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
₽ 185500
per

Your estimated
City
free-cash

Valencia , Spain
₽97996
₽78662
₽81960
₽101466
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
-
-
-
185 500
unemployment
-
-
-
510
income
-
-
-
60 068
other
-
-
-
73
accident
-
-
-
656
pensions
-
-
-
20 618
total
-
-
-
81 925
Employee
29 064
-
162 273
-
unemployment
450
-
1 129
-
pensions
1 366
-
3 425
-
income
5 603
-
57 370
-
other
28
-
73
-
total
7 447
-
61 997
-
Employer
29 064
-
162 273
-
pensions
6 859
-
17 194
-
accident
576
-
1 442
-
unemployment
1 599
-
4 007
-
other
233
-
583
-
total
9 267
-
23 226
-
Corporate
147 169
185 500
-
-
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.

22 075
27 825
-
-
total
22 075
27 825
-
-
Dividends
125 094
157 675
-
-
withholding
27 100
34 594
-
-
total
27 100
34 594
-
-
Income
185 500
185 500
185 500
185 500
Total tax
65 889
62 419
85 223
81 925
After tax
119 611
123 081
100 277
103 575
Living cost
21 615
21 615
21 615
21 615
Free-cash
97 996
101 466
78 662
81 960

Estimated living cost  is ₽21615 per week

₽14590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽4569
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
₽110032
₽90273
₽91788
₽115342
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
-
-
-
185 500
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.

-
-
-
28 687
income
-
-
-
33 143
other
-
-
-
5 677
health
-
-
-
5 260
total
-
-
-
72 767
Employee
28 540
-
155 094
-
health
400
-
1 674
-
unemployment
285
-
1 195
-
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.

1 997
-
8 367
-
income
4 914
-
32 639
-
total
7 596
-
43 875
-
Employer
28 540
-
155 094
-
health
400
-
1 674
-
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.

4 852
-
20 321
-
accident
228
-
1 241
-
unemployment
285
-
1 195
-
other
1 428
-
5 976
-
total
7 193
-
30 407
-
Corporate
149 767
185 500
-
-
income
31 452
38 955
-
-
total
31 452
38 955
-
-
Dividends
118 316
146 545
-
-
withholding
8 282
10 258
-
-
total
8 282
10 258
-
-
Income
185 500
185 500
185 500
185 500
Total tax
54 523
49 213
74 282
72 767
After tax
130 977
136 287
111 218
112 733
Living cost
20 945
20 945
20 945
20 945
Free-cash
110 032
115 342
90 273
91 788

Estimated living cost  is ₽20945 per week

₽14799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽337
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.
₽4394
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
₽144651
₽147828
₽140045
₽148300
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
-
-
-
185 500
pensions

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

-
-
-
4 062
unemployment
-
-
-
110
income
-
-
-
27 825
health
-
-
-
3 156
total
-
-
-
35 153
Employee
13 641
-
180 115
-
health
627
-
1 262
-
accident

We are using the highest rate at 1.1%.

150
-
302
-
pensions

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

1 198
-
2 410
-
income
1 364
-
18 011
-
total
3 339
-
21 985
-
Employer
13 641
-
180 115
-
health
942
-
1 894
-
pensions

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

1 503
-
3 024
-
accident

We are using the highest rate at 1.1%.

150
-
302
-
unemployment
82
-
165
-
total
2 677
-
5 385
-
Corporate
169 183
185 500
-
-
income
16 918
18 550
-
-
total
16 918
18 550
-
-
Dividends
152 265
166 950
-
-
withholding
7 613
8 348
-
-
total
7 613
8 348
-
-
Income
185 500
185 500
185 500
185 500
Total tax
30 547
26 898
27 370
35 153
After tax
154 953
158 602
158 130
150 347
Living cost
10 302
10 302
10 302
10 302
Free-cash
144 651
148 300
147 828
140 045

Estimated living cost  is ₽10302 per week

₽6014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽736
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽273
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.
₽3279
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
₽71241
₽67881
₽73864
₽66599
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
-
-
-
185 500
income
-
-
-
35 802
other
-
-
-
5 750
health
-
-
-
9 312
social contributions
-
-
-
5 285
pensions
-
-
-
28 594
surtax
-
-
-
-
total
-
-
-
84 743
Employee
33 641
-
141 114
-
pensions
3 804
-
10 828
-
income
1 985
-
31 493
-
social contributions
959
-
4 021
-
surtax
-
-
-
-
total
6 748
-
46 342
-
Employer
33 641
-
141 114
-
health
2 355
-
14 260
-
social contributions
101
-
424
-
pensions
5 527
-
18 048
-
unemployment
1 362
-
5 715
-
other
1 161
-
5 937
-
total
10 506
-
44 384
-
Corporate
141 353
185 500
-
-
income
39 580
51 939
-
-
surtax
-
-
-
-
total
39 580
51 939
-
-
Dividends
101 774
133 561
-
-
social contributions
17 505
22 973
-
-
surtax
-
-
-
-
withholding
13 027
17 096
-
-
total
30 532
40 069
-
-
Income
185 500
185 500
185 500
185 500
Total tax
87 366
92 008
90 726
84 743
After tax
98 134
93 492
94 774
100 757
Living cost
26 893
26 893
26 893
26 893
Free-cash
71 241
66 599
67 881
73 864

Estimated living cost  is ₽26893 per week

₽16957
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2187
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7293
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
₽54798
₽85693
₽66210
₽59615
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
-
-
-
185 500
pensions
-
-
-
9 209
income
-
-
-
67 460
health
-
-
-
9 693
total
-
-
-
86 362
Employee
67 124
67 124
170 892
-
health
10 303
8 763
9 693
-
pensions
12 082
9 209
9 209
-
income

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

10 987
10 987
33 369
-
total
33 372
28 959
52 271
-
Employer
67 124
67 124
170 892
-
health
4 666
4 666
5 798
-
pensions
4 672
4 672
5 807
-
unemployment
2 416
2 416
3 003
-
total
11 754
11 754
14 608
-
Corporate
107 445
106 621
-
-
income
21 489
21 325
-
-
total
21 489
21 325
-
-
Dividends
85 956
85 297
-
-
income
18 265
18 125
-
-
withholding
12 894
12 794
-
-
total
31 159
30 919
-
-
Income
185 500
185 500
185 500
185 500
Total tax
97 774
92 957
66 879
86 362
After tax
87 726
92 543
118 621
99 138
Living cost
32 928
32 928
32 928
32 928
Free-cash
54 798
59 615
85 693
66 210

Estimated living cost  is ₽32928 per week

₽23335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
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.
₽6101
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
₽78368
₽90324
₽66863
₽69675
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.

-
-
-
185 500
trade
-
-
-
23 461
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.

-
-
-
62 557
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.

-
-
-
5 370
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.

-
-
-
3 441
total
-
-
-
94 829
Employee

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

30 064
-
185 500
-
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.

5 370
-
5 370
-
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.

840
-
62 557
-
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
-
3 441
-
total
6 256
-
71 368
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
155 436
185 500
-
-
income
23 316
27 825
-
-
trade
24 481
29 216
-
-
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.

1 283
1 530
-
-
chamber of commerce
343
386
-
-
total
49 423
58 957
-
-
Dividends
106 013
126 542
-
-
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.

1 441
1 723
-
-
withholding
26 204
31 337
-
-
total
27 645
33 060
-
-
Income
185 500
185 500
185 500
185 500
Total tax
83 324
92 017
71 368
94 829
After tax
102 176
93 483
114 132
90 671
Living cost
23 808
23 808
23 808
23 808
Free-cash
78 368
69 675
90 324
66 863

Estimated living cost  is ₽23808 per week

₽14976
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2776
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽5612
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
₽112695
₽104731
₽106234
₽116971
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
-
-
-
185 500
income
-
-
-
43 619
health
-
-
-
4 730
social contributions
-
-
-
12 718
total
-
-
-
61 067
Employee
60 443
60 443
175 488
-
health
468
1 028
2 983
-
income
6 581
5 595
42 809
-
social contributions
2 285
5 016
6 766
-
total
9 334
11 639
52 558
-
Employer
60 443
60 443
175 488
-
health
509
1 119
3 246
-
social contributions
2 285
5 016
6 766
-
total
2 794
6 135
10 012
-
Corporate
155 172
118 922
-
-
income
19 396
14 866
-
-
total
19 396
14 866
-
-
Dividends
135 776
104 056
-
-
withholding
23 082
17 690
-
-
total
23 082
17 690
-
-
Income
185 500
185 500
185 500
185 500
Total tax
54 606
50 330
62 570
61 067
After tax
130 894
135 170
122 930
124 433
Living cost
18 199
18 199
18 199
18 199
Free-cash
112 695
116 971
104 731
106 234

Estimated living cost  is ₽18199 per week

₽10907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1786
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5104
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
₽80065
₽56860
₽71670
₽80858
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.

-
-
-
185 500
income
-
-
-
24 713
social contributions

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

-
-
-
64 462
surtax
-
-
-
-
total
-
-
-
89 175
Employee
36 152
-
149 899
-
income
7 520
-
51 543
-
social contributions
3 977
-
16 489
-
surtax
-
-
352
-
total
11 497
-
68 384
-
Employer
36 152
-
149 899
-
social contributions
8 586
-
35 601
-
total
8 586
-
35 601
-
Corporate
140 762
185 500
-
-
income
29 560
38 955
-
-
surtax
-
-
-
-
total
29 560
38 955
-
-
Dividends
111 202
146 545
-
-
withholding
31 137
41 032
-
-
total
31 137
41 032
-
-
Income
185 500
185 500
185 500
185 500
Total tax
80 780
79 987
103 985
89 175
After tax
104 720
105 513
81 515
96 325
Living cost
24 655
24 655
24 655
24 655
Free-cash
80 065
80 858
56 860
71 670

Estimated living cost  is ₽24655 per week

₽18447
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1454
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4342
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
₽168976
₽142296
₽177541
₽170121
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%.

-
-
-
185 500
microenterprise

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

-
-
-
1 855
total
-
-
-
1 855
Employee
7 629
-
185 500
-
income
1 526
-
37 100
-
total
1 526
-
37 100
-
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%.

177 871
185 500
-
-
total
-
-
-
-
Dividends
177 871
185 500
-
-
withholding
8 894
9 275
-
-
total
8 894
9 275
-
-
Income
185 500
185 500
185 500
185 500
Total tax
10 420
9 275
37 100
1 855
After tax
175 080
176 225
148 400
183 645
Living cost
6 104
6 104
6 104
6 104
Free-cash
168 976
170 121
142 296
177 541

Estimated living cost  is ₽6104 per week

₽3782
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1646
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
₽100059
₽60095
₽64124
₽106633
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.

-
-
-
185 500
pensions
-
-
-
33 877
unemployment
-
-
-
279
income
-
-
-
47 884
health
-
-
-
18 253
total
-
-
-
100 293
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.

34 759
-
160 507
-
health
2 245
-
10 370
-
unemployment
49
-
225
-
pensions
5 388
-
24 879
-
income
5 994
-
43 855
-
total
13 676
-
79 329
-
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.

34 759
-
160 507
-
health
2 315
-
10 691
-
pensions
3 076
-
14 205
-
unemployment
21
-
97
-
total
5 412
-
24 993
-
Corporate
145 330
185 500
-
-
income
27 612
35 245
-
-
total
27 612
35 245
-
-
Dividends
117 717
150 255
-
-
withholding
17 658
22 539
-
-
total
17 658
22 539
-
-
Income
185 500
185 500
185 500
185 500
Total tax
64 358
57 784
104 322
100 293
After tax
121 142
127 716
81 178
85 207
Living cost
21 083
21 083
21 083
21 083
Free-cash
100 059
106 633
60 095
64 124

Estimated living cost  is ₽21083 per week

₽14469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1351
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.
₽4855
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
₽90635
₽100490
₽124172
₽87888
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.

-
-
-
185 500
income
-
-
-
27 825
health

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

-
-
-
4 970
total
-
-
-
32 795
Employee
36 059
-
181 884
-
social contributions
3 613
-
3 616
-
income
3 913
-
49 245
-
total
7 526
-
52 861
-
Employer
36 059
-
181 884
-
social contributions
3 613
-
3 616
-
total
3 613
-
3 616
-
Corporate
145 828
185 500
-
-
income
51 040
64 926
-
-
total
51 040
64 926
-
-
Dividends
94 789
120 574
-
-
social contributions
4 153
4 153
-
-
total
4 153
4 153
-
-
Income
185 500
185 500
185 500
185 500
Total tax
66 332
69 079
56 477
32 795
After tax
119 168
116 421
129 023
152 705
Living cost
28 533
28 533
28 533
28 533
Free-cash
90 635
87 888
100 490
124 172

Estimated living cost  is ₽28533 per week

₽18795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2249
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽7051
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
₽96912
₽97253
₽102461
₽96505
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
-
-
-
185 500
income
-
-
-
27 825
health
-
-
-
12 948
social contributions
-
-
-
25 598
total
-
-
-
66 371
Employee
26 651
-
185 500
-
health
1 860
-
12 948
-
income
4 445
-
33 033
-
social contributions
3 678
-
25 598
-
total
9 983
-
71 579
-
Employer
26 651
-
185 500
-
total
-
-
-
-
Corporate
158 849
185 500
-
-
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%.

7 943
9 275
-
-
total
7 943
9 275
-
-
Dividends
150 906
176 225
-
-
social contributions
20 825
24 318
-
-
withholding
22 636
26 434
-
-
health
10 533
12 300
-
-
total
53 994
63 052
-
-
Income
185 500
185 500
185 500
185 500
Total tax
71 920
72 327
71 579
66 371
After tax
113 580
113 173
113 921
119 129
Living cost
16 668
16 668
16 668
16 668
Free-cash
96 912
96 505
97 253
102 461

Estimated living cost  is ₽16668 per week

₽11155
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1028
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4101
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
₽97863
₽80899
₽89271
₽105713
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
-
-
-
185 500
income
-
-
-
20 214
health
-
-
-
25 043
social contributions
-
-
-
25 694
solidarity contribution
-
-
-
3 274
total
-
-
-
74 225
Employee
32 358
-
150 001
-
health
4 368
-
20 250
-
solidarity contribution
-
-
2 523
-
income
3 883
-
18 605
-
social contributions
2 103
-
5 720
-
total
10 354
-
47 098
-
Employer
32 358
-
150 001
-
health
2 912
-
13 500
-
social contributions
8 090
-
21 999
-
total
11 002
-
35 499
-
Corporate
142 140
185 500
-
-
income
27 007
35 245
-
-
total
27 007
35 245
-
-
Dividends
115 133
150 255
-
-
withholding
17 270
22 538
-
-
total
17 270
22 538
-
-
Income
185 500
185 500
185 500
185 500
Total tax
65 633
57 783
82 597
74 225
After tax
119 867
127 717
102 903
111 275
Living cost
22 004
22 004
22 004
22 004
Free-cash
97 863
105 713
80 899
89 271

Estimated living cost  is ₽22004 per week

₽16363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1219
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽381
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.
₽4041
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
₽164930
₽138889
₽174134
₽166714
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%.

-
-
-
185 500
microenterprise

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

-
-
-
1 855
total
-
-
-
1 855
Employee
11 889
-
185 500
-
income
2 378
-
37 100
-
total
2 378
-
37 100
-
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%.

173 611
185 500
-
-
total
-
-
-
-
Dividends
173 611
185 500
-
-
withholding
8 681
9 275
-
-
total
8 681
9 275
-
-
Income
185 500
185 500
185 500
185 500
Total tax
11 059
9 275
37 100
1 855
After tax
174 441
176 225
148 400
183 645
Living cost
9 511
9 511
9 511
9 511
Free-cash
164 930
166 714
138 889
174 134

Estimated living cost  is ₽9511 per week

₽6436
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2356
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
₽60930
₽56809
₽62792
₽55527
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
-
-
-
185 500
income
-
-
-
35 802
other
-
-
-
5 750
health
-
-
-
9 312
social contributions
-
-
-
5 285
pensions
-
-
-
28 594
surtax
-
-
-
-
total
-
-
-
84 743
Employee
49 231
-
141 114
-
pensions
5 568
-
10 828
-
income
4 296
-
31 493
-
social contributions
1 402
-
4 021
-
surtax
-
-
-
-
total
11 266
-
46 342
-
Employer
49 231
-
141 114
-
health
3 446
-
14 260
-
social contributions
148
-
424
-
pensions
8 089
-
18 048
-
unemployment
1 994
-
5 715
-
other
1 699
-
5 937
-
total
15 376
-
44 384
-
Corporate
120 893
185 500
-
-
income
33 850
51 939
-
-
surtax
-
-
-
-
total
33 850
51 939
-
-
Dividends
87 043
133 561
-
-
social contributions
14 972
22 973
-
-
surtax
-
-
-
-
withholding
11 141
17 096
-
-
total
26 113
40 069
-
-
Income
185 500
185 500
185 500
185 500
Total tax
86 605
92 008
90 726
84 743
After tax
98 895
93 492
94 774
100 757
Living cost
37 965
37 965
37 965
37 965
Free-cash
60 930
55 527
56 809
62 792

Estimated living cost  is ₽37965 per week

₽25694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3106
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
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.
₽8644
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
₽116615
₽106954
₽106952
₽120471
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.

-
-
-
185 500
pensions
-
-
-
15 059
unemployment
-
-
-
869
income
-
-
-
43 101
health
-
-
-
5 966
total
-
-
-
64 995
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.

20 437
-
175 133
-
health
1 053
-
2 983
-
unemployment
153
-
434
-
pensions
2 861
-
8 108
-
income
2 817
-
43 101
-
total
6 884
-
54 626
-
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.

20 437
-
175 133
-
health
1 053
-
2 983
-
pensions
2 452
-
6 950
-
unemployment
153
-
434
-
total
3 658
-
10 367
-
Corporate
161 404
185 500
-
-
income
24 211
27 825
-
-
total
24 211
27 825
-
-
Dividends
137 194
157 675
-
-
withholding
20 579
23 651
-
-
total
20 579
23 651
-
-
Income
185 500
185 500
185 500
185 500
Total tax
55 332
51 476
64 993
64 995
After tax
130 168
134 024
120 507
120 505
Living cost
13 553
13 553
13 553
13 553
Free-cash
116 615
120 471
106 954
106 952

Estimated living cost  is ₽13553 per week

₽9125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1048
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2987
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
₽54244
₽86171
₽91413
₽31375
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
-
-
-
185 500
pensions
-
-
-
17 067
city
-
-
-
1 955
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.

-
-
-
3 711
health
-
-
-
417
regional
-
-
-
11 271
national
-
-
-
6 216
total
-
-
-
40 637
Employee
62 550
-
167 647
-
health
141
-
378
-
unemployment
-
-
-
-
city
671
-
1 823
-
pensions
5 255
-
12 280
-
regional
2 048
-
10 155
-
national
296
-
5 233
-
total
8 411
-
29 869
-
Employer
62 550
-
167 647
-
health
141
-
378
-
pensions
5 255
-
12 280
-
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.

1 251
-
3 352
-
total
6 647
-
16 010
-
Corporate
115 615
185 500
-
-
regional
24 452
39 233
-
-
national
9 828
15 768
-
-
total
34 280
55 001
-
-
Dividends
81 335
130 499
-
-
withholding
28 468
45 674
-
-
total
28 468
45 674
-
-
Income
185 500
185 500
185 500
185 500
Total tax
77 806
100 675
45 879
40 637
After tax
107 694
84 825
139 621
144 863
Living cost
53 450
53 450
53 450
53 450
Free-cash
54 244
31 375
86 171
91 413

Estimated living cost  is ₽53450 per week

₽34758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4797
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽656
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.
₽13239
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
₽85564
₽61384
₽82634
₽83138
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

-
-
-
185 500
municipal
-
-
-
32 934
health
-
-
-
2 528
national
-
-
-
37 226
total
-
-
-
72 688
Employee
41 355
-
156 052
-
health
309
-
2 075
-
unemployment
621
-
2 340
-
pensions
2 791
-
10 534
-
national
683
-
24 143
-
municipal
6 774
-
25 398
-
total
11 178
-
64 490
-
Employer
41 355
-
156 052
-
health
318
-
1 202
-
pensions
7 175
-
27 075
-
accident
42
-
157
-
unemployment
268
-
1 014
-
total
7 803
-
29 448
-
Corporate
136 342
185 500
-
-
income
27 269
37 100
-
-
total
27 269
37 100
-
-
Dividends

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

81 805
111 300
-
-
municipal
14 726
20 034
-
-
national
8 782
15 050
-
-
total
23 508
35 084
-
-
Income
185 500
185 500
185 500
185 500
Total tax
69 758
72 184
93 938
72 688
After tax
115 742
113 316
91 562
112 812
Living cost
30 178
30 178
30 178
30 178
Free-cash
85 564
83 138
61 384
82 634

Estimated living cost  is ₽30178 per week

₽19712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2903
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽7084
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
₽63198
₽34022
₽52066
₽72653
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
-
-
-
185 500
communal

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

-
-
-
9 954
social contributions
-
-
-
19 597
national
-
-
-
75 223
total
-
-
-
104 774
Employee

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

56 226
-
143 677
-
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.

2 642
-
6 753
-
communal

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

2 933
-
7 494
-
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.

489
-
1 250
-
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.

4 217
-
10 776
-
national
17 286
-
54 721
-
total
27 567
-
80 994
-
Employer

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

56 226
-
143 677
-
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.

3 458
-
8 837
-
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.

4 982
-
12 730
-
surtax
6 375
-
16 292
-
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.

731
-
1 868
-
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.

820
-
2 097
-
total
16 366
-
41 824
-
Corporate
112 908
185 500
-
-
income
22 582
40 370
-
-
surtax
452
807
-
-
total
23 034
41 177
-
-
Dividends
89 874
144 323
-
-
withholding

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

26 675
43 010
-
-
total
26 675
43 010
-
-
Income
185 500
185 500
185 500
185 500
Total tax
93 642
84 187
122 818
104 774
After tax
91 858
101 313
62 682
80 726
Living cost
28 660
28 660
28 660
28 660
Free-cash
63 198
72 653
34 022
52 066

Estimated living cost  is ₽28660 per week

₽18461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽7245
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
₽66426
₽58176
₽59003
₽67191
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
-
-
-
185 500
unemployment
-
-
-
75
municipal
-
-
-
48 861
other
-
-
-
8 682
health
-
-
-
4 662
national
-
-
-
21 899
accident
-
-
-
149
pensions
-
-
-
8 077
total
-
-
-
92 405
Employee
48 578
-
162 024
-
national
-
-
21 441
-
municipal
14 486
-
48 315
-
total
14 486
-
69 756
-
Employer
48 578
-
162 024
-
health
2 988
-
4 595
-
pensions
5 251
-
8 077
-
accident
97
-
149
-
unemployment
1 282
-
1 973
-
other
5 645
-
8 682
-
total
15 263
-
23 476
-
Corporate
121 658
185 500
-
-
income
26 765
40 810
-
-
total
26 765
40 810
-
-
Dividends
94 894
144 690
-
-
withholding
28 468
43 407
-
-
total
28 468
43 407
-
-
Income
185 500
185 500
185 500
185 500
Total tax
84 982
84 217
93 232
92 405
After tax
100 518
101 283
92 268
93 095
Living cost
34 092
34 092
34 092
34 092
Free-cash
66 426
67 191
58 176
59 003

Estimated living cost  is ₽34092 per week

₽22595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3345
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.
₽7634
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
₽32970
₽135915
₽90196
₽74859
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
-
-
-
185 500
income
-
-
-
36 158
social contributions
-
-
-
21 147
total
-
-
-
57 305
Employee
54 485
-
-
-
income
12 018
-
-
-
social contributions
4 468
-
637
-
total
16 486
-
637
-
Employer
54 485
-
-
-
social contributions
76 824
-
10 949
-
total
76 824
-
10 949
-
Corporate
54 192
185 500
-
-
income
11 922
40 810
-
-
total
11 922
40 810
-
-
Dividends
42 270
144 690
-
-
income
9 299
31 832
-
-
total
9 299
31 832
-
-
Income
185 500
185 500
185 500
185 500
Total tax
114 531
72 642
11 586
57 305
After tax
70 969
112 858
173 914
128 195
Living cost
37 999
37 999
37 999
37 999
Free-cash
32 970
74 859
135 915
90 196

Estimated living cost  is ₽37999 per week

₽24655
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3574
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9286
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
₽106416
₽97435
₽98938
₽109675
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
-
-
-
185 500
income
-
-
-
43 619
health
-
-
-
4 730
social contributions
-
-
-
12 718
total
-
-
-
61 067
Employee
60 443
60 443
175 488
-
health
601
1 028
2 983
-
income
6 347
5 595
42 809
-
social contributions
2 937
5 016
6 766
-
total
9 885
11 639
52 558
-
Employer
60 443
60 443
175 488
-
health
655
1 119
3 246
-
social contributions
2 937
5 016
6 766
-
total
3 592
6 135
10 012
-
Corporate
146 528
118 922
-
-
income
18 316
14 866
-
-
total
18 316
14 866
-
-
Dividends
128 212
104 056
-
-
withholding
21 796
17 690
-
-
total
21 796
17 690
-
-
Income
185 500
185 500
185 500
185 500
Total tax
53 589
50 330
62 570
61 067
After tax
131 911
135 170
122 930
124 433
Living cost
25 495
25 495
25 495
25 495
Free-cash
106 416
109 675
97 435
98 938

Estimated living cost  is ₽25495 per week

₽17428
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1991
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5647
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
₽92132
₽74403
₽90906
₽87633
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
-
-
-
185 500
income
-
-
-
58 503
pensions
-
-
-
7 870
total
-
-
-
66 373
Employee
38 737
-
161 566
-
health
505
-
2 142
-
pensions
2 957
-
9 300
-
income
7 054
-
47 500
-
total
10 516
-
58 942
-
Employer
38 737
-
161 566
-
health
736
-
3 070
-
pensions
3 914
-
20 864
-
total
4 650
-
23 934
-
Corporate
142 113
185 500
-
-
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.

27 001
35 245
-
-
total
27 001
35 245
-
-
Dividends
115 111
150 255
-
-
withholding
22 980
34 401
-
-
total
22 980
34 401
-
-
Income
185 500
185 500
185 500
185 500
Total tax
65 147
69 646
82 876
66 373
After tax
120 353
115 854
102 624
119 127
Living cost
28 221
28 221
28 221
28 221
Free-cash
92 132
87 633
74 403
90 906

Estimated living cost  is ₽28221 per week

₽19359
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽353
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.
₽5912
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
₽62819
₽49808
₽56265
₽66395
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
-
-
-
185 500
municipal
-
-
-
1 316
regional
-
-
-
4 604
social contributions
-
-
-
39 341
national
-
-
-
52 660
total
-
-
-
97 921
Employee
66 236
-
185 500
-
social contributions
22 335
-
51 577
-
regional
1 000
-
4 197
-
national
11 193
-
47 399
-
municipal
395
-
1 205
-
total
34 923
-
104 378
-
Employer
66 236
-
185 500
-
total
-
-
-
-
Corporate
119 264
185 500
-
-
nationa
28 623
44 520
-
-
municipal
5 749
8 941
-
-
total
34 372
53 461
-
-
Dividends
84 891
132 039
-
-
withholding
22 072
34 330
-
-
total
22 072
34 330
-
-
Income
185 500
185 500
185 500
185 500
Total tax
91 367
87 791
104 378
97 921
After tax
94 133
97 709
81 122
87 579
Living cost
31 314
31 314
31 314
31 314
Free-cash
62 819
66 395
49 808
56 265

Estimated living cost  is ₽31314 per week

₽21996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽6690
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
₽12450
₽85768
₽109837
-₽1762
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
-
-
-
185 500
pensions
-
-
-
3 175
income
-
-
-
53 561
other
-
-
-
283
health
-
-
-
1 664
accident
-
-
-
193
total
-
-
-
58 876
Employee
26 407
-
170 086
-
health
3 024
-
19 475
-
pensions
2 974
-
5 822
-
income
3 623
-
42 234
-
total
9 621
-
67 531
-
Employer
26 407
-
170 086
-
pensions
4 294
-
8 407
-
accident
441
-
2 840
-
unemployment
647
-
4 167
-
total
5 382
-
15 414
-
Corporate
153 711
185 500
-
-
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.

138 340
166 950
-
-
total
138 340
166 950
-
-
Dividends
15 371
18 550
-
-
withholding
2 920
3 525
-
-
total
2 920
3 525
-
-
Income
185 500
185 500
185 500
185 500
Total tax
156 263
170 475
82 945
58 876
After tax
29 237
15 025
102 555
126 624
Living cost
16 787
16 787
16 787
16 787
Free-cash
12 450
-1 762
85 768
109 837

Estimated living cost  is ₽16787 per week

₽12304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽930
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽3204
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
₽75325
₽83785
₽62410
₽65043
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.

-
-
-
185 500
trade
-
-
-
21 375
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.

-
-
-
62 557
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.

-
-
-
5 370
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.

-
-
-
3 441
total
-
-
-
92 743
Employee

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

39 110
-
185 500
-
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.

5 370
-
5 370
-
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.

3 216
-
62 557
-
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
-
3 441
-
total
8 764
-
71 368
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
146 390
185 500
-
-
income
21 959
27 825
-
-
trade
21 007
26 619
-
-
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.

1 208
1 530
-
-
chamber of commerce
334
391
-
-
total
44 508
56 365
-
-
Dividends
101 882
129 135
-
-
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.

1 384
1 759
-
-
withholding
25 172
31 986
-
-
total
26 556
33 745
-
-
Income
185 500
185 500
185 500
185 500
Total tax
79 828
90 110
71 368
92 743
After tax
105 672
95 390
114 132
92 757
Living cost
30 347
30 347
30 347
30 347
Free-cash
75 325
65 043
83 785
62 410

Estimated living cost  is ₽30347 per week

₽20934
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽440
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.
₽5707
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
₽125599
₽64753
₽51702
₽132047
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.

-
-
-
185 500
income
-
-
-
40 027
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.

-
-
-
30 116
surtax
-
-
-
47 302
total
-
-
-
117 445
Employee
22 968
-
146 786
-
income
4 089
-
34 092
-
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.

2 527
-
10 304
-
surtax
-
-
21 284
-
total
6 616
-
65 680
-
Employer
22 968
-
146 786
-
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.

5 533
-
22 567
-
surtax
-
-
16 147
-
total
5 533
-
38 714
-
Corporate
156 999
185 500
-
-
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%.

31 399
37 100
-
-
total
31 399
37 100
-
-
Dividends

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

125 600
148 400
-
-
total
-
-
-
-
Income
185 500
185 500
185 500
185 500
Total tax
43 548
37 100
104 394
117 445
After tax
141 952
148 400
81 106
68 055
Living cost
16 353
16 353
16 353
16 353
Free-cash
125 599
132 047
64 753
51 702

Estimated living cost  is ₽16353 per week

₽10433
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽371
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.
₽3992
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
₽104373
₽104367
₽105064
₽105979
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
-
-
-
185 500
income
-
-
-
58 367
health
-
-
-
5 168
pensions
-
-
-
7 128
total
-
-
-
70 663
Employee
14 885
-
177 481
-
health
744
-
1 782
-
unemployment
149
-
357
-
pensions
1 340
-
3 208
-
income
2 879
-
57 993
-
total
5 112
-
63 340
-
Employer
14 885
-
177 481
-
health
1 414
-
3 386
-
pensions
1 637
-
3 921
-
unemployment
298
-
713
-
total
3 349
-
8 020
-
Corporate
167 266
185 500
-
-
income
36 799
40 810
-
-
total
36 799
40 810
-
-
Dividends
130 468
144 690
-
-
withholding
26 094
28 938
-
-
total
26 094
28 938
-
-
Income
185 500
185 500
185 500
185 500
Total tax
71 354
69 748
71 360
70 663
After tax
114 146
115 752
114 140
114 837
Living cost
9 773
9 773
9 773
9 773
Free-cash
104 373
105 979
104 367
105 064

Estimated living cost  is ₽9773 per week

₽5807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2949
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
₽96524
₽64698
₽69504
₽99024
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
-
-
-
185 500
pensions
-
-
-
20 982
unemployment
-
-
-
179
income
-
-
-
59 563
other
-
-
-
-
health
-
-
-
7 448
surtax
-
-
-
10 169
total
-
-
-
98 341
Employee
26 471
-
163 418
-
health
676
-
2 675
-
unemployment
1 842
-
7 302
-
pensions
1 766
-
6 997
-
income
4 438
-
54 862
-
other
-
-
-
-
surtax
94
-
9 229
-
total
8 816
-
81 065
-
Employer
26 471
-
163 418
-
health
1 204
-
4 773
-
pensions
3 529
-
13 984
-
unemployment
840
-
3 325
-
other
-
-
-
-
total
5 573
-
22 082
-
Corporate
153 456
185 500
-
-
income
39 899
48 230
-
-
total
39 899
48 230
-
-
Dividends
113 557
137 270
-
-
withholding
17 033
20 591
-
-
total
17 033
20 591
-
-
Income
185 500
185 500
185 500
185 500
Total tax
71 321
68 821
103 147
98 341
After tax
114 179
116 679
82 353
87 159
Living cost
17 655
17 655
17 655
17 655
Free-cash
96 524
99 024
64 698
69 504

Estimated living cost  is ₽17655 per week

₽10659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1535
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.
₽5052
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
₽76806
₽23431
₽69969
₽77195
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
-
-
-
185 500
pensions
-
-
-
16 988
chamber of commerce