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
₽ 19000
per

Your estimated
City
free-cash

Valencia , Spain
-₽20828
-₽15517
-₽11687
-₽9515
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
-
-
-
19 000
unemployment
-
-
-
133
income
-
-
-
2 528
other
-
-
-
19
accident
-
-
-
170
pensions
-
-
-
5 377
total
-
-
-
8 227
Employee
30 200
-
10 305
-
unemployment
468
-
423
-
pensions
1 420
-
1 282
-
income
5 822
-
1 629
-
other
29
-
28
-
total
7 739
-
3 362
-
Employer
30 200
-
10 305
-
pensions
7 127
-
6 437
-
accident
598
-
539
-
unemployment
1 662
-
1 500
-
other
242
-
219
-
total
9 629
-
8 695
-
Corporate
-
19 000
-
-
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.

-
2 850
-
-
total
-
2 850
-
-
Dividends
-
16 150
-
-
withholding
-
3 205
-
-
total
-
3 205
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 368
6 055
12 057
8 227
After tax
1 632
12 945
6 943
10 773
Living cost
22 460
22 460
22 460
22 460
Free-cash
-20 828
-9 515
-15 517
-11 687

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4747
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
-₽18127
-₽10626
-₽11474
-₽7804
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
-
-
-
19 000
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.

-
-
-
4 561
income
-
-
-
2 413
other
-
-
-
902
health
-
-
-
835
total
-
-
-
8 711
Employee
29 655
-
15 176
-
health
415
-
212
-
unemployment
296
-
152
-
pensions

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

2 075
-
1 063
-
income
5 105
-
2 612
-
total
7 891
-
4 039
-
Employer
29 655
-
15 176
-
health
415
-
212
-
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.

5 042
-
2 581
-
accident
237
-
121
-
unemployment
296
-
152
-
other
1 483
-
758
-
total
7 473
-
3 824
-
Corporate
-
19 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
15 010
-
-
withholding
-
1 051
-
-
total
-
1 051
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 364
5 041
7 863
8 711
After tax
3 636
13 959
11 137
10 289
Living cost
21 763
21 763
21 763
21 763
Free-cash
-18 127
-7 804
-10 626
-11 474

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
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.
₽4566
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
₽1745
₽1287
₽371
₽5538
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
-
-
-
19 000
pensions

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

-
-
-
2 812
unemployment
-
-
-
76
income
-
-
-
2 850
health
-
-
-
2 184
total
-
-
-
7 922
Employee
14 177
-
15 884
-
health
652
-
731
-
accident

We are using the highest rate at 1.1%.

156
-
175
-
pensions

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

1 245
-
1 395
-
income
1 417
-
1 589
-
total
3 470
-
3 890
-
Employer
14 177
-
15 884
-
health
979
-
1 096
-
pensions

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

1 562
-
1 750
-
accident

We are using the highest rate at 1.1%.

156
-
175
-
unemployment
85
-
95
-
total
2 782
-
3 116
-
Corporate
2 041
19 000
-
-
income
204
1 900
-
-
total
204
1 900
-
-
Dividends
1 837
17 100
-
-
withholding
92
855
-
-
total
92
855
-
-
Income
19 000
19 000
19 000
19 000
Total tax
6 548
2 755
7 006
7 922
After tax
12 452
16 245
11 994
11 078
Living cost
10 707
10 707
10 707
10 707
Free-cash
1 745
5 538
1 287
371

Estimated living cost  is ₽10707 per week

₽6251
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3408
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
-₽26871
-₽15514
-₽16524
-₽18367
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
-
-
-
19 000
income
-
-
-
-
other
-
-
-
589
health
-
-
-
219
social contributions
-
-
-
541
pensions
-
-
-
6 231
surtax
-
-
-
-
total
-
-
-
7 580
Employee
34 956
-
14 479
-
pensions
3 952
-
1 637
-
income
2 063
-
-
-
social contributions
997
-
412
-
surtax
-
-
-
-
total
7 012
-
2 049
-
Employer
34 956
-
14 479
-
health
2 447
-
1 014
-
social contributions
105
-
43
-
pensions
5 742
-
2 379
-
unemployment
1 415
-
586
-
other
1 206
-
499
-
total
10 915
-
4 521
-
Corporate
-
19 000
-
-
income
-
5 319
-
-
surtax
-
-
-
-
total
-
5 319
-
-
Dividends
-
13 681
-
-
social contributions
-
2 353
-
-
surtax
-
-
-
-
withholding
-
1 751
-
-
total
-
4 104
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 927
9 423
6 570
7 580
After tax
1 073
9 577
12 430
11 420
Living cost
27 944
27 944
27 944
27 944
Free-cash
-26 871
-18 367
-15 514
-16 524

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7578
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
-₽62103
-₽62103
-₽23261
-₽57519
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
-
-
-
19 000
pensions
-
-
-
3 419
income
-
-
-
1 710
health
-
-
-
2 917
total
-
-
-
8 046
Employee
69 747
69 747
69 747
-
health
10 705
9 106
10 705
-
pensions
12 554
9 569
12 554
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
34 675
-
Employer
69 747
69 747
69 747
-
health
4 848
4 848
4 848
-
pensions
4 854
4 854
4 854
-
unemployment
2 511
2 511
2 511
-
total
12 213
12 213
12 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
46 888
42 304
46 888
8 046
After tax
-27 888
-23 304
-27 888
10 954
Living cost
34 215
34 215
34 215
34 215
Free-cash
-62 103
-57 519
-62 103
-23 261

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽6339
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
-₽12240
-₽11319
-₽11319
-₽14952
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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 580
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.

-
-
-
-
total
-
-
-
5 580
Employee

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

31 239
-
19 000
-
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.

5 580
-
5 580
-
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.

873
-
-
-
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.

48
-
-
-
total
6 501
-
5 580
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
income
-
2 850
-
-
trade
-
2 993
-
-
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.

-
157
-
-
chamber of commerce
-
152
-
-
total
-
6 152
-
-
Dividends
-
12 848
-
-
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.

-
160
-
-
withholding
-
2 901
-
-
total
-
3 061
-
-
Income
19 000
19 000
19 000
19 000
Total tax
6 501
9 213
5 580
5 580
After tax
12 499
9 787
13 420
13 420
Living cost
24 739
24 739
24 739
24 739
Free-cash
-12 240
-14 952
-11 319
-11 319

Estimated living cost  is ₽24739 per week

₽15561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽5831
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
-₽12512
-₽11239
-₽5546
-₽18378
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
-
-
-
31 049
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 844
total
-
-
-
5 636
Employee
62 804
62 804
62 804
-
health
487
1 068
360
-
income
6 838
5 814
7 061
-
social contributions
2 374
5 212
1 758
-
total
9 699
12 094
9 179
-
Employer
62 804
62 804
62 804
-
health
529
1 162
392
-
social contributions
2 374
5 212
1 758
-
total
2 903
6 374
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
12 602
18 468
11 329
5 636
After tax
6 398
532
7 671
13 364
Living cost
18 910
18 910
18 910
18 910
Free-cash
-12 512
-18 378
-11 239
-5 546

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
-₽27485
-₽14164
-₽14330
-₽14812
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.

-
-
-
19 000
income
-
-
-
1 108
social contributions

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

-
-
-
6 603
surtax
-
-
-
-
total
-
-
-
7 711
Employee
37 564
-
15 353
-
income
7 813
-
2 209
-
social contributions
4 132
-
1 689
-
surtax
-
-
-
-
total
11 945
-
3 898
-
Employer
37 564
-
15 353
-
social contributions
8 921
-
3 647
-
total
8 921
-
3 647
-
Corporate
-
19 000
-
-
income
-
3 990
-
-
surtax
-
-
-
-
total
-
3 990
-
-
Dividends
-
15 010
-
-
withholding
-
4 203
-
-
total
-
4 203
-
-
Income
19 000
19 000
19 000
19 000
Total tax
20 866
8 193
7 545
7 711
After tax
-1 866
10 807
11 455
11 289
Living cost
25 619
25 619
25 619
25 619
Free-cash
-27 485
-14 812
-14 164
-14 330

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
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.
₽4512
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
₽10817
₽9109
₽12719
₽11959
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%.

-
-
-
19 000
microenterprise

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

-
-
-
190
total
-
-
-
190
Employee
7 614
-
19 000
-
income
1 523
-
3 800
-
total
1 523
-
3 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

11 386
19 000
-
-
total
-
-
-
-
Dividends
11 386
19 000
-
-
withholding
569
950
-
-
total
569
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
2 092
950
3 800
190
After tax
16 908
18 050
15 200
18 810
Living cost
6 091
6 091
6 091
6 091
Free-cash
10 817
11 959
9 109
12 719

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
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.
₽1643
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
-₽22740
-₽11191
-₽10587
-₽8825
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.

-
-
-
19 000
pensions
-
-
-
3 470
unemployment
-
-
-
28
income
-
-
-
2 313
health
-
-
-
1 869
total
-
-
-
7 680
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.

36 117
-
16 440
-
health
2 333
-
1 063
-
unemployment
51
-
23
-
pensions
5 598
-
2 548
-
income
6 228
-
2 090
-
total
14 210
-
5 724
-
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.

36 117
-
16 440
-
health
2 405
-
1 096
-
pensions
3 196
-
1 455
-
unemployment
22
-
9
-
total
5 623
-
2 560
-
Corporate
-
19 000
-
-
income
-
3 610
-
-
total
-
3 610
-
-
Dividends
-
15 390
-
-
withholding
-
2 308
-
-
total
-
2 308
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 833
5 918
8 284
7 680
After tax
-833
13 082
10 716
11 320
Living cost
21 907
21 907
21 907
21 907
Free-cash
-22 740
-8 825
-11 191
-10 587

Estimated living cost  is ₽21907 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5045
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
-₽24659
-₽14323
-₽39068
-₽19737
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.

-
-
-
19 000
income
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
17 270
-
social contributions
3 754
-
1 730
-
income
4 065
-
215
-
total
7 819
-
1 945
-
Employer
37 468
-
17 270
-
social contributions
3 754
-
1 730
-
total
3 754
-
1 730
-
Corporate
-
19 000
-
-
income
-
6 651
-
-
total
-
6 651
-
-
Dividends
-
12 349
-
-
social contributions
2 438
2 438
-
-
total
2 438
2 438
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 011
9 089
3 675
28 420
After tax
4 989
9 911
15 325
-9 420
Living cost
29 648
29 648
29 648
29 648
Free-cash
-24 659
-19 737
-14 323
-39 068

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7327
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
-₽10838
-₽7572
-₽5118
-₽5728
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
-
-
-
19 000
income
-
-
-
2 850
health
-
-
-
1 327
social contributions
-
-
-
2 622
total
-
-
-
6 799
Employee
27 693
-
19 000
-
health
1 933
-
1 327
-
income
4 619
-
5 304
-
social contributions
3 822
-
2 622
-
total
10 374
-
9 253
-
Employer
27 693
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
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%.

-
950
-
-
total
-
950
-
-
Dividends
-
18 050
-
-
social contributions
1 424
2 491
-
-
withholding
-
2 708
-
-
health
721
1 260
-
-
total
2 145
6 459
-
-
Income
19 000
19 000
19 000
19 000
Total tax
12 519
7 409
9 253
6 799
After tax
6 481
11 591
9 747
12 201
Living cost
17 319
17 319
17 319
17 319
Free-cash
-10 838
-5 728
-7 572
-5 118

Estimated living cost  is ₽17319 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4261
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
-₽25861
-₽13124
-₽13511
-₽9684
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
-
-
-
19 000
income
-
-
-
1 633
health
-
-
-
2 565
social contributions
-
-
-
5 548
solidarity contribution
-
-
-
-
total
-
-
-
9 746
Employee
33 479
-
14 179
-
health
4 520
-
1 914
-
solidarity contribution
-
-
-
-
income
4 017
-
1 702
-
social contributions
2 176
-
922
-
total
10 713
-
4 538
-
Employer
33 479
-
14 179
-
health
3 013
-
1 276
-
social contributions
8 370
-
3 545
-
total
11 383
-
4 821
-
Corporate
-
19 000
-
-
income
-
3 610
-
-
total
-
3 610
-
-
Dividends
-
15 390
-
-
withholding
-
2 309
-
-
total
-
2 309
-
-
Income
19 000
19 000
19 000
19 000
Total tax
22 096
5 919
9 359
9 746
After tax
-3 096
13 081
9 641
9 254
Living cost
22 765
22 765
22 765
22 765
Free-cash
-25 861
-9 684
-13 124
-13 511

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4181
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
₽6778
₽5708
₽9318
₽8558
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%.

-
-
-
19 000
microenterprise

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

-
-
-
190
total
-
-
-
190
Employee
11 865
-
19 000
-
income
2 373
-
3 800
-
total
2 373
-
3 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

7 135
19 000
-
-
total
-
-
-
-
Dividends
7 135
19 000
-
-
withholding
357
950
-
-
total
357
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
2 730
950
3 800
190
After tax
16 270
18 050
15 200
18 810
Living cost
9 492
9 492
9 492
9 492
Free-cash
6 778
8 558
5 708
9 318

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
-₽48129
-₽27018
-₽28028
-₽29871
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
-
-
-
19 000
income
-
-
-
-
other
-
-
-
589
health
-
-
-
219
social contributions
-
-
-
541
pensions
-
-
-
6 231
surtax
-
-
-
-
total
-
-
-
7 580
Employee
51 154
-
14 479
-
pensions
5 786
-
1 637
-
income
4 463
-
-
-
social contributions
1 457
-
412
-
surtax
-
-
-
-
total
11 706
-
2 049
-
Employer
51 154
-
14 479
-
health
3 580
-
1 014
-
social contributions
153
-
43
-
pensions
8 405
-
2 379
-
unemployment
2 072
-
586
-
other
1 765
-
499
-
total
15 975
-
4 521
-
Corporate
-
19 000
-
-
income
-
5 319
-
-
surtax
-
-
-
-
total
-
5 319
-
-
Dividends
-
13 681
-
-
social contributions
-
2 353
-
-
surtax
-
-
-
-
withholding
-
1 751
-
-
total
-
4 104
-
-
Income
19 000
19 000
19 000
19 000
Total tax
27 681
9 423
6 570
7 580
After tax
-8 681
9 577
12 430
11 420
Living cost
39 448
39 448
39 448
39 448
Free-cash
-48 129
-29 871
-27 018
-28 028

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8982
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
-₽6023
-₽3070
-₽3887
-₽348
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.

-
-
-
19 000
pensions
-
-
-
4 940
unemployment
-
-
-
285
income
-
-
-
1 630
health
-
-
-
1 957
total
-
-
-
8 812
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.

21 224
-
16 115
-
health
1 093
-
830
-
unemployment
159
-
121
-
pensions
2 971
-
2 256
-
income
2 926
-
1 903
-
total
7 149
-
5 110
-
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.

21 224
-
16 115
-
health
1 093
-
830
-
pensions
2 547
-
1 934
-
unemployment
159
-
121
-
total
3 799
-
2 885
-
Corporate
-
19 000
-
-
income
-
2 850
-
-
total
-
2 850
-
-
Dividends
-
16 150
-
-
withholding
-
2 423
-
-
total
-
2 423
-
-
Income
19 000
19 000
19 000
19 000
Total tax
10 948
5 273
7 995
8 812
After tax
8 052
13 727
11 005
10 188
Living cost
14 075
14 075
14 075
14 075
Free-cash
-6 023
-348
-3 070
-3 887

Estimated living cost  is ₽14075 per week

₽9477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3102
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
-₽53759
-₽42548
-₽40417
-₽48079
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
-
-
-
19 000
pensions
-
-
-
1 747
city
-
-
-
198
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.

-
-
-
381
health
-
-
-
185
regional
-
-
-
139
national
-
-
-
-
total
-
-
-
2 650
Employee
66 432
-
16 392
-
health
150
-
36
-
unemployment
-
-
-
-
city
713
-
168
-
pensions
5 581
-
2 063
-
regional
2 175
-
87
-
national
314
-
-
-
total
8 933
-
2 354
-
Employer
66 432
-
16 392
-
health
150
-
36
-
pensions
5 581
-
2 063
-
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.

1 328
-
328
-
total
7 059
-
2 427
-
Corporate
-
19 000
-
-
regional
-
4 018
-
-
national
-
1 615
-
-
total
-
5 633
-
-
Dividends
-
13 366
-
-
withholding
-
4 679
-
-
total
-
4 679
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 992
10 312
4 781
2 650
After tax
3 008
8 688
14 219
16 350
Living cost
56 767
56 767
56 767
56 767
Free-cash
-53 759
-48 079
-42 548
-40 417

Estimated living cost  is ₽56767 per week

₽36915
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14061
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
-₽32078
-₽19330
-₽15778
-₽18209
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

-
-
-
19 000
municipal
-
-
-
3 421
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 421
Employee
42 971
-
15 985
-
health
321
-
-
-
unemployment
645
-
240
-
pensions
2 900
-
1 079
-
national
710
-
-
-
municipal
7 038
-
2 640
-
total
11 614
-
3 959
-
Employer
42 971
-
15 985
-
health
330
-
122
-
pensions
7 455
-
2 773
-
accident
43
-
15
-
unemployment
279
-
104
-
total
8 107
-
3 014
-
Corporate
-
19 000
-
-
income
-
3 800
-
-
total
-
3 800
-
-
Dividends

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

-
11 400
-
-
municipal
-
2 052
-
-
national
-
-
-
-
total
-
2 052
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 721
5 852
6 973
3 421
After tax
-721
13 148
12 027
15 579
Living cost
31 357
31 357
31 357
31 357
Free-cash
-32 078
-18 209
-19 330
-15 778

Estimated living cost  is ₽31357 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽7361
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
-₽56428
-₽20952
-₽19641
-₽18895
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
-
-
-
19 000
communal

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

-
-
-
882
social contributions
-
-
-
4 306
national
-
-
-
3 673
total
-
-
-
8 861
Employee

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

58 422
-
14 718
-
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.

2 745
-
691
-
communal

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

3 047
-
767
-
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.

508
-
129
-
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.

4 382
-
1 104
-
national
17 961
-
3 199
-
total
28 643
-
5 890
-
Employer

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

58 422
-
14 718
-
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.

3 593
-
905
-
pensions

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

5 177
-
1 303
-
surtax
6 624
-
1 668
-
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.

759
-
191
-
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.

852
-
215
-
total
17 005
-
4 282
-
Corporate
-
19 000
-
-
income
-
3 800
-
-
surtax
-
76
-
-
total
-
3 876
-
-
Dividends
-
15 124
-
-
withholding

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

-
4 239
-
-
total
-
4 239
-
-
Income
19 000
19 000
19 000
19 000
Total tax
45 648
8 115
10 172
8 861
After tax
-26 648
10 885
8 828
10 139
Living cost
29 780
29 780
29 780
29 780
Free-cash
-56 428
-18 895
-20 952
-19 641

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽7528
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
-₽46982
-₽25090
-₽25764
-₽24862
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
-
-
-
19 000
unemployment
-
-
-
19
municipal
-
-
-
4 024
other
-
-
-
2 208
health
-
-
-
1 185
national
-
-
-
-
accident
-
-
-
38
pensions
-
-
-
2 054
total
-
-
-
9 528
Employee
50 208
-
14 457
-
national
-
-
-
-
municipal
14 972
-
4 311
-
total
14 972
-
4 311
-
Employer
50 208
-
14 457
-
health
3 088
-
889
-
pensions
5 427
-
1 563
-
accident
100
-
29
-
unemployment
1 325
-
382
-
other
5 834
-
1 680
-
total
15 774
-
4 543
-
Corporate
-
19 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
14 820
-
-
withholding
-
4 446
-
-
total
-
4 446
-
-
Income
19 000
19 000
19 000
19 000
Total tax
30 746
8 626
8 854
9 528
After tax
-11 746
10 374
10 146
9 472
Living cost
35 236
35 236
35 236
35 236
Free-cash
-46 982
-24 862
-25 090
-25 764

Estimated living cost  is ₽35236 per week

₽23353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7890
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
-₽115127
-₽33225
-₽25684
-₽27255
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
-
-
-
19 000
income
-
-
-
3 703
social contributions
-
-
-
2 166
total
-
-
-
5 869
Employee
55 654
-
7 816
-
income
12 276
-
1 576
-
social contributions
4 564
-
650
-
total
16 840
-
2 226
-
Employer
55 654
-
7 816
-
social contributions
78 473
-
11 184
-
total
78 473
-
11 184
-
Corporate
-
19 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
14 820
-
-
income
-
3 260
-
-
total
-
3 260
-
-
Income
19 000
19 000
19 000
19 000
Total tax
95 313
7 440
13 410
5 869
After tax
-76 313
11 560
5 590
13 131
Living cost
38 814
38 814
38 814
38 814
Free-cash
-115 127
-27 255
-33 225
-25 684

Estimated living cost  is ₽38814 per week

₽25184
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽9485
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
-₽21495
-₽18820
-₽13127
-₽25959
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
-
-
-
31 049
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 844
total
-
-
-
5 636
Employee
62 804
62 804
62 804
-
health
625
1 068
360
-
income
6 595
5 814
7 061
-
social contributions
3 052
5 212
1 758
-
total
10 272
12 094
9 179
-
Employer
62 804
62 804
62 804
-
health
680
1 162
392
-
social contributions
3 052
5 212
1 758
-
total
3 732
6 374
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 004
18 468
11 329
5 636
After tax
4 996
532
7 671
13 364
Living cost
26 491
26 491
26 491
26 491
Free-cash
-21 495
-25 959
-18 820
-13 127

Estimated living cost  is ₽26491 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
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.
₽5868
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
-₽25761
-₽15309
-₽14234
-₽14878
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
-
-
-
19 000
income
-
-
-
3 720
pensions
-
-
-
400
total
-
-
-
4 120
Employee
39 963
-
17 698
-
health
521
-
64
-
pensions
3 050
-
378
-
income
7 278
-
3 451
-
total
10 849
-
3 893
-
Employer
39 963
-
17 698
-
health
760
-
337
-
pensions
4 038
-
965
-
total
4 798
-
1 302
-
Corporate
-
19 000
-
-
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.

-
3 609
-
-
total
-
3 609
-
-
Dividends
-
15 391
-
-
withholding
-
1 155
-
-
total
-
1 155
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 647
4 764
5 195
4 120
After tax
3 353
14 236
13 805
14 880
Living cost
29 114
29 114
29 114
29 114
Free-cash
-25 761
-14 878
-15 309
-14 234

Estimated living cost  is ₽29114 per week

₽19972
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6099
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
-₽49825
-₽24576
-₽23115
-₽22530
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
-
-
-
19 000
municipal
-
-
-
115
regional
-
-
-
219
social contributions
-
-
-
6 330
national
-
-
-
2 914
total
-
-
-
9 578
Employee
68 824
-
19 000
-
social contributions
23 207
-
8 298
-
regional
1 039
-
184
-
national
11 631
-
2 461
-
municipal
411
-
96
-
total
36 288
-
11 039
-
Employer
68 824
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
nationa
-
4 560
-
-
municipal
-
916
-
-
total
-
5 476
-
-
Dividends
-
13 524
-
-
withholding
-
3 517
-
-
total
-
3 517
-
-
Income
19 000
19 000
19 000
19 000
Total tax
36 288
8 993
11 039
9 578
After tax
-17 288
10 007
7 961
9 422
Living cost
32 537
32 537
32 537
32 537
Free-cash
-49 825
-22 530
-24 576
-23 115

Estimated living cost  is ₽32537 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6951
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
-₽13748
-₽7261
-₽6169
-₽15755
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
-
-
-
19 000
pensions
-
-
-
3 271
income
-
-
-
2 401
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
7 875
Employee
27 204
-
15 783
-
health
3 115
-
1 807
-
pensions
3 063
-
1 777
-
income
3 732
-
2 165
-
total
9 910
-
5 749
-
Employer
27 204
-
15 783
-
pensions
4 424
-
2 567
-
accident
454
-
264
-
unemployment
666
-
387
-
total
5 544
-
3 218
-
Corporate
-
19 000
-
-
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.

-
17 100
-
-
total
-
17 100
-
-
Dividends
-
1 900
-
-
withholding
-
361
-
-
total
-
361
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 454
17 461
8 967
7 875
After tax
3 546
1 539
10 033
11 125
Living cost
17 294
17 294
17 294
17 294
Free-cash
-13 748
-15 755
-7 261
-6 169

Estimated living cost  is ₽17294 per week

₽12675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

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
-₽21638
-₽18112
-₽18112
-₽21548
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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 580
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.

-
-
-
-
total
-
-
-
5 580
Employee

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

40 638
-
19 000
-
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.

5 580
-
5 580
-
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.

3 342
-
-
-
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.

184
-
-
-
total
9 106
-
5 580
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
income
-
2 850
-
-
trade
-
2 726
-
-
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.

-
157
-
-
chamber of commerce
-
152
-
-
total
-
5 885
-
-
Dividends
-
13 115
-
-
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.

-
163
-
-
withholding
-
2 968
-
-
total
-
3 131
-
-
Income
19 000
19 000
19 000
19 000
Total tax
9 106
9 016
5 580
5 580
After tax
9 894
9 984
13 420
13 420
Living cost
31 532
31 532
31 532
31 532
Free-cash
-21 638
-21 548
-18 112
-18 112

Estimated living cost  is ₽31532 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
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.
₽5930
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
-₽10615
-₽6091
-₽3413
-₽1792
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.

-
-
-
19 000
income
-
-
-
-
microenterprise
-
-
-
2 850
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.

-
-
-
2 571
surtax
-
-
-
-
total
-
-
-
5 421
Employee
23 866
-
15 311
-
income
4 248
-
2 725
-
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.

2 626
-
1 685
-
surtax
-
-
-
-
total
6 874
-
4 410
-
Employer
23 866
-
15 311
-
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.

5 749
-
3 689
-
surtax
-
-
-
-
total
5 749
-
3 689
-
Corporate
-
19 000
-
-
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%.

-
3 800
-
-
total
-
3 800
-
-
Dividends

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

-
15 200
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
12 623
3 800
8 099
5 421
After tax
6 377
15 200
10 901
13 579
Living cost
16 992
16 992
16 992
16 992
Free-cash
-10 615
-1 792
-6 091
-3 413

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4148
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
₽168
₽139
-₽402
₽1818
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
-
-
-
19 000
income
-
-
-
2 809
health
-
-
-
2 755
pensions
-
-
-
3 800
total
-
-
-
9 364
Employee
15 289
-
15 510
-
health
764
-
775
-
unemployment
153
-
155
-
pensions
1 376
-
1 396
-
income
2 958
-
3 008
-
total
5 251
-
5 334
-
Employer
15 289
-
15 510
-
health
1 453
-
1 473
-
pensions
1 682
-
1 706
-
unemployment
306
-
310
-
total
3 441
-
3 489
-
Corporate
270
19 000
-
-
income
60
4 180
-
-
total
60
4 180
-
-
Dividends
211
14 820
-
-
withholding
42
2 964
-
-
total
42
2 964
-
-
Income
19 000
19 000
19 000
19 000
Total tax
8 794
7 144
8 823
9 364
After tax
10 206
11 856
10 177
9 636
Living cost
10 038
10 038
10 038
10 038
Free-cash
168
1 818
139
-402

Estimated living cost  is ₽10038 per week

₽5965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3029
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
-₽14296
-₽7822
-₽7414
-₽6394
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
-
-
-
19 000
pensions
-
-
-
3 800
unemployment
-
-
-
186
income
-
-
-
2 733
other
-
-
-
-
health
-
-
-
1 350
surtax
-
-
-
-
total
-
-
-
8 069
Employee
27 505
-
15 697
-
health
702
-
401
-
unemployment
1 914
-
1 093
-
pensions
1 835
-
1 048
-
income
4 611
-
2 632
-
other
-
-
-
-
surtax
98
-
-
-
total
9 160
-
5 174
-
Employer
27 505
-
15 697
-
health
1 251
-
713
-
pensions
3 667
-
2 092
-
unemployment
873
-
498
-
other
-
-
-
-
total
5 791
-
3 303
-
Corporate
-
19 000
-
-
income
-
4 940
-
-
total
-
4 940
-
-
Dividends
-
14 060
-
-
withholding
-
2 109
-
-
total
-
2 109
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 951
7 049
8 477
8 069
After tax
4 049
11 951
10 523
10 931
Living cost
18 345
18 345
18 345
18 345
Free-cash
-14 296
-6 394
-7 822
-7 414

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5250
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
-₽27751
-₽20969
-₽17111
-₽25493
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
-
-
-
19 000
pensions
-
-
-
3 515
chamber of commerce
-
-
-
76
unemployment
-