
-
74 676
total
-
-
-
104 217
Employee

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

56 377
-
142 902
-
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.

2 649
-
6 717
-
communal

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

2 941
-
7 453
-
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
-
1 243
-
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.

4 228
-
10 718
-
national
17 333
-
54 363
-
total
27 642
-
80 494
-
Employer

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

56 377
-
142 902
-
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.

3 467
-
8 789
-
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.

4 996
-
12 661
-
surtax
6 393
-
16 204
-
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.

733
-
1 858
-
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.

823
-
2 086
-
total
16 412
-
41 598
-
Corporate
111 712
184 500
-
-
income
22 342
40 044
-
-
surtax
447
800
-
-
total
22 789
40 844
-
-
Dividends
88 922
143 656
-
-
withholding

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

26 390
42 809
-
-
total
26 390
42 809
-
-
Income
184 500
184 500
184 500
184 500
Total tax
93 233
83 653
122 092
104 217
After tax
91 267
100 847
62 408
80 283
Living cost
28 737
28 737
28 737
28 737
Free-cash
62 530
72 110
33 671
51 546

Estimated living cost  is ₽28737 per week

₽18511
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2513
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7265
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
₽65849
₽57701
₽58528
₽66616
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
-
-
-
184 500
unemployment
-
-
-
75
municipal
-
-
-
48 558
other
-
-
-
8 690
health
-
-
-
4 666
national
-
-
-
21 628
accident
-
-
-
150
pensions
-
-
-
8 084
total
-
-
-
91 851
Employee
48 619
-
161 004
-
national
-
-
21 170
-
municipal
14 498
-
48 011
-
total
14 498
-
69 181
-
Employer
48 619
-
161 004
-
health
2 990
-
4 599
-
pensions
5 256
-
8 084
-
accident
97
-
150
-
unemployment
1 284
-
1 974
-
other
5 650
-
8 690
-
total
15 277
-
23 497
-
Corporate
120 605
184 500
-
-
income
26 533
40 590
-
-
total
26 533
40 590
-
-
Dividends
94 072
143 910
-
-
withholding
28 222
43 173
-
-
total
28 222
43 173
-
-
Income
184 500
184 500
184 500
184 500
Total tax
84 530
83 763
92 678
91 851
After tax
99 970
100 737
91 822
92 649
Living cost
34 121
34 121
34 121
34 121
Free-cash
65 849
66 616
57 701
58 528

Estimated living cost  is ₽34121 per week

₽22614
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3348
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽7641
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
₽32508
₽135006
₽89575
₽74321
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
-
-
-
184 500
income
-
-
-
35 963
social contributions
-
-
-
21 033
total
-
-
-
56 996
Employee
54 385
-
-
-
income
11 996
-
-
-
social contributions
4 460
-
636
-
total
16 456
-
636
-
Employer
54 385
-
-
-
social contributions
76 683
-
10 929
-
total
76 683
-
10 929
-
Corporate
53 432
184 500
-
-
income
11 755
40 590
-
-
total
11 755
40 590
-
-
Dividends
41 677
143 910
-
-
income
9 169
31 660
-
-
total
9 169
31 660
-
-
Income
184 500
184 500
184 500
184 500
Total tax
114 063
72 250
11 565
56 996
After tax
70 437
112 250
172 935
127 504
Living cost
37 929
37 929
37 929
37 929
Free-cash
32 508
74 321
135 006
89 575

Estimated living cost  is ₽37929 per week

₽24610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3567
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.
₽9268
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
₽105612
₽96757
₽98255
₽108882
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
-
-
-
184 500
income
-
-
-
43 224
health
-
-
-
4 705
social contributions
-
-
-
12 752
total
-
-
-
60 681
Employee
60 606
60 606
174 488
-
health
603
1 031
2 966
-
income
6 364
5 610
42 417
-
social contributions
2 945
5 030
6 784
-
total
9 912
11 671
52 167
-
Employer
60 606
60 606
174 488
-
health
657
1 122
3 228
-
social contributions
2 945
5 030
6 784
-
total
3 602
6 152
10 012
-
Corporate
145 423
117 743
-
-
income
18 178
14 717
-
-
total
18 178
14 717
-
-
Dividends
127 244
103 025
-
-
withholding
21 632
17 514
-
-
total
21 632
17 514
-
-
Income
184 500
184 500
184 500
184 500
Total tax
53 324
50 054
62 179
60 681
After tax
131 176
134 446
122 321
123 819
Living cost
25 564
25 564
25 564
25 564
Free-cash
105 612
108 882
96 757
98 255

Estimated living cost  is ₽25564 per week

₽17476
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1997
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5663
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
₽91606
₽73944
₽90360
₽87119
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
-
-
-
184 500
income
-
-
-
58 145
pensions
-
-
-
7 840
total
-
-
-
65 985
Employee
38 647
-
160 700
-
health
504
-
2 132
-
pensions
2 950
-
9 270
-
income
7 038
-
47 199
-
total
10 492
-
58 601
-
Employer
38 647
-
160 700
-
health
735
-
3 053
-
pensions
3 905
-
20 747
-
total
4 640
-
23 800
-
Corporate
141 214
184 500
-
-
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.

26 831
35 054
-
-
total
26 831
35 054
-
-
Dividends
114 383
149 446
-
-
withholding
22 776
34 172
-
-
total
22 776
34 172
-
-
Income
184 500
184 500
184 500
184 500
Total tax
64 739
69 226
82 401
65 985
After tax
119 761
115 274
102 099
118 515
Living cost
28 155
28 155
28 155
28 155
Free-cash
91 606
87 119
73 944
90 360

Estimated living cost  is ₽28155 per week

₽19314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2589
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.
₽5898
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
₽62200
₽49150
₽55625
₽65784
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
-
-
-
184 500
municipal
-
-
-
1 306
regional
-
-
-
4 567
social contributions
-
-
-
39 447
national
-
-
-
52 157
total
-
-
-
97 477
Employee
66 415
-
184 500
-
social contributions
22 395
-
51 716
-
regional
1 003
-
4 159
-
national
11 224
-
46 882
-
municipal
396
-
1 195
-
total
35 018
-
103 952
-
Employer
66 415
-
184 500
-
total
-
-
-
-
Corporate
118 085
184 500
-
-
nationa
28 340
44 280
-
-
municipal
5 691
8 893
-
-
total
34 031
53 173
-
-
Dividends
84 054
131 327
-
-
withholding
21 853
34 145
-
-
total
21 853
34 145
-
-
Income
184 500
184 500
184 500
184 500
Total tax
90 902
87 318
103 952
97 477
After tax
93 598
97 182
80 548
87 023
Living cost
31 398
31 398
31 398
31 398
Free-cash
62 200
65 784
49 150
55 625

Estimated living cost  is ₽31398 per week

₽22055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽474
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.
₽6708
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
₽12359
₽85106
₽109093
-₽1909
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
-
-
-
184 500
pensions
-
-
-
3 187
income
-
-
-
53 219
other
-
-
-
284
health
-
-
-
1 671
accident
-
-
-
193
total
-
-
-
58 554
Employee
26 510
-
169 094
-
health
3 035
-
19 361
-
pensions
2 985
-
5 844
-
income
3 637
-
41 930
-
total
9 657
-
67 135
-
Employer
26 510
-
169 094
-
pensions
4 311
-
8 439
-
accident
443
-
2 824
-
unemployment
649
-
4 143
-
total
5 403
-
15 406
-
Corporate
152 587
184 500
-
-
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.

137 329
166 050
-
-
total
137 329
166 050
-
-
Dividends
15 259
18 450
-
-
withholding
2 899
3 506
-
-
total
2 899
3 506
-
-
Income
184 500
184 500
184 500
184 500
Total tax
155 288
169 556
82 541
58 554
After tax
29 212
14 944
101 959
125 946
Living cost
16 853
16 853
16 853
16 853
Free-cash
12 359
-1 909
85 106
109 093

Estimated living cost  is ₽16853 per week

₽12352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽934
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.
₽3216
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
₽74760
₽83177
₽61959
₽64447
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.

-
-
-
184 500
trade
-
-
-
21 218
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.

-
-
-
62 095
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.

-
-
-
5 384
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.

-
-
-
3 415
total
-
-
-
92 112
Employee

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

39 216
-
184 500
-
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.

5 384
-
5 384
-
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.

3 225
-
62 095
-
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
-
3 415
-
total
8 787
-
70 894
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
145 284
184 500
-
-
income
21 792
27 675
-
-
trade
20 848
26 476
-
-
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.

1 198
1 523
-
-
chamber of commerce
332
390
-
-
total
44 170
56 064
-
-
Dividends
101 114
128 436
-
-
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.

1 375
1 750
-
-
withholding
24 979
31 810
-
-
total
26 354
33 560
-
-
Income
184 500
184 500
184 500
184 500
Total tax
79 311
89 624
70 894
92 112
After tax
105 189
94 876
113 606
92 388
Living cost
30 429
30 429
30 429
30 429
Free-cash
74 760
64 447
83 177
61 959

Estimated living cost  is ₽30429 per week

₽20990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3274
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5722
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
₽124737
₽64197
₽51193
₽131203
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.

-
-
-
184 500
income
-
-
-
39 664
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.

-
-
-
30 198
surtax
-
-
-
47 048
total
-
-
-
116 910
Employee
23 030
-
145 831
-
income
4 100
-
33 759
-
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.

2 534
-
10 332
-
surtax
-
-
21 146
-
total
6 634
-
65 237
-
Employer
23 030
-
145 831
-
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.

5 547
-
22 628
-
surtax
-
-
16 041
-
total
5 547
-
38 669
-
Corporate
155 922
184 500
-
-
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%.

31 185
36 900
-
-
total
31 185
36 900
-
-
Dividends

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

124 737
147 600
-
-
total
-
-
-
-
Income
184 500
184 500
184 500
184 500
Total tax
43 366
36 900
103 906
116 910
After tax
141 134
147 600
80 594
67 590
Living cost
16 397
16 397
16 397
16 397
Free-cash
124 737
131 203
64 197
51 193

Estimated living cost  is ₽16397 per week

₽10461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1561
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽372
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.
₽4002
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
₽103772
₽103751
₽104444
₽105375
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
-
-
-
184 500
income
-
-
-
58 031
health
-
-
-
5 158
pensions
-
-
-
7 114
total
-
-
-
70 303
Employee
14 855
-
176 497
-
health
743
-
1 779
-
unemployment
149
-
356
-
pensions
1 337
-
3 201
-
income
2 874
-
57 657
-
total
5 103
-
62 993
-
Employer
14 855
-
176 497
-
health
1 411
-
3 379
-
pensions
1 634
-
3 913
-
unemployment
297
-
711
-
total
3 342
-
8 003
-
Corporate
166 303
184 500
-
-
income
36 587
40 590
-
-
total
36 587
40 590
-
-
Dividends
129 716
143 910
-
-
withholding
25 943
28 782
-
-
total
25 943
28 782
-
-
Income
184 500
184 500
184 500
184 500
Total tax
70 975
69 372
70 996
70 303
After tax
113 525
115 128
113 504
114 197
Living cost
9 753
9 753
9 753
9 753
Free-cash
103 772
105 375
103 751
104 444

Estimated living cost  is ₽9753 per week

₽5796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽791
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.
₽2943
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
₽95840
₽64182
₽69003
₽98348
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
-
-
-
184 500
pensions
-
-
-
21 038
unemployment
-
-
-
179
income
-
-
-
59 048
other
-
-
-
-
health
-
-
-
7 468
surtax
-
-
-
10 061
total
-
-
-
97 794
Employee
26 542
-
162 358
-
health
678
-
2 682
-
unemployment
1 847
-
7 321
-
pensions
1 771
-
7 016
-
income
4 450
-
54 335
-
other
-
-
-
-
surtax
94
-
9 119
-
total
8 840
-
80 473
-
Employer
26 542
-
162 358
-
health
1 207
-
4 786
-
pensions
3 539
-
14 022
-
unemployment
842
-
3 334
-
other
-
-
-
-
total
5 588
-
22 142
-
Corporate
152 370
184 500
-
-
income
39 616
47 969
-
-
total
39 616
47 969
-
-
Dividends
112 754
136 531
-
-
withholding
16 913
20 480
-
-
total
16 913
20 480
-
-
Income
184 500
184 500
184 500
184 500
Total tax
70 957
68 449
102 615
97 794
After tax
113 543
116 051
81 885
86 706
Living cost
17 703
17 703
17 703
17 703
Free-cash
95 840
98 348
64 182
69 003

Estimated living cost  is ₽17703 per week

₽10688
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1539
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
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.
₽5066
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
₽76196
₽23143
₽69412
₽76587
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
-
-
-
184 500
pensions
-
-
-
17 034
chamber of commerce