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
₽ 186000
per

Your estimated
City
free-cash

Valencia , Spain
₽98391
₽79006
₽82296
₽101852
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
-
-
-
186 000
unemployment
-
-
-
509
income
-
-
-
60 361
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
82 153
Employee
28 978
-
162 842
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
57 671
-
other
28
-
73
-
total
7 426
-
62 285
-
Employer
28 978
-
162 842
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
147 783
186 000
-
-
income

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

22 167
27 900
-
-
total
22 167
27 900
-
-
Dividends
125 616
158 100
-
-
withholding
27 227
34 697
-
-
total
27 227
34 697
-
-
Income
186 000
186 000
186 000
186 000
Total tax
66 058
62 597
85 443
82 153
After tax
119 942
123 403
100 557
103 847
Living cost
21 551
21 551
21 551
21 551
Free-cash
98 391
101 852
79 006
82 296

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4555
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽110479
₽90789
₽92304
₽115770
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
-
-
-
186 000
pensions

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

-
-
-
28 602
income
-
-
-
33 307
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
72 813
Employee
28 456
-
155 677
-
health
399
-
1 669
-
unemployment
284
-
1 191
-
pensions

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

1 991
-
8 342
-
income
4 899
-
32 802
-
total
7 573
-
44 004
-
Employer
28 456
-
155 677
-
health
399
-
1 669
-
pensions

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

4 838
-
20 261
-
accident
228
-
1 245
-
unemployment
284
-
1 191
-
other
1 423
-
5 958
-
total
7 172
-
30 324
-
Corporate
150 373
186 000
-
-
income
31 578
39 061
-
-
total
31 578
39 061
-
-
Dividends
118 795
146 939
-
-
withholding
8 315
10 286
-
-
total
8 315
10 286
-
-
Income
186 000
186 000
186 000
186 000
Total tax
54 638
49 347
74 328
72 813
After tax
131 362
136 653
111 672
113 187
Living cost
20 883
20 883
20 883
20 883
Free-cash
110 479
115 770
90 789
92 304

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4381
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽145120
₽148335
₽140524
₽148760
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
-
-
-
186 000
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
27 900
health
-
-
-
3 147
total
-
-
-
35 206
Employee
13 600
-
180 632
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
18 064
-
total
3 330
-
22 027
-
Employer
13 600
-
180 632
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
169 732
186 000
-
-
income
16 973
18 600
-
-
total
16 973
18 600
-
-
Dividends
152 759
167 400
-
-
withholding
7 638
8 370
-
-
total
7 638
8 370
-
-
Income
186 000
186 000
186 000
186 000
Total tax
30 610
26 970
27 395
35 206
After tax
155 390
159 030
158 605
150 794
Living cost
10 270
10 270
10 270
10 270
Free-cash
145 120
148 760
148 335
140 524

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽71561
₽68065
₽74130
₽66931
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
-
-
-
186 000
income
-
-
-
36 035
other
-
-
-
5 766
health
-
-
-
9 362
social contributions
-
-
-
5 299
pensions
-
-
-
28 595
surtax
-
-
-
-
total
-
-
-
85 057
Employee
33 541
-
141 452
-
pensions
3 792
-
10 873
-
income
1 980
-
31 670
-
social contributions
956
-
4 030
-
surtax
-
-
-
-
total
6 728
-
46 573
-
Employer
33 541
-
141 452
-
health
2 348
-
14 317
-
social contributions
101
-
424
-
pensions
5 510
-
18 119
-
unemployment
1 358
-
5 729
-
other
1 157
-
5 960
-
total
10 474
-
44 549
-
Corporate
141 984
186 000
-
-
income
39 755
52 080
-
-
surtax
-
-
-
-
total
39 755
52 080
-
-
Dividends
102 229
133 920
-
-
social contributions
17 584
23 034
-
-
surtax
-
-
-
-
withholding
13 085
17 142
-
-
total
30 669
40 176
-
-
Income
186 000
186 000
186 000
186 000
Total tax
87 626
92 256
91 122
85 057
After tax
98 374
93 744
94 878
100 943
Living cost
26 813
26 813
26 813
26 813
Free-cash
71 561
66 931
68 065
74 130

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7271
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽55170
₽86107
₽66519
₽59973
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
-
-
-
186 000
pensions
-
-
-
9 182
income
-
-
-
67 804
health
-
-
-
9 664
total
-
-
-
86 650
Employee
66 925
66 925
171 436
-
health
10 272
8 737
9 664
-
pensions
12 047
9 182
9 182
-
income

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

10 955
10 955
33 651
-
total
33 274
28 874
52 497
-
Employer
66 925
66 925
171 436
-
health
4 652
4 652
5 781
-
pensions
4 658
4 658
5 790
-
unemployment
2 409
2 409
2 994
-
total
11 719
11 719
14 565
-
Corporate
108 176
107 355
-
-
income
21 635
21 471
-
-
total
21 635
21 471
-
-
Dividends
86 542
85 884
-
-
income
18 390
18 250
-
-
withholding
12 981
12 882
-
-
total
31 371
31 132
-
-
Income
186 000
186 000
186 000
186 000
Total tax
97 999
93 196
67 062
86 650
After tax
88 001
92 804
118 938
99 350
Living cost
32 831
32 831
32 831
32 831
Free-cash
55 170
59 973
86 107
66 519

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6083
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽78666
₽90641
₽67085
₽69995
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.

-
-
-
186 000
trade
-
-
-
23 556
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.

-
-
-
62 812
health

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

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

-
-
-
5 354
surtax

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

-
-
-
3 455
total
-
-
-
95 177
Employee

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

29 975
-
186 000
-
health

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

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

5 354
-
5 354
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

837
-
62 812
-
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
-
3 455
-
total
6 237
-
71 621
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
156 025
186 000
-
-
income
23 403
27 900
-
-
trade
24 573
29 295
-
-
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.

1 286
1 535
-
-
chamber of commerce
344
387
-
-
total
49 606
59 117
-
-
Dividends
106 418
126 883
-
-
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.

1 447
1 728
-
-
withholding
26 306
31 422
-
-
total
27 753
33 150
-
-
Income
186 000
186 000
186 000
186 000
Total tax
83 596
92 267
71 621
95 177
After tax
102 404
93 733
114 379
90 823
Living cost
23 738
23 738
23 738
23 738
Free-cash
78 666
69 995
90 641
67 085

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5595
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽113122
₽105079
₽106586
₽117386
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
-
-
-
186 000
income
-
-
-
43 846
health
-
-
-
4 743
social contributions
-
-
-
12 680
total
-
-
-
61 269
Employee
60 263
60 263
175 998
-
health
467
1 025
2 992
-
income
6 562
5 579
43 036
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
52 774
-
Employer
60 263
60 263
175 998
-
health
507
1 115
3 256
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
10 002
-
Corporate
155 762
119 620
-
-
income
19 471
14 953
-
-
total
19 471
14 953
-
-
Dividends
136 292
104 667
-
-
withholding
23 170
17 793
-
-
total
23 170
17 793
-
-
Income
186 000
186 000
186 000
186 000
Total tax
54 733
50 469
62 776
61 269
After tax
131 267
135 531
123 224
124 731
Living cost
18 145
18 145
18 145
18 145
Free-cash
113 122
117 386
105 079
106 586

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5089
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽80427
₽57065
₽71953
₽81214
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.

-
-
-
186 000
income
-
-
-
24 830
social contributions

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

-
-
-
64 635
surtax
-
-
-
-
total
-
-
-
89 465
Employee
36 044
-
150 304
-
income
7 497
-
51 753
-
social contributions
3 965
-
16 534
-
surtax
-
-
370
-
total
11 462
-
68 657
-
Employer
36 044
-
150 304
-
social contributions
8 560
-
35 696
-
total
8 560
-
35 696
-
Corporate
141 395
186 000
-
-
income
29 693
39 061
-
-
surtax
-
-
-
-
total
29 693
39 061
-
-
Dividends
111 703
146 939
-
-
withholding
31 276
41 143
-
-
total
31 276
41 143
-
-
Income
186 000
186 000
186 000
186 000
Total tax
80 991
80 204
104 353
89 465
After tax
105 009
105 796
81 647
96 535
Living cost
24 582
24 582
24 582
24 582
Free-cash
80 427
81 214
57 065
71 953

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽169488
₽142726
₽178066
₽170626
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%.

-
-
-
186 000
microenterprise

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

-
-
-
1 860
total
-
-
-
1 860
Employee
7 592
-
186 000
-
income
1 518
-
37 200
-
total
1 518
-
37 200
-
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%.

178 408
186 000
-
-
total
-
-
-
-
Dividends
178 408
186 000
-
-
withholding
8 920
9 300
-
-
total
8 920
9 300
-
-
Income
186 000
186 000
186 000
186 000
Total tax
10 438
9 300
37 200
1 860
After tax
175 562
176 700
148 800
184 140
Living cost
6 074
6 074
6 074
6 074
Free-cash
169 488
170 626
142 726
178 066

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1638
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽100485
₽60272
₽64310
₽107041
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.

-
-
-
186 000
pensions
-
-
-
33 968
unemployment
-
-
-
280
income
-
-
-
48 118
health
-
-
-
18 303
total
-
-
-
100 669
Employee

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

34 656
-
160 942
-
health
2 238
-
10 397
-
unemployment
49
-
226
-
pensions
5 372
-
24 945
-
income
5 976
-
44 081
-
total
13 635
-
79 649
-
Employer

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

34 656
-
160 942
-
health
2 308
-
10 718
-
pensions
3 067
-
14 243
-
unemployment
21
-
97
-
total
5 396
-
25 058
-
Corporate
145 949
186 000
-
-
income
27 731
35 340
-
-
total
27 731
35 340
-
-
Dividends
118 218
150 660
-
-
withholding
17 732
22 598
-
-
total
17 732
22 598
-
-
Income
186 000
186 000
186 000
186 000
Total tax
64 494
57 938
104 707
100 669
After tax
121 506
128 062
81 293
85 331
Living cost
21 021
21 021
21 021
21 021
Free-cash
100 485
107 041
60 272
64 310

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4841
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽91050
₽100874
₽124696
₽88311
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.

-
-
-
186 000
income
-
-
-
27 900
health

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

-
-
-
4 955
total
-
-
-
32 855
Employee
35 952
-
182 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
49 467
-
total
7 503
-
53 072
-
Employer
35 952
-
182 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
146 446
186 000
-
-
income
51 256
65 100
-
-
total
51 256
65 100
-
-
Dividends
95 190
120 900
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
186 000
186 000
186 000
186 000
Total tax
66 501
69 240
56 677
32 855
After tax
119 499
116 760
129 323
153 145
Living cost
28 449
28 449
28 449
28 449
Free-cash
91 050
88 311
100 874
124 696

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽97263
₽97586
₽102830
₽96858
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
-
-
-
186 000
income
-
-
-
27 900
health
-
-
-
12 984
social contributions
-
-
-
25 668
total
-
-
-
66 552
Employee
26 572
-
186 000
-
health
1 855
-
12 984
-
income
4 432
-
33 144
-
social contributions
3 668
-
25 668
-
total
9 955
-
71 796
-
Employer
26 572
-
186 000
-
total
-
-
-
-
Corporate
159 428
186 000
-
-
income

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

7 972
9 300
-
-
total
7 972
9 300
-
-
Dividends
151 456
176 700
-
-
social contributions
20 902
24 385
-
-
withholding
22 719
26 505
-
-
health
10 571
12 334
-
-
total
54 192
63 224
-
-
Income
186 000
186 000
186 000
186 000
Total tax
72 119
72 524
71 796
66 552
After tax
113 881
113 476
114 204
119 448
Living cost
16 618
16 618
16 618
16 618
Free-cash
97 263
96 858
97 586
102 830

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4088
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽98299
₽81313
₽89717
₽106124
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
-
-
-
186 000
income
-
-
-
20 291
health
-
-
-
25 110
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
3 328
total
-
-
-
74 346
Employee
32 261
-
150 521
-
health
4 355
-
20 320
-
solidarity contribution
-
-
2 574
-
income
3 871
-
18 675
-
social contributions
2 097
-
5 702
-
total
10 323
-
47 271
-
Employer
32 261
-
150 521
-
health
2 903
-
13 547
-
social contributions
8 065
-
21 932
-
total
10 968
-
35 479
-
Corporate
142 771
186 000
-
-
income
27 126
35 340
-
-
total
27 126
35 340
-
-
Dividends
115 644
150 660
-
-
withholding
17 347
22 599
-
-
total
17 347
22 599
-
-
Income
186 000
186 000
186 000
186 000
Total tax
65 764
57 939
82 750
74 346
After tax
120 236
128 061
103 250
111 654
Living cost
21 937
21 937
21 937
21 937
Free-cash
98 299
106 124
81 313
89 717

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽165461
₽139335
₽174675
₽167235
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%.

-
-
-
186 000
microenterprise

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

-
-
-
1 860
total
-
-
-
1 860
Employee
11 832
-
186 000
-
income
2 366
-
37 200
-
total
2 366
-
37 200
-
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%.

174 168
186 000
-
-
total
-
-
-
-
Dividends
174 168
186 000
-
-
withholding
8 708
9 300
-
-
total
8 708
9 300
-
-
Income
186 000
186 000
186 000
186 000
Total tax
11 074
9 300
37 200
1 860
After tax
174 926
176 700
148 800
184 140
Living cost
9 465
9 465
9 465
9 465
Free-cash
165 461
167 235
139 335
174 675

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2345
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽61280
₽57026
₽63091
₽55892
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
-
-
-
186 000
income
-
-
-
36 035
other
-
-
-
5 766
health
-
-
-
9 362
social contributions
-
-
-
5 299
pensions
-
-
-
28 595
surtax
-
-
-
-
total
-
-
-
85 057
Employee
49 085
-
141 452
-
pensions
5 552
-
10 873
-
income
4 283
-
31 670
-
social contributions
1 398
-
4 030
-
surtax
-
-
-
-
total
11 233
-
46 573
-
Employer
49 085
-
141 452
-
health
3 435
-
14 317
-
social contributions
147
-
424
-
pensions
8 065
-
18 119
-
unemployment
1 988
-
5 729
-
other
1 694
-
5 960
-
total
15 329
-
44 549
-
Corporate
121 585
186 000
-
-
income
34 044
52 080
-
-
surtax
-
-
-
-
total
34 044
52 080
-
-
Dividends
87 541
133 920
-
-
social contributions
15 057
23 034
-
-
surtax
-
-
-
-
withholding
11 205
17 142
-
-
total
26 262
40 176
-
-
Income
186 000
186 000
186 000
186 000
Total tax
86 868
92 256
91 122
85 057
After tax
99 132
93 744
94 878
100 943
Living cost
37 852
37 852
37 852
37 852
Free-cash
61 280
55 892
57 026
63 091

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8618
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽117028
₽107425
₽107425
₽120873
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.

-
-
-
186 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
43 236
health
-
-
-
5 948
total
-
-
-
65 063
Employee

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

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

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

20 376
-
175 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
43 236
-
total
6 864
-
54 727
-
Employer

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

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

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

20 376
-
175 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
161 977
186 000
-
-
income
24 297
27 900
-
-
total
24 297
27 900
-
-
Dividends
137 681
158 100
-
-
withholding
20 652
23 715
-
-
total
20 652
23 715
-
-
Income
186 000
186 000
186 000
186 000
Total tax
55 460
51 615
65 063
65 063
After tax
130 540
134 385
120 937
120 937
Living cost
13 512
13 512
13 512
13 512
Free-cash
117 028
120 873
107 425
107 425

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽54565
₽86669
₽91891
₽31763
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
-
-
-
186 000
pensions
-
-
-
17 112
city
-
-
-
1 960
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.

-
-
-
3 720
health
-
-
-
419
regional
-
-
-
11 330
national
-
-
-
6 279
total
-
-
-
40 820
Employee
62 361
-
168 120
-
health
141
-
378
-
unemployment
-
-
-
-
city
669
-
1 829
-
pensions
5 239
-
12 290
-
regional
2 042
-
10 216
-
national
295
-
5 298
-
total
8 386
-
30 011
-
Employer
62 361
-
168 120
-
health
141
-
378
-
pensions
5 239
-
12 290
-
unemployment
-
-
-
-
other

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

1 247
-
3 363
-
total
6 627
-
16 031
-
Corporate
116 326
186 000
-
-
regional
24 603
39 339
-
-
national
9 887
15 811
-
-
total
34 490
55 150
-
-
Dividends
81 836
130 850
-
-
withholding
28 643
45 798
-
-
total
28 643
45 798
-
-
Income
186 000
186 000
186 000
186 000
Total tax
78 146
100 948
46 042
40 820
After tax
107 854
85 052
139 958
145 180
Living cost
53 289
53 289
53 289
53 289
Free-cash
54 565
31 763
86 669
91 891

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13199
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

Helsinki , Finland
₽85902
₽61607
₽82912
₽83483
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

-
-
-
186 000
municipal
-
-
-
33 024
health
-
-
-
2 537
national
-
-
-
37 438
total
-
-
-
72 999
Employee
41 232
-
156 474
-
health
308
-
2 082
-
unemployment
619
-
2 347
-
pensions
2 783
-
10 562
-
national
681
-
24 320
-
municipal
6 754
-
25 467
-
total
11 145
-
64 778
-
Employer
41 232
-
156 474
-
health
317
-
1 205
-
pensions
7 154
-
27 148
-
accident
42
-
156
-
unemployment
268
-
1 017
-
total
7 781
-
29 526
-
Corporate
136 988
186 000
-
-
income
27 398
37 200
-
-
total
27 398
37 200
-
-
Dividends

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

82 193
111 600
-
-
municipal
14 795
20 088
-
-
national
8 890
15 140
-
-
total
23 685
35 228
-
-
Income
186 000
186 000
186 000
186 000
Total tax
70 009
72 428
94 304
72 999
After tax
115 991
113 572
91 696
113 001
Living cost
30 089
30 089
30 089
30 089
Free-cash
85 902
83 483
61 607
82 912

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7063
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₽63596
₽34236
₽52374
₽72955
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
-
-
-
186 000
communal

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

-
-
-
9 988
social contributions
-
-
-
19 539
national
-
-
-
75 524
total
-
-
-
105 051
Employee

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

56 059
-
144 065
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 634
-
6 771
-
communal

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

2 924
-
7 513
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

488
-
1 254
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 204
-
10 805
-
national
17 235
-
54 911
-
total
27 485
-
81 254
-
Employer

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

56 059
-
144 065
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 447
-
8 859
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 967
-
12 763
-
surtax
6 356
-
16 336
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

729
-
1 874
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

818
-
2 103
-
total
16 317
-
41 935
-
Corporate
113 623
186 000
-
-
income
22 725
40 555
-
-
surtax
455
811
-
-
total
23 180
41 366
-
-
Dividends
90 443
144 634
-
-
withholding

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

26 847
43 104
-
-
total
26 847
43 104
-
-
Income
186 000
186 000
186 000
186 000
Total tax
93 829
84 470
123 189
105 051
After tax
92 171
101 530
62 811
80 949
Living cost
28 575
28 575
28 575
28 575
Free-cash
63 596
72 955
34 236
52 374

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽66780
₽58460
₽59285
₽67544
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
-
-
-
186 000
unemployment
-
-
-
75
municipal
-
-
-
49 026
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
22 081
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
92 702
Employee
48 465
-
162 578
-
national
-
-
21 625
-
municipal
14 452
-
48 481
-
total
14 452
-
70 106
-
Employer
48 465
-
162 578
-
health
2 981
-
4 584
-
pensions
5 239
-
8 058
-
accident
97
-
149
-
unemployment
1 279
-
1 968
-
other
5 632
-
8 662
-
total
15 228
-
23 421
-
Corporate
122 308
186 000
-
-
income
26 908
40 920
-
-
total
26 908
40 920
-
-
Dividends
95 400
145 080
-
-
withholding
28 620
43 524
-
-
total
28 620
43 524
-
-
Income
186 000
186 000
186 000
186 000
Total tax
85 208
84 444
93 527
92 702
After tax
100 792
101 556
92 473
93 298
Living cost
34 012
34 012
34 012
34 012
Free-cash
66 780
67 544
58 460
59 285

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7616
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽33530
₽136574
₽90664
₽75285
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
-
-
-
186 000
income
-
-
-
36 255
social contributions
-
-
-
21 204
total
-
-
-
57 459
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
55 112
186 000
-
-
income
12 125
40 920
-
-
total
12 125
40 920
-
-
Dividends
42 987
145 080
-
-
income
9 457
31 918
-
-
total
9 457
31 918
-
-
Income
186 000
186 000
186 000
186 000
Total tax
114 593
72 838
11 549
57 459
After tax
71 407
113 162
174 451
128 541
Living cost
37 877
37 877
37 877
37 877
Free-cash
33 530
75 285
136 574
90 664

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9256
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽106864
₽97805
₽99312
₽110112
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
-
-
-
186 000
income
-
-
-
43 846
health
-
-
-
4 743
social contributions
-
-
-
12 680
total
-
-
-
61 269
Employee
60 263
60 263
175 998
-
health
599
1 025
2 992
-
income
6 328
5 579
43 036
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
52 774
-
Employer
60 263
60 263
175 998
-
health
653
1 115
3 256
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
10 002
-
Corporate
147 143
119 620
-
-
income
18 393
14 953
-
-
total
18 393
14 953
-
-
Dividends
128 751
104 667
-
-
withholding
21 888
17 793
-
-
total
21 888
17 793
-
-
Income
186 000
186 000
186 000
186 000
Total tax
53 717
50 469
62 776
61 269
After tax
132 283
135 531
123 224
124 731
Living cost
25 419
25 419
25 419
25 419
Free-cash
106 864
110 112
97 805
99 312

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽92432
₽74711
₽91256
₽87949
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
-
-
-
186 000
income
-
-
-
58 742
pensions
-
-
-
7 866
total
-
-
-
66 608
Employee
38 621
-
161 995
-
health
504
-
2 144
-
pensions
2 948
-
9 291
-
income
7 033
-
47 712
-
total
10 485
-
59 147
-
Employer
38 621
-
161 995
-
health
734
-
3 078
-
pensions
3 902
-
20 928
-
total
4 636
-
24 006
-
Corporate
142 743
186 000
-
-
income

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

27 122
35 339
-
-
total
27 122
35 339
-
-
Dividends
115 622
150 661
-
-
withholding
23 189
34 576
-
-
total
23 189
34 576
-
-
Income
186 000
186 000
186 000
186 000
Total tax
65 432
69 915
83 153
66 608
After tax
120 568
116 085
102 847
119 392
Living cost
28 136
28 136
28 136
28 136
Free-cash
92 432
87 949
74 711
91 256

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5894
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽63187
₽50214
₽56652
₽66751
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
-
-
-
186 000
municipal
-
-
-
1 321
regional
-
-
-
4 626
social contributions
-
-
-
39 224
national
-
-
-
52 956
total
-
-
-
98 127
Employee
66 040
-
186 000
-
social contributions
22 268
-
51 424
-
regional
997
-
4 220
-
national
11 160
-
47 710
-
municipal
394
-
1 211
-
total
34 819
-
104 565
-
Employer
66 040
-
186 000
-
total
-
-
-
-
Corporate
119 960
186 000
-
-
nationa
28 790
44 641
-
-
municipal
5 782
8 965
-
-
total
34 572
53 606
-
-
Dividends
85 388
132 394
-
-
withholding
22 201
34 422
-
-
total
22 201
34 422
-
-
Income
186 000
186 000
186 000
186 000
Total tax
91 592
88 028
104 565
98 127
After tax
94 408
97 972
81 435
87 873
Living cost
31 221
31 221
31 221
31 221
Free-cash
63 187
66 751
50 214
56 652

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6670
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽12497
₽86122
₽110226
-₽1671
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
-
-
-
186 000
pensions
-
-
-
3 165
income
-
-
-
53 739
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
59 037
Employee
26 328
-
170 590
-
health
3 015
-
19 533
-
pensions
2 965
-
5 804
-
income
3 612
-
42 395
-
total
9 592
-
67 732
-
Employer
26 328
-
170 590
-
pensions
4 281
-
8 381
-
accident
440
-
2 849
-
unemployment
645
-
4 179
-
total
5 366
-
15 409
-
Corporate
154 307
186 000
-
-
income

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

138 876
167 400
-
-
total
138 876
167 400
-
-
Dividends
15 431
18 600
-
-
withholding
2 932
3 534
-
-
total
2 932
3 534
-
-
Income
186 000
186 000
186 000
186 000
Total tax
156 766
170 934
83 141
59 037
After tax
29 234
15 066
102 859
126 963
Living cost
16 737
16 737
16 737
16 737
Free-cash
12 497
-1 671
86 122
110 226

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3194
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽75642
₽84122
₽62660
₽65390
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.

-
-
-
186 000
trade
-
-
-
21 462
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.

-
-
-
62 812
health

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

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

-
-
-
5 354
surtax

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

-
-
-
3 455
total
-
-
-
93 083
Employee

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

38 994
-
186 000
-
health

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

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

5 354
-
5 354
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 206
-
62 812
-
surtax

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

177
-
3 455
-
total
8 737
-
71 621
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
147 006
186 000
-
-
income
22 051
27 900
-
-
trade
21 095
26 691
-
-
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.

1 212
1 535
-
-
chamber of commerce
335
391
-
-
total
44 693
56 517
-
-
Dividends
102 313
129 482
-
-
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.

1 391
1 764
-
-
withholding
25 280
32 072
-
-
total
26 671
33 836
-
-
Income
186 000
186 000
186 000
186 000
Total tax
80 101
90 353
71 621
93 083
After tax
105 899
95 647
114 379
92 917
Living cost
30 257
30 257
30 257
30 257
Free-cash
75 642
65 390
84 122
62 660

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5690
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽126068
₽65074
₽52001
₽132496
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.

-
-
-
186 000
income
-
-
-
40 237
microenterprise
-
-
-
-
social contributions

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

-
-
-
30 027
surtax
-
-
-
47 431
total
-
-
-
117 695
Employee
22 900
-
147 296
-
income
4 076
-
34 288
-
social contributions

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

2 519
-
10 274
-
surtax
-
-
21 358
-
total
6 595
-
65 920
-
Employer
22 900
-
147 296
-
social contributions

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

5 516
-
22 500
-
surtax
-
-
16 202
-
total
5 516
-
38 702
-
Corporate
157 584
186 000
-
-
income

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

31 517
37 200
-
-
total
31 517
37 200
-
-
Dividends

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

126 066
148 800
-
-
total
-
-
-
-
Income
186 000
186 000
186 000
186 000
Total tax
43 628
37 200
104 622
117 695
After tax
142 372
148 800
81 378
68 305
Living cost
16 304
16 304
16 304
16 304
Free-cash
126 068
132 496
65 074
52 001

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3980
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽104720
₽104742
₽105436
₽106321
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
-
-
-
186 000
income
-
-
-
58 562
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
70 821
Employee
14 840
-
178 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
58 189
-
total
5 097
-
63 519
-
Employer
14 840
-
178 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
167 821
186 000
-
-
income
36 921
40 920
-
-
total
36 921
40 920
-
-
Dividends
130 901
145 080
-
-
withholding
26 180
29 016
-
-
total
26 180
29 016
-
-
Income
186 000
186 000
186 000
186 000
Total tax
71 537
69 936
71 515
70 821
After tax
114 463
116 064
114 485
115 179
Living cost
9 743
9 743
9 743
9 743
Free-cash
104 720
106 321
104 742
105 436

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2940
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽96896
₽64989
₽69781
₽99391
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
-
-
-
186 000
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
59 859
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
10 234
total
-
-
-
98 616
Employee
26 392
-
163 983
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
55 172
-
other
-
-
-
-
surtax
94
-
9 295
-
total
8 791
-
81 391
-
Employer
26 392
-
163 983
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
154 051
186 000
-
-
income
40 054
48 360
-
-
total
40 054
48 360
-
-
Dividends
113 997
137 640
-
-
withholding
17 100
20 646
-
-
total
17 100
20 646
-
-
Income
186 000
186 000
186 000
186 000
Total tax
71 501
69 006
103 408
98 616
After tax
114 499
116 994
82 592
87 384
Living cost
17 603
17 603
17 603
17 603
Free-cash
96 896
99 391
64 989
69 781

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5037
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽77148
₽23605
₽70280
₽77536
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
-
-
-
186 000
pensions
-
-
-
16 938
chamber of commerce