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
-₽15883
-₽11954
-₽9780
-₽21300
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
-
-
-
2 527
accident
-
-
-
171
unemployment
-
-
-
133
pensions
-
-
-
5 378
other
-
-
-
19
total
-
-
-
8 228
Employee
30 558
-
10 202
-
other
30
-
28
-
income
5 891
-
1 606
-
unemployment
474
-
428
-
pensions
1 437
-
1 297
-
total
7 832
-
3 359
-
Employer
30 558
-
10 202
-
unemployment
1 681
-
1 518
-
pensions
7 211
-
6 513
-
other
245
-
221
-
accident
605
-
546
-
total
9 742
-
8 798
-
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
-
3 204
-
-
total
-
3 204
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 574
6 054
12 157
8 228
After tax
1 426
12 946
6 843
10 772
Living cost
22 726
22 726
22 726
22 726
Free-cash
-21 300
-9 780
-15 883
-11 954

Estimated living cost  is ₽22726 per week

₽15340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2185
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.
₽4804
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
-₽10884
-₽11734
-₽8062
-₽18570
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
-
-
-
2 414
health
-
-
-
836
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
other
-
-
-
902
total
-
-
-
8 713
Employee
30 007
-
15 176
-
income
5 166
-
2 613
-
health
420
-
212
-
unemployment
300
-
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.

2 100
-
1 062
-
total
7 986
-
4 039
-
Employer
30 007
-
15 176
-
unemployment
300
-
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.

5 102
-
2 580
-
other
1 501
-
759
-
accident
240
-
121
-
health
420
-
212
-
total
7 563
-
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
15 549
5 041
7 863
8 713
After tax
3 451
13 959
11 137
10 287
Living cost
22 021
22 021
22 021
22 021
Free-cash
-18 570
-8 062
-10 884
-11 734

Estimated living cost  is ₽22021 per week

₽15559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1487
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4620
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
₽1168
₽250
₽5418
₽1582
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
-
-
-
2 185
unemployment
-
-
-
76
pensions

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

-
-
-
2 812
total
-
-
-
7 923
Employee
14 336
-
15 883
-
income
1 433
-
1 588
-
health
659
-
731
-
accident

We are using the highest rate at 1.1%.

158
-
175
-
pensions

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

1 259
-
1 394
-
total
3 509
-
3 888
-
Employer
14 336
-
15 883
-
unemployment
86
-
95
-
pensions

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

1 580
-
1 751
-
accident

We are using the highest rate at 1.1%.

158
-
175
-
health
990
-
1 096
-
total
2 814
-
3 117
-
Corporate
1 850
19 000
-
-
income
185
1 900
-
-
total
185
1 900
-
-
Dividends
1 665
17 100
-
-
withholding
83
855
-
-
total
83
855
-
-
Income
19 000
19 000
19 000
19 000
Total tax
6 591
2 755
7 005
7 923
After tax
12 409
16 245
11 995
11 077
Living cost
10 827
10 827
10 827
10 827
Free-cash
1 582
5 418
1 168
250

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3446
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
-₽15845
-₽16874
-₽18701
-₽27415
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
-
-
-
-
social contributions
-
-
-
543
health
-
-
-
221
surtax
-
-
-
-
pensions
-
-
-
6 245
other
-
-
-
590
total
-
-
-
7 599
Employee
35 370
-
14 479
-
income
2 087
-
-
-
social contributions
1 008
-
412
-
surtax
-
-
-
-
pensions
3 999
-
1 637
-
total
7 094
-
2 049
-
Employer
35 370
-
14 479
-
unemployment
1 432
-
587
-
social contributions
107
-
44
-
pensions
5 811
-
2 378
-
other
1 220
-
499
-
health
2 476
-
1 013
-
total
11 046
-
4 521
-
Corporate
-
19 000
-
-
income
-
5 320
-
-
surtax
-
-
-
-
total
-
5 320
-
-
Dividends
-
13 680
-
-
withholding
-
1 752
-
-
surtax
-
-
-
-
social contributions
-
2 354
-
-
total
-
4 106
-
-
Income
19 000
19 000
19 000
19 000
Total tax
18 140
9 426
6 570
7 599
After tax
860
9 574
12 430
11 401
Living cost
28 275
28 275
28 275
28 275
Free-cash
-27 415
-18 701
-15 845
-16 874

Estimated living cost  is ₽28275 per week

₽17829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2299
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7668
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
-₽63067
-₽23668
-₽58429
-₽63067
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
-
-
-
1 709
health
-
-
-
2 917
pensions
-
-
-
3 421
total
-
-
-
8 047
Employee
70 574
70 574
70 574
-
income

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

11 552
11 552
11 552
-
health
10 832
9 214
10 832
-
pensions
12 703
9 683
12 703
-
total
35 087
30 449
35 087
-
Employer
70 574
70 574
70 574
-
unemployment
2 541
2 541
2 541
-
pensions
4 912
4 912
4 912
-
health
4 906
4 906
4 906
-
total
12 359
12 359
12 359
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
47 446
42 808
47 446
8 047
After tax
-28 446
-23 808
-28 446
10 953
Living cost
34 621
34 621
34 621
34 621
Free-cash
-63 067
-58 429
-63 067
-23 668

Estimated living cost  is ₽34621 per week

₽24535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3121
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6414
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
-₽11678
-₽11678
-₽15241
-₽12610
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
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.

-
-
-
5 646
trade
-
-
-
-
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
-
-
-
5 646
Employee

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

31 610
-
19 000
-
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.

883
-
-
-
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.

5 646
-
5 646
-
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.

49
-
-
-
total
6 578
-
5 646
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
chamber of commerce
-
152
-
-
income
-
2 850
-
-
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
-
-
trade
-
2 992
-
-
total
-
6 151
-
-
Dividends
-
12 849
-
-
withholding
-
2 898
-
-
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
-
-
total
-
3 058
-
-
Income
19 000
19 000
19 000
19 000
Total tax
6 578
9 209
5 646
5 646
After tax
12 422
9 791
13 354
13 354
Living cost
25 032
25 032
25 032
25 032
Free-cash
-12 610
-15 241
-11 678
-11 678

Estimated living cost  is ₽25032 per week

₽15746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2919
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.
₽5900
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
-₽11596
-₽5836
-₽18822
-₽12886
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
-
-
-
31 417
income
-
-
-
-
social contributions
-
-
-
4 901
health
-
-
-
801
total
-
-
-
5 702
Employee
63 549
63 549
63 549
-
income
6 919
5 883
7 145
-
social contributions
2 403
5 274
1 778
-
health
492
1 081
364
-
total
9 814
12 238
9 287
-
Employer
63 549
63 549
63 549
-
social contributions
2 403
5 274
1 778
-
health
535
1 176
397
-
total
2 938
6 450
2 175
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
12 752
18 688
11 462
5 702
After tax
6 248
312
7 538
13 298
Living cost
19 134
19 134
19 134
19 134
Free-cash
-12 886
-18 822
-11 596
-5 836

Estimated living cost  is ₽19134 per week

₽11468
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5367
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
-₽14456
-₽14635
-₽15116
-₽28037
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
-
-
-
1 109
social contributions

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

-
-
-
6 603
surtax
-
-
-
-
total
-
-
-
7 712
Employee
38 010
-
15 354
-
income
7 906
-
2 198
-
social contributions
4 181
-
1 689
-
surtax
-
-
-
-
total
12 087
-
3 887
-
Employer
38 010
-
15 354
-
social contributions
9 027
-
3 646
-
total
9 027
-
3 646
-
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
21 114
8 193
7 533
7 712
After tax
-2 114
10 807
11 467
11 288
Living cost
25 923
25 923
25 923
25 923
Free-cash
-28 037
-15 116
-14 456
-14 635

Estimated living cost  is ₽25923 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1529
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽4565
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
₽9012
₽12622
₽11862
₽10702
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
7 735
-
19 000
-
income
1 547
-
3 800
-
total
1 547
-
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%.

11 265
19 000
-
-
total
-
-
-
-
Dividends
11 265
19 000
-
-
withholding
563
950
-
-
total
563
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
2 110
950
3 800
190
After tax
16 890
18 050
15 200
18 810
Living cost
6 188
6 188
6 188
6 188
Free-cash
10 702
11 862
9 012
12 622

Estimated living cost  is ₽6188 per week

₽3835
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1669
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
-₽11435
-₽10830
-₽9086
-₽23236
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
income
-
-
-
2 297
health
-
-
-
1 869
unemployment
-
-
-
28
pensions
-
-
-
3 469
total
-
-
-
7 663
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.

36 545
-
16 441
-
income
6 302
-
2 074
-
health
2 360
-
1 062
-
unemployment
52
-
24
-
pensions
5 665
-
2 549
-
total
14 379
-
5 709
-
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.

36 545
-
16 441
-
unemployment
22
-
9
-
pensions
3 234
-
1 455
-
health
2 434
-
1 095
-
total
5 690
-
2 559
-
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
20 069
5 919
8 268
7 663
After tax
-1 069
13 081
10 732
11 337
Living cost
22 167
22 167
22 167
22 167
Free-cash
-23 236
-9 086
-11 435
-10 830

Estimated living cost  is ₽22167 per week

₽15213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1421
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5105
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
-₽14650
-₽39958
-₽20117
-₽25177
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
-
-
-
23 525
health

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

-
-
-
5 433
total
-
-
-
28 958
Employee
37 912
-
17 270
-
social contributions
3 798
-
1 730
-
income
4 114
-
190
-
total
7 912
-
1 920
-
Employer
37 912
-
17 270
-
social contributions
3 798
-
1 730
-
total
3 798
-
1 730
-
Corporate
-
19 000
-
-
income
-
6 650
-
-
total
-
6 650
-
-
Dividends
-
12 350
-
-
social contributions
2 467
2 467
-
-
total
2 467
2 467
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 177
9 117
3 650
28 958
After tax
4 823
9 883
15 350
-9 958
Living cost
30 000
30 000
30 000
30 000
Free-cash
-25 177
-20 117
-14 650
-39 958

Estimated living cost  is ₽30000 per week

₽19761
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7413
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
-₽7743
-₽5323
-₽5930
-₽11191
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
social contributions
-
-
-
2 622
health
-
-
-
1 327
total
-
-
-
6 799
Employee
28 021
-
19 000
-
income
4 674
-
5 270
-
social contributions
3 867
-
2 622
-
health
1 956
-
1 327
-
total
10 497
-
9 219
-
Employer
28 021
-
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
-
-
withholding
-
2 707
-
-
health
729
1 259
-
-
social contributions
1 441
2 490
-
-
total
2 170
6 456
-
-
Income
19 000
19 000
19 000
19 000
Total tax
12 667
7 406
9 219
6 799
After tax
6 333
11 594
9 781
12 201
Living cost
17 524
17 524
17 524
17 524
Free-cash
-11 191
-5 930
-7 743
-5 323

Estimated living cost  is ₽17524 per week

₽11728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4311
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
-₽13030
-₽13417
-₽9589
-₽25676
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
social contributions
-
-
-
5 548
solidarity contribution
-
-
-
-
health
-
-
-
2 565
total
-
-
-
9 746
Employee
33 340
-
14 179
-
solidarity contribution
-
-
-
-
income
4 001
-
1 702
-
social contributions
2 167
-
922
-
health
4 501
-
1 914
-
total
10 669
-
4 538
-
Employer
33 340
-
14 179
-
social contributions
8 335
-
3 545
-
health
3 001
-
1 276
-
total
11 336
-
4 821
-
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
22 005
5 918
9 359
9 746
After tax
-3 005
13 082
9 641
9 254
Living cost
22 671
22 671
22 671
22 671
Free-cash
-25 676
-9 589
-13 030
-13 417

Estimated living cost  is ₽22671 per week

₽16860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4163
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
₽5557
₽9167
₽8407
₽6599
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
12 054
-
19 000
-
income
2 411
-
3 800
-
total
2 411
-
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%.

6 946
19 000
-
-
total
-
-
-
-
Dividends
6 946
19 000
-
-
withholding
347
950
-
-
total
347
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
2 758
950
3 800
190
After tax
16 242
18 050
15 200
18 810
Living cost
9 643
9 643
9 643
9 643
Free-cash
6 599
8 407
5 557
9 167

Estimated living cost  is ₽9643 per week

₽6526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2389
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
-₽27486
-₽28515
-₽30342
-₽48927
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
-
-
-
-
social contributions
-
-
-
543
health
-
-
-
221
surtax
-
-
-
-
pensions
-
-
-
6 245
other
-
-
-
590
total
-
-
-
7 599
Employee
51 761
-
14 479
-
income
4 516
-
-
-
social contributions
1 474
-
412
-
surtax
-
-
-
-
pensions
5 855
-
1 637
-
total
11 845
-
2 049
-
Employer
51 761
-
14 479
-
unemployment
2 097
-
587
-
social contributions
155
-
44
-
pensions
8 505
-
2 378
-
other
1 786
-
499
-
health
3 623
-
1 013
-
total
16 166
-
4 521
-
Corporate
-
19 000
-
-
income
-
5 320
-
-
surtax
-
-
-
-
total
-
5 320
-
-
Dividends
-
13 680
-
-
withholding
-
1 752
-
-
surtax
-
-
-
-
social contributions
-
2 354
-
-
total
-
4 106
-
-
Income
19 000
19 000
19 000
19 000
Total tax
28 011
9 426
6 570
7 599
After tax
-9 011
9 574
12 430
11 401
Living cost
39 916
39 916
39 916
39 916
Free-cash
-48 927
-30 342
-27 486
-28 515

Estimated living cost  is ₽39916 per week

₽27014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9088
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
-₽3222
-₽4039
-₽516
-₽6322
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
income
-
-
-
1 614
health
-
-
-
1 957
unemployment
-
-
-
285
pensions
-
-
-
4 940
total
-
-
-
8 796
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.

21 478
-
16 115
-
income
2 961
-
1 887
-
health
1 106
-
830
-
unemployment
161
-
121
-
pensions
3 007
-
2 256
-
total
7 235
-
5 094
-
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.

21 478
-
16 115
-
unemployment
161
-
121
-
pensions
2 577
-
1 934
-
health
1 106
-
830
-
total
3 844
-
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
11 079
5 273
7 979
8 796
After tax
7 921
13 727
11 021
10 204
Living cost
14 243
14 243
14 243
14 243
Free-cash
-6 322
-516
-3 222
-4 039

Estimated living cost  is ₽14243 per week

₽9590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3139
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
-₽43667
-₽41496
-₽49156
-₽55140
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
regional
-
-
-
135
national
-
-
-
-
health
-
-
-
189
city
-
-
-
199
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.

-
-
-
380
pensions
-
-
-
1 749
total
-
-
-
2 652
Employee
67 693
-
16 370
-
regional
2 217
-
82
-
city
726
-
168
-
health
153
-
37
-
unemployment
-
-
-
-
national
320
-
-
-
pensions
5 687
-
2 086
-
total
9 103
-
2 373
-
Employer
67 693
-
16 370
-
unemployment
-
-
-
-
pensions
5 687
-
2 086
-
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.

1 353
-
327
-
health
153
-
37
-
total
7 193
-
2 450
-
Corporate
-
19 000
-
-
regional
-
4 019
-
-
national
-
1 615
-
-
total
-
5 634
-
-
Dividends
-
13 366
-
-
withholding
-
4 678
-
-
total
-
4 678
-
-
Income
19 000
19 000
19 000
19 000
Total tax
16 296
10 312
4 823
2 652
After tax
2 704
8 688
14 177
16 348
Living cost
57 844
57 844
57 844
57 844
Free-cash
-55 140
-49 156
-43 667
-41 496

Estimated living cost  is ₽57844 per week

₽37615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14328
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
-₽19702
-₽16150
-₽18580
-₽32684
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
national
-
-
-
-
health
-
-
-
-
total
-
-
-
3 421
Employee
43 481
-
15 986
-
health
325
-
-
-
unemployment
652
-
240
-
national
718
-
-
-
municipal
7 122
-
2 639
-
pensions
2 934
-
1 079
-
total
11 751
-
3 958
-
Employer
43 481
-
15 986
-
unemployment
282
-
104
-
pensions
7 544
-
2 773
-
accident
44
-
16
-
health
334
-
122
-
total
8 204
-
3 015
-
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
-
-
national
-
-
-
-
municipal
-
2 051
-
-
total
-
2 051
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 955
5 851
6 973
3 421
After tax
-955
13 149
12 027
15 579
Living cost
31 729
31 729
31 729
31 729
Free-cash
-32 684
-18 580
-19 702
-16 150

Estimated living cost  is ₽31729 per week

₽20725
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3052
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7448
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
-₽21306
-₽20028
-₽19244
-₽57322
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
national
-
-
-
3 660
social contributions
-
-
-
4 357
communal

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

-
-
-
878
total
-
-
-
8 895
Employee

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

59 116
-
14 715
-
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.

2 777
-
692
-
communal

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

3 083
-
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.

514
-
129
-
national
18 174
-
3 198
-
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.

4 434
-
1 104
-
total
28 982
-
5 890
-
Employer

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

59 116
-
14 715
-
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.

863
-
215
-
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.

5 238
-
1 303
-
surtax
6 703
-
1 669
-
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.

768
-
191
-
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.

3 635
-
905
-
total
17 207
-
4 283
-
Corporate
-
19 000
-
-
income
-
3 800
-
-
surtax
-
75
-
-
total
-
3 875
-
-
Dividends
-
15 125
-
-
withholding

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

-
4 236
-
-
total
-
4 236
-
-
Income
19 000
19 000
19 000
19 000
Total tax
46 189
8 111
10 173
8 895
After tax
-27 189
10 889
8 827
10 105
Living cost
30 133
30 133
30 133
30 133
Free-cash
-57 322
-19 244
-21 306
-20 028

Estimated living cost  is ₽30133 per week

₽19410
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2635
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7617
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
-₽23837
-₽24512
-₽23609
-₽44637
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
-
-
-
4 024
national
-
-
-
-
health
-
-
-
1 186
accident
-
-
-
38
unemployment
-
-
-
19
pensions
-
-
-
2 054
other
-
-
-
2 208
total
-
-
-
9 529
Employee
48 422
-
14 458
-
national
-
-
-
-
municipal
14 440
-
4 311
-
total
14 440
-
4 311
-
Employer
48 422
-
14 458
-
unemployment
1 278
-
382
-
pensions
5 234
-
1 563
-
other
5 627
-
1 680
-
accident
97
-
29
-
health
2 978
-
889
-
total
15 214
-
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
29 654
8 626
8 854
9 529
After tax
-10 654
10 374
10 146
9 471
Living cost
33 983
33 983
33 983
33 983
Free-cash
-44 637
-23 609
-23 837
-24 512

Estimated living cost  is ₽33983 per week

₽22522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3335
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7610
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
-₽31753
-₽24600
-₽26171
-₽111381
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
54 100
-
7 539
-
income
11 933
-
1 519
-
social contributions
4 436
-
632
-
total
16 369
-
2 151
-
Employer
54 100
-
7 539
-
social contributions
76 281
-
10 871
-
total
76 281
-
10 871
-
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
92 650
7 440
13 022
5 869
After tax
-73 650
11 560
5 978
13 131
Living cost
37 731
37 731
37 731
37 731
Free-cash
-111 381
-26 171
-31 753
-24 600

Estimated living cost  is ₽37731 per week

₽24481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽9220
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
-₽19268
-₽13507
-₽26493
-₽21974
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
-
-
-
31 417
income
-
-
-
-
social contributions
-
-
-
4 901
health
-
-
-
801
total
-
-
-
5 702
Employee
63 549
63 549
63 549
-
income
6 673
5 883
7 145
-
social contributions
3 088
5 274
1 778
-
health
632
1 081
364
-
total
10 393
12 238
9 287
-
Employer
63 549
63 549
63 549
-
social contributions
3 088
5 274
1 778
-
health
688
1 176
397
-
total
3 776
6 450
2 175
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 169
18 688
11 462
5 702
After tax
4 831
312
7 538
13 298
Living cost
26 805
26 805
26 805
26 805
Free-cash
-21 974
-26 493
-19 268
-13 507

Estimated living cost  is ₽26805 per week

₽18324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5938
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
-₽16278
-₽15257
-₽15939
-₽27391
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
-
-
-
3 728
pensions
-
-
-
354
total
-
-
-
4 082
Employee
41 420
-
17 746
-
income
7 543
-
3 474
-
health
540
-
55
-
pensions
3 161
-
320
-
total
11 244
-
3 849
-
Employer
41 420
-
17 746
-
pensions
4 185
-
918
-
health
787
-
336
-
total
4 972
-
1 254
-
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.

-
3 610
-
-
total
-
3 610
-
-
Dividends
-
15 390
-
-
withholding
-
1 154
-
-
total
-
1 154
-
-
Income
19 000
19 000
19 000
19 000
Total tax
16 216
4 764
5 103
4 082
After tax
2 784
14 236
13 897
14 918
Living cost
30 175
30 175
30 175
30 175
Free-cash
-27 391
-15 939
-16 278
-15 257

Estimated living cost  is ₽30175 per week

₽20700
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2775
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.
₽6321
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
-₽25038
-₽23556
-₽22916
-₽50641
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
-
-
-
113
regional
-
-
-
218
national
-
-
-
2 897
social contributions
-
-
-
6 405
total
-
-
-
9 633
Employee
69 641
-
19 000
-
regional
1 051
-
183
-
social contributions
23 482
-
8 397
-
national
11 769
-
2 439
-
municipal
416
-
96
-
total
36 718
-
11 115
-
Employer
69 641
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
nationa
-
4 561
-
-
municipal
-
916
-
-
total
-
5 477
-
-
Dividends
-
13 523
-
-
withholding
-
3 516
-
-
total
-
3 516
-
-
Income
19 000
19 000
19 000
19 000
Total tax
36 718
8 993
11 115
9 633
After tax
-17 718
10 007
7 885
9 367
Living cost
32 923
32 923
32 923
32 923
Free-cash
-50 641
-22 916
-25 038
-23 556

Estimated living cost  is ₽32923 per week

₽23126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7034
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
-₽7244
-₽6149
-₽15739
-₽13719
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
-
-
-
2 401
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 268
other
-
-
-
291
total
-
-
-
7 871
Employee
27 179
-
15 783
-
income
3 729
-
2 165
-
health
3 112
-
1 807
-
pensions
3 060
-
1 777
-
total
9 901
-
5 749
-
Employer
27 179
-
15 783
-
unemployment
666
-
387
-
pensions
4 420
-
2 566
-
accident
454
-
264
-
total
5 540
-
3 217
-
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
15 441
17 461
8 966
7 871
After tax
3 559
1 539
10 034
11 129
Living cost
17 278
17 278
17 278
17 278
Free-cash
-13 719
-15 739
-7 244
-6 149

Estimated living cost  is ₽17278 per week

₽12663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
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.
₽3297
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
-₽18553
-₽18553
-₽21921
-₽22121
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
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.

-
-
-
5 646
trade
-
-
-
-
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
-
-
-
5 646
Employee

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

41 120
-
19 000
-
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.

3 381
-
-
-
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.

5 646
-
5 646
-
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.

187
-
-
-
total
9 214
-
5 646
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
chamber of commerce
-
154
-
-
income
-
2 850
-
-
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
-
-
trade
-
2 726
-
-
total
-
5 887
-
-
Dividends
-
13 114
-
-
withholding
-
2 964
-
-
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
-
-
total
-
3 127
-
-
Income
19 000
19 000
19 000
19 000
Total tax
9 214
9 014
5 646
5 646
After tax
9 786
9 986
13 354
13 354
Living cost
31 907
31 907
31 907
31 907
Free-cash
-22 121
-21 921
-18 553
-18 553

Estimated living cost  is ₽31907 per week

₽22010
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽6000
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
-₽6292
-₽3645
-₽1993
-₽10966
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
microenterprise
-
-
-
2 850
income
-
-
-
-
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.

-
-
-
2 602
surtax
-
-
-
-
total
-
-
-
5 452
Employee
24 149
-
15 311
-
income
4 299
-
2 726
-
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.

2 657
-
1 684
-
surtax
-
-
-
-
total
6 956
-
4 410
-
Employer
24 149
-
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.

5 817
-
3 689
-
surtax
-
-
-
-
total
5 817
-
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
12 773
3 800
8 099
5 452
After tax
6 227
15 200
10 901
13 548
Living cost
17 193
17 193
17 193
17 193
Free-cash
-10 966
-1 993
-6 292
-3 645

Estimated living cost  is ₽17193 per week

₽10969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1637
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.
₽4197
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
-₽463
-₽1004
₽1181
-₽918
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
-
-
-
2 774
health
-
-
-
2 755
pensions
-
-
-
3 800
total
-
-
-
9 329
Employee
16 260
-
15 510
-
income
3 145
-
2 973
-
health
813
-
775
-
unemployment
163
-
155
-
pensions
1 463
-
1 396
-
total
5 584
-
5 299
-
Employer
16 260
-
15 510
-
unemployment
325
-
310
-
pensions
1 789
-
1 706
-
health
1 545
-
1 473
-
total
3 659
-
3 489
-
Corporate
-
19 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
14 820
-
-
withholding
-
2 964
-
-
total
-
2 964
-
-
Income
19 000
19 000
19 000
19 000
Total tax
9 243
7 144
8 788
9 329
After tax
9 757
11 856
10 212
9 671
Living cost
10 675
10 675
10 675
10 675
Free-cash
-918
1 181
-463
-1 004

Estimated living cost  is ₽10675 per week

₽6344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3221
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
-₽8039
-₽7632
-₽6612
-₽14692
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
-
-
-
2 732
health
-
-
-
1 349
unemployment
-
-
-
188
surtax
-
-
-
-
pensions
-
-
-
3 800
other
-
-
-
-
total
-
-
-
8 069
Employee
27 832
-
15 697
-
other
-
-
-
-
income
4 666
-
2 632
-
health
710
-
400
-
unemployment
1 937
-
1 093
-
surtax
99
-
-
-
pensions
1 857
-
1 048
-
total
9 269
-
5 173
-
Employer
27 832
-
15 697
-
unemployment
883
-
497
-
pensions
3 711
-
2 092
-
other
-
-
-
-
health
1 266
-
714
-
total
5 860
-
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
15 129
7 049
8 476
8 069
After tax
3 871
11 951
10 524
10 931
Living cost
18 563
18 563
18 563
18 563
Free-cash
-14 692
-6 612
-8 039
-7 632

Estimated living cost  is ₽18563 per week

₽11207
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5312
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
-₽21334
-₽17479
-₽26022
-₽28307
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
-
-
-
-
chamber of commerce
-
-
-
75
health